Prop Wrap and insurance

[Gary Fox]

I was with MS Amlin and they paid up, no quibbles, for a random gear breakage, resulting in an expensive accident
Just tell them all the expenses the mishap caused you, they may pay for things you had't thought of asking for!

 

[WoodyP]

If one's insurance doesn't pay out for such an incident, I'm wondering what it would actually pay out for?

Richard

And if it does or doesn't it would be a public service to let us know.

 

[Portofino]

Of interest maybe with MS Amlin a few years back I took it up myself to enquire what cover is actually covered when leaving the boat unattended @ anchor .The policy was silent so naturally I thought it would drop into the all risks category.
The reason at the time for my further clarification was that Med based ( CdA ) as the family grew we started to move around more , Corsica, Elba , Liguria, Levente coast in school hols , decent conditions and the “ inn was full “ so would ( boat had geny and ACon ) anchor off more and more and go ashore at night .Mostly doing what ave families do ashore on hols .

What came back was something along the lines of “ good seaman ship “ ie they would refute a claim if the boat was out of line of sight and / or i was unable to return within 30 mins .
There was nothing and still is not anything written in the Amlin policy.I challenged this and the answer ( from MS Amlin NOT the broker ) that came back was something along the lines of “ we cannot write up every eventuality in the policy wording “ and we would consider leaving it unattended out of line sight or you got yourself into a position whereby that you were too far away to return within 1/2 hr negligent and poor seaman ship like so would refute such a claim .

The point is just because it’s not in exclusions nor written up as covered does not mean it’s not covered or excluded .

They might play the basic seaman ship card .Bit like excerise of seacocks , does not say anything in the policy , but a claim because of a stiff seacock unable to shut off would imho trigger a “ lack of basic seamanship maintenance “ refute ...blah , blah .

You could ask like I did .
In this case “ am I covered from “prop wrap “ damage irrespective of who’s rope and it that cover applicable to the [ list the likely knackered stuff ] .

They may come back ( the Op s hesitation ?) .....yes if it’s a flotsam , but no if it’s crew dropping ropes in a Marina or you hit a pot .
Rational - “ good seamanship “ means you brief / train your crew appropriately and do not go out to sea with numties , and similar keep eyes ahead and choose sensible navigation speed and day light to avoid pots etc etc .

You say “ I thought all risks “ meant all risks and theres nothing in exclusions .
They say “ exclusions “ is not an exhaustive list it’s just typical common exclusions and they reserve the right to refute .
All risks is no cover all for recklessness and lack of basic seamanship, like crew dropping ropes etc .In such claims the Co reserves the right to refute .

I have since moved to a Co that insures/ covers leaving the boat unattended @ anchor in marked on charts anchorages written in the policy .Written follow up this include out of line of sight and for reasonable time periods in sheltered bays .
So we can go ashore , head into back streets for a meal,or hire a car , even spend a night in a hotel etc etc and be covered .