Koeketiene
Well-known member
PM sent
Ohh dear.. Registration thread again.
- Thread starter ironmaiden
- Start date
PM sent
Gibeltarik
Active member
Absolutely - but when the shit hits the fan after an accident involving personal injury or significant damage to a marina / port don’t expect your insurer to cough up without checking every piece of paper.
If you have been economical with the truth you may find yourself uninsured - but you probably don’t care - hope I’m not next to you when your leaking gas system goes bang!
Tranona is absolutely correct- Even SSR needs identity and residence check now - and proof that the boat exists……
Name of boat please - I don’t want to moor up next to you - especially in a marina.
My ship Neeltje - Hagenaar.
If you have been economical with the truth you may find yourself uninsured - but you probably don’t care - hope I’m not next to you when your leaking gas system goes bang!
Tranona is absolutely correct- Even SSR needs identity and residence check now - and proof that the boat exists……
Name of boat please - I don’t want to moor up next to you - especially in a marina.
My ship Neeltje - Hagenaar.
Tranona
Well-known member
That is because all those states (except the UK) are in the EU. Why would anyone question a Belgian flagged boat? On the other hand a wicked non EU UK flagged boat may well draw ,attention. Ask anybody who keeps a perfectly legal EU VAT paid boat with a British flag in Greece or Croatia.
Tranona
Well-known member
There hundreds, maybe thousands of boats in the EU that are insured with UK insurers and never experience any problems with claims.
Gibeltarik
Active member
I didn’t limit my comment to UK insurers……
Tranona
Well-known member
If you are referring to what is described in post#16 then not sure why you should be worried about mooring next to his boat.
Gibeltarik
Active member
I think it is highly unlikely that K has been wholly open with his UK insurers on his residence qualifications.
But I maybe wrong…………but he has resorted to secretive PM action
billskip
Well-known member
Is you insurance legal and aware of your circumstances as you say? If so, as I said there's no reason for anyone to question you.
If not then you are technically not insured.
The fact that you have made claims and they have been approved does not mean they are aware of false statements/change of circumstances that may render your policy null and void.
Also if you're aware, and don't advise the insurance company, but have made claims and accepted payment, it could be considered fraudulent.
As Tranona said, there are many in the EU..
There are also many that give friends/relatives address and claim all sorts of things.
Tranona
Well-known member
That may be the case, but you are only guessing.
Gibeltarik
Active member
Agreed - but his ‘advice’ could lead others astray.
Koeketiene
Well-known member
Is there any breathable air up there - way high up your moral ground?
Meanwhile, back in the real world, some of us just want to get on and cope with the daily struggles of life as best we can.
Koeketiene
Well-known member
Maybe I just don't feel the need to justify my life/actions to keyboard warriors.
Gibeltarik
Active member
How pompous can you get!
Many others - less experienced - can be led astray by advice like this.
You can ignore the rules - but don’t lead others astray……..
Many others - less experienced - can be led astray by advice like this.
You can ignore the rules - but don’t lead others astray……..
Koeketiene
Well-known member
1. I'm not advising people to do anything. I'm merely pointing out that outside the black/white of the letter of the law, there's a whole world of grey.
2. As has been pointed out in post #28, there are loads of people taking exploiting all sorts of loopholes, yet you consider yourself morally superior to all of them. Whatever happened to 'live and let live'?
3. There's one thing we do agree on: I wouldn't want you berthed next to my boat either. What a thoroughly disagreeable person you must be.
I will make no further comments.
Baggywrinkle
Well-known member
We are all free to decide for ourselves what our personal attitude to risk is, and what constitutes an acceptable level .... it's got nothing to do with morals unless you start affecting the lives of others.
Posting what you have chosen to do and the level of risk you have chosen to take is a simple statement of fact, and berating others for "leading newbies astray" is not really necessary IMO. There are arguments on both sides in this thread and it is up to the reader to decide the pros and cons, the risks, or difficulties involved, and then make their own mind up.
For me personally, insurance is an area where I have a "by the book" attitude, and the reason is that the effort put in by the insurance companies to avoid a pay-out is directly proportional to the level of the claim. Once a loss adjuster gets involved, then many people find out that the large claims are denied because they have broken a rule buried in the small print somewhere - most likely a change in circumstances that was not declared, something left undeclared at application, or a question answered incorrectly.
If your yacht has just burnt down a marina, or created a multi-million euro claim then you better be squeaky clean or you're bankrupt - at best you have a long battle with the insurance company ahead of you. That matters to me. I'd rather ensure I am squeaky clean and not at risk of being uninsured, particularly against 3rd party liability. IMO, giving an insurance company even a hint at a get-out possibility is false economy when the sums involved run to millions.
Posting what you have chosen to do and the level of risk you have chosen to take is a simple statement of fact, and berating others for "leading newbies astray" is not really necessary IMO. There are arguments on both sides in this thread and it is up to the reader to decide the pros and cons, the risks, or difficulties involved, and then make their own mind up.
For me personally, insurance is an area where I have a "by the book" attitude, and the reason is that the effort put in by the insurance companies to avoid a pay-out is directly proportional to the level of the claim. Once a loss adjuster gets involved, then many people find out that the large claims are denied because they have broken a rule buried in the small print somewhere - most likely a change in circumstances that was not declared, something left undeclared at application, or a question answered incorrectly.
If your yacht has just burnt down a marina, or created a multi-million euro claim then you better be squeaky clean or you're bankrupt - at best you have a long battle with the insurance company ahead of you. That matters to me. I'd rather ensure I am squeaky clean and not at risk of being uninsured, particularly against 3rd party liability. IMO, giving an insurance company even a hint at a get-out possibility is false economy when the sums involved run to millions.
billskip
Well-known member
Yes......its called criminal.
You say live and let live...well you consider that when something causes you grief.
Someone has to pay the los of money by fraud...
There are people that are dedicated to finding fraudulent claims on social media...and are successful.
WindyWindyWindy
Active member
I've got a UK boat in Spain and I'm an EU resident, many insurance brokers set up an EU operation so they could continue working, but the underwriters are typically Swiss or EU (or global) anyway. It's really not an issue. You should of course be accurate about the information you supply.
If they don't like it then they'll say so.
I guess some must have closed down or lost business because of brexit, but there are others.