Tranona
Well-Known Member
Not sure why you are reluctant to involve your insurer - insurance is for just this situation. You have nothing to lose by notifying them. They will ask you to get quotes to repair the damage. You can either do this by engaging a surveyor to assess the damage and then get quotes or go straight to a boatyard and get a quote. It could be that it is less than your excess, in which case you don't actually claim. If the damage was caused by a failed mooring then your insurer will try to claim from the person responsible for the mooring. This does not affect your claim on your insurer as you have a contract with the insurer that says they will pay for any damages covered by the policy. It may well be that they will increase your premium next year, in which case ask them before you make the claim. It may be that their payout after your excess is small and not worth having if it is less than the increase in premium.
One thing is certain you can't make the decision until you know what the repair will cost and you are not in a position to judge that without professional advice.
One thing is certain you can't make the decision until you know what the repair will cost and you are not in a position to judge that without professional advice.


