Professional Skipper's liability insurance...recommendations?

[jfm]

I can see how a delivery skipper can get insurance to cover any damages or loss to boats he is delivering while in his care.
Most insurance policies I have ever seen have an exception for negligence.
They will pay for the loss but make seem to recover from the skipper if he is negligent.

Even your car insurance will probably not cover negligence.

Stupidity covered. negligence not so much.
So who actually provides cover for negligence. Anyone.

That's just not correct. Most of us are insured (cars and boats) for negligence. Recklessness no; negligence yes.

 

[jfm]

What, is the difference between "stupidity" & "negligence"?
In the case of a car, if I have a momentory loss of judgement & hit another car, or wall etc, am I covered or not?

Yes you're covered for that. Stupidity, strictly speaking, is not a fortuity so is not covered per se. Negligence is covered. Recklessness generally isn't.

 

[[3889]]

That's just not correct. Most of us are insured (cars and boats) for negligence. Recklessness no; negligence yes.

I'd be interested in your opinion on the last paragraph of post #36.

 

[jfm]

If, as a delivery skipper, I am named on the boat owner's policy, I can't see how I am not covered by that policy, in the same way that my partner is covered by my car policy.

You are seriously misunderstanding the contractual and tortious relationships when you write that.

 

[jfm]

Probably covered. Just a mistake.

Stupidity. Doing something wrong without knowing or understanding its wrong.

Negligence. Knowing doing something wrong and doing it anyway.

Or not doing something you should because you don’t know you should is stupid.

Not doing something you know you should be doing and choosing to not do it is negligent.

Driving with faulty brakes not knowing there are faulty? stupidity
Diving with faulty brakes knowing they are faulty? negligence.

Same risk of accident one guy unaware of risk the other guys aware of risk chose to drive anyway.

Do you think your car insurance would cover you for knowing you were doing something wrong or not bothering to do something you should reasonably have known you should do.

Or your boat insurance?

-1 to all that

 

[jfm]

I probably did not say it very well. I should have said I have never seen any which cover negligence and I have seen some which specifically say they don’t.
Just because your policy doesn’t say we don’t cover negligence doesn’t mean they will cover damage due to negligence.
It does say they accidental damage.

Accidentally doesn’t always include negligent.

Accidentally and negligent are different. You're seemingly redefining things whose meanings are very settled. In this context negligence refers to the tortious duty that has existed (where the circumstances dictate) in English common law for hundreds of years. And ditto in many other common law countries. That's all negligence refers to, in this context.

 

[jfm]

I'd be interested in your opinion on the last paragraph of post #36.

Willdo but plane taking off now/flight mode

 

[[3889]]

You are seriously misunderstanding the contractual and tortious relationships when you write that.

TBH, I was hoping for an explanation of why I'd not be covered rather than a comment on my short comings. No matter.

 

[sanganishan]

I submitted a proposal to Pantaenius in Austria but have heard nothing other than a automated email. Their UK office don't deal with the policy.
Can anyone recommend alternatives with an indication of premium, which seem to be fixed rather than individually tailored.

which company you have chosen? i am also in same boat and looking for a policy recommendation

 

[[3889]]

which company you have chosen? i am also in same boat and looking for a policy recommendation

I didn't bother in the end. The risks covered were so narrowly defined I didn't think it worthwhile.

 

[sanganishan]

I didn't bother in the end. The risks covered were so narrowly defined I didn't think it worthwhile.

I was also thinking same, thanks for reply