Leaving Shore Power Connected.

[Portofino]

Still there
Can see mine 24/7/365

 

[TwoHooter]

I disagree. It's somewhat irrelevant who the insurer or broker is, what's important is the cover provided by the policy as specified in the Policy Document. It's that that you'll be waving in front of the Insurance Ombudsman and ultimately the courts.

Yes policy wording is important, and I agree we should all read our policies carefully, but in my experience it is NOT irrelevant who the insurer/broker and underwriters are. I think it matters a great deal and in particular I think it matters that you are dealing with a good claims handler, not just a go-between.

I recently had a nasty disagreement about a claim on our boat because the underwriters were insisting that a badly twisted piece of stainless steel should be bashed back into shape with a hammer instead of being replaced with new, and the claims handler was just a go-between and didn't fight my corner against them. Would this have ever gone to court? No, the figures would not have stacked up. Would I have gone to the ombudsman and would their interpretation of the policy wording have been what I wanted? Don't know because in the end I presented evidence that the steel could not be re-used and the underwriter backed down, but I strongly suspect this was not because of my evidence or the policy wording but because it was a small claim and the person on the underwriting desk wanted to close the file.

Bringing all this back to the subject of this thread I strongly suspect that because of who our "insurer" currently is, and because of my recent experience with their claims handler and the underwriter, a claim resulting from a fire while shore power is connected might end up in court, which would (I fear) be a nasty problem for a retired couple like us.