Missing single-handed MOB Brighton

itchenseadog said:
According to the insurance surveyor, it is definitely not a write off and it will be repaired
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Which begs the question if the owner is not around who's making the claim on the insurance co? Can an insurance co act to salvage or repair a boat without the policyholder making a claim on the basis that if they don't, their loss may be greater when a claim is eventually made?
 
Deleted User said:
Which begs the question if the owner is not around who's making the claim on the insurance co? Can an insurance co act to salvage or repair a boat without the policyholder making a claim on the basis that if they don't, their loss may be greater when a claim is eventually made?
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In general no they can't. But the basis you mention doesn't figure in proceedings because of the policy term requiring policyholder to act as if he were uninsured. In this case the insurers may be acting because the missing guy's wife has made the claim or given the permission.
 
oldgit said:
To sum up.
A human being has probably lost his life in the cold winter waters off our south coast.His wife and family have no idea what has happened and are probably still trying to come to terms with a sudden loss and disapperance.
This forum is discussing about divvying up the spoils.........
Please save this **** for Facebook and Twitter where it belongs.
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One things's for certain. Whether he's done a Reggie Perrin or is dead, he's not going to need that boat again. Far better that its salvaged and sold off than left rotting in some boat yard. also, I can't image that his family have any emotional attachment to the boat now if that's what has killed him.
 
jfm said:
In general no they can't. But the basis you mention doesn't figure in proceedings because of the policy term requiring policyholder to act as if he were uninsured. In this case the insurers may be acting because the missing guy's wife has made the claim or given the permission.
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JFM, I suppose the boat is technically 'salvaged' at present (is there such a condition)?
 
The wife or mortgagee may be a joint policy holder and can start any repair claim. In any case the insurers were under obligation to salvage the boat and take it to a place of safety. Gosport was the favoured choice as insurers were not confident that suitably skilled repair facilities were available at Brighton although the hoist was capable of lifting the vessel. As I understand it there is very little internal damage (carpets and floors ripped up etc. to access bilges), the main damage being the hull and stern gear which is all very repairable. I will try to get more information when next I see the Insurance surveyor.
 
oGaryo said:
fwiw, glad it's not just me that has an uneasiness regarding the way this thread is going
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If it was me who'd fallen off the boat, I doubt my family would give two hoots about the boat being discussed. And frankly a disappearance in such mysterious circumstances is bound to lead to speculation, that's human nature whether we like it or not.
 
petem said:
If it was me who'd fallen off the boat, I doubt my family would give two hoots about the boat being discussed. And frankly a disappearance in such mysterious circumstances is bound to lead to speculation, that's human nature whether we like it or not.
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granted Pete but for me, I'd just not go there in any shape or form... not saying others who have already posted to the contrary ought to consider stopping, I'm just acknowledging it makes me uneasy.. some human nature is a tad more sensitive than others I guess
 
rubberduck said:
Lets give the poor bloke the benefit of doubt until proven otherwise. If nothing else, it should make all those who go out single handed think a little.
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Think that's far more salient...I mean it is a bit rough in terms of sensitivity, imho.
Would be more interested if the thread had moved on to the pros and cons of auto helm and the single handed mariner...that's not been discussed as far as I am aware and surely it's as pertinent as the kill cord issue...

But now it's me speculating.
 
oGaryo said:
granted Pete but for me, I'd just not go there in any shape or form... not saying others who have already posted to the contrary ought to consider stopping, I'm just acknowledging it makes me uneasy.. some human nature is a tad more sensitive than others I guess
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I'm surprised no-one made an offer on your boat during your scare a few months back Gary ;)
 
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