alant
Well-Known Member
Re: Skipper Insurance for - Would I be covered?
"Deliveries I've done I have always checked with the owners insurance to find out
1. If the yacht is fully insured, which includes PLI, incase you drop a spanner when working up the mast etc...to cover accidents and members of the public or crew.
2. If the insurance company will insure me as skipper under the same terms as the owner for the planned passage and any possible alternatives that might come up as a result of a diversion caused by weather or gear failure. This is usually a formality of them telling me what qualifications endorsments are needed."
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I have followed a similar route.
However, if there are any legal or insurance 'experts', could they advise if the following, taken from a Delivery Skippers Liability Insurance Proposal Form, indicates whether there is or isn't cover -
“This policy provides coverage for you as an individual in your occupation as a Yacht Delivery Skipper in the event that the Hull and Liability insurance policy maintained by the owner in respect of the contracted Vessel(s) does not respond to any liability claim for which you may be responsible.
It is a pre-requisite to cover being provided hereunder that you ensure that any vessel you are operating has both Hull and Liability insurance coverage extended to include its Delivery by you. This policy is invalidated if there is no such coverage in place.”
If, the owner’s policy refuses to pay out, then to be pedantic, “there is no such coverage in place”.
Therefore it follows from the above, that “This policy is invalidated if there is no such policy in place”.
(1) you must be fully covered by the owners insurance for the Skippers Liability to kick in
(2) If you ARE covered, why would you want a second policy?
(3) Would this policy actually provide ANY cover if the owners insurance was withdrawn - technically leaving any skipper not covered, which allows the liability insurance exclusion to also refuse cover.
What do the experts think?
Or is this view, that of a paranoid? /forums/images/graemlins/blush.gif
"Deliveries I've done I have always checked with the owners insurance to find out
1. If the yacht is fully insured, which includes PLI, incase you drop a spanner when working up the mast etc...to cover accidents and members of the public or crew.
2. If the insurance company will insure me as skipper under the same terms as the owner for the planned passage and any possible alternatives that might come up as a result of a diversion caused by weather or gear failure. This is usually a formality of them telling me what qualifications endorsments are needed."
___________________________________________________
I have followed a similar route.
However, if there are any legal or insurance 'experts', could they advise if the following, taken from a Delivery Skippers Liability Insurance Proposal Form, indicates whether there is or isn't cover -
“This policy provides coverage for you as an individual in your occupation as a Yacht Delivery Skipper in the event that the Hull and Liability insurance policy maintained by the owner in respect of the contracted Vessel(s) does not respond to any liability claim for which you may be responsible.
It is a pre-requisite to cover being provided hereunder that you ensure that any vessel you are operating has both Hull and Liability insurance coverage extended to include its Delivery by you. This policy is invalidated if there is no such coverage in place.”
If, the owner’s policy refuses to pay out, then to be pedantic, “there is no such coverage in place”.
Therefore it follows from the above, that “This policy is invalidated if there is no such policy in place”.
(1) you must be fully covered by the owners insurance for the Skippers Liability to kick in
(2) If you ARE covered, why would you want a second policy?
(3) Would this policy actually provide ANY cover if the owners insurance was withdrawn - technically leaving any skipper not covered, which allows the liability insurance exclusion to also refuse cover.
What do the experts think?
Or is this view, that of a paranoid? /forums/images/graemlins/blush.gif