Y Insurance Query

[petem]

Any insurer should ask you that. Having said that, I've never used a skipper who has had his own 3rd party liability insurance although they should have some kind of skippers qualification depending on the country in which they are operating. In the past, my insurance company has asked me for copies of the skipper's qualifications and passport

Y should be happy with that and extend your 3rd party liability to the skipper for a limited time period. To be honest I think youre making too much of this. Get Y's agreement over the phone, send them any documents they require and they should send you an amended policy document (which the skipper might say he wants to have anyway to cover his own backside)

Of course, I'm already doing this but they are having to refer it to their underwriters. But often these discussions are useful and if anything I hope that it has highlighted the fact that:

a) people should not assume Y's cover will automatically include 3rd party liability if a skipper (no matter how well qualified) is at the helm
b) that Y's "Product Information Document" doesn't give any clue that a) applies.

For the record, I'm still very happy to use and recommend Y.

 

[Deleted User YDKXO]

Of course, I'm already doing this but they are having to refer it to their underwriters. But often these discussions are useful and if anything I hope that it has highlighted the fact that:

Of course they do. Y won't hold 100% of their risk any more than any other insurance co. In fact I'd be surprised if Y held any of the risk they insure without underwriting it

 

[petem]

All sorted, Y have added the skipper to the policy at no cost.

Hopefully, we can all sleep a little more soundly in our beds tonight !

 

[rubberduck]

But do you know for certain if the pro skippers had their own 3rd party liability insurance? Alternatively, have Y extended cover accordingly?

Y extended cover, no cost.

 

[Deleted User YDKXO]

Hopefully, we can all sleep a little more soundly in our beds tonight !

Thank heaven. The SWMBO and I have opened a bottle of champers to celebrate your success!

 

[Richard.C]

Seems like you could have resolved this just talking to Y direct, unless you think the social media pressure caused by this thread has made any difference.

 

[petem]

Seems like you could have resolved this just talking to Y direct, unless you think the social media pressure caused by this thread has made any difference.

Well if I've made just one other person aware of this issue (that I stumbled upon) then the thread has been worthwhile. Sorry if you found it boring.

 

[longjohnsilver]

Thank heaven. The SWMBO and I have opened a bottle of champers to celebrate your success!

I hope you didn’t pop your cork over your E120

 

[Deleted User YDKXO]

I hope you didn’t pop your cork over your E120

No and not my cherry either

 

[Lloydroberts]

Seems like you could have resolved this just talking to Y direct, unless you think the social media pressure caused by this thread has made any difference.

The whole point of the thread(& site)is to share findings etc, no?

 

[Deleted User YDKXO]

The whole point of the thread(& site)is to share findings etc, no?

Agreed and its a very valid point. Basically if you allow somebody else to skipper your boat without you being onboard and an accident happens, your insurance co may try to deny the claim so its very wise to inform them and get the policy amended accordingly

 

[jrudge]

To be honest I am surprised. In the past I am sure other policies ( maybe even Y) cover the owner and a qualified skipper but clearly not.

In the summer Boats.co.uk were going to take girlfriend and friends out to a Bouy and collect at the end of the day. So people moving you boat, including round the Mariana, is a common occurrence.

 

[petem]

To be honest I am surprised. In the past I am sure other policies ( maybe even Y) cover the owner and a qualified skipper but clearly not.

In the summer Boats.co.uk were going to take girlfriend and friends out to a Bouy and collect at the end of the day. So people moving you boat, including round the Mariana, is a common occurrence.

J, the devil is in the detail.

If you let a qualified skipper take your girlfriend and mates out for a jolly then your 'Y' policy only covers you for damage to your own boat (no 3rd party liability).

If the boat is only being moved around the marina then your Y policy covers the damage to your own boat and any damage to other boats.

 

[Portofino]

Seems odd that the forum finds this thread by Pete useful ( inc me too btw ) in exploring the boundaries of the Amlin based policy yet a while ago I had the same / similar conundrum re leaving the boat unattended @ anchor , and was ridiculed by the ( vocal ) majority for getting a written statement from the underwriter.

- in line of sight
- within 30 mins return .

The nay say doers where or wanted to hide behind “ all risks “ and the silence in the exclusions on this point - unattended @ anchor .Any how well done Pete for the clarity .

 

[Deleted User YDKXO]

To be honest I am surprised. In the past I am sure other policies ( maybe even Y) cover the owner and a qualified skipper but clearly not.

In the summer Boats.co.uk were going to take girlfriend and friends out to a Bouy and collect at the end of the day. So people moving you boat, including round the Mariana, is a common occurrence.

IMHO its a grey area and with the insurance covering such a large value item as a boat not to mention 3rd party liabilities, you can't be too careful. I am kicking myself at the moment. I allowed a pro skipper to take my son and some friends out recently and I forgot to inform Y. Thank heaven he only buggered up the plotter and nothing else. This is a skipper I've used before so maybe the right thing to do is have him named on the policy for the whole year?

 

[petem]

Seems odd that the forum finds this thread by Pete useful ( inc me too btw ) in exploring the boundaries of the Amlin based policy yet a while ago I had the same / similar conundrum re leaving the boat unattended @ anchor , and was ridiculed by the ( vocal ) majority for getting a written statement from the underwriter.

- in line of sight
- within 30 mins return .

The nay say doers where or wanted to hide behind “ all risks “ and the silence in the exclusions on this point - unattended @ anchor .Any how well done Pete for the clarity .

The difference is that I was alerted to the issue by Y and upon inspection realised that the Policy could be read in such a way that 3rd party cover for a skipper could be excluded. As a result, they have added the skipper to the policy and he is now covered. In other words, my cover has been increased.

You contacted Amlin, unprompted, because you had preconceived belief in what the policy excluded (anchoring out of site) despite the policy making no mention of this. As a result, Amlin confirmed your belief, and you have effectively reduced your cover.

 

[petem]

IMHO its a grey area and with the insurance covering such a large value item as a boat not to mention 3rd party liabilities, you can't be too careful. I am kicking myself at the moment. I allowed a pro skipper to take my son and some friends out recently and I forgot to inform Y. Thank heaven he only buggered up the plotter and nothing else. This is a skipper I've used before so maybe the right thing to do is have him named on the policy for the whole year?

Mike, I wouldn't kick yourself too hard. Even if you put him on the policy the liability is limited to £3m so if he managed to hit and sink a Superyacht you'd be knackered anyway .

If you want to avoid risk then sell the boat and buy some knitting needles!

 

[rubberduck]

My movements had no media pressure, just rang them & they emailed back so long as he knows what he id doing all fine cover extended.

 

[petem]

My movements had no media pressure, just rang them & they emailed back so long as he knows what he id doing all fine cover extended.

RD, I'm not sure what the relevance is of "media pressure" in your post. That was never the intention of this thread, which was:

1) To get confirmation of Y's interpretation of their policy.
2) To warn other boat owners of the clause and its practical meaning.

 

[rubberduck]

Seems like you could have resolved this just talking to Y direct, unless you think the social media pressure caused by this thread has made any difference.

Came from here.