Y/ /Topsail insurance hopeless at dealing with small claim

dj43

Well-Known Member
Joined
20 May 2009
Messages
734
Location
cambridge/Isle of Wight
Visit site
Apologies for length of post

Our boat was lifted by Kingston marine services for annual maintenance 3-6-2019, we have used this yard for a number of years, the last couple of times pry to this lift, the operator on the power washer had caused damage to the side decals vinyl stripping , to the extent that it had ended up looking well patched, we had all the stripping removed ,purchased new from the original supplier and had them installed by a local firm, all at our expense, before the lift out in 3-6-2019 ,we wrote to Kingston boat yard instructing them not to power wash the sides of our boat,which they duly noted on there job sheet,
The day of lift out ,we reminded the Forman not to clean sides of boat, who informed the operator, half way through the job kingstons employer informed us that he had forgot to not go up the sides and had blasted off a large section of stripping, as we were standing watching with the Forman , there was no question what had been done,
When they went to re lift the boat after it had been ashore, the lift operator informed me and the Forman he was unable to lift as the blocks the boat was sitting on were in the way of placing the slings in the marked lifting position ( Kingston had renewed the lifting point stickers previously) they then informed me that having checked where they had previously placed the slings, it had crushed the side vents causing them to crack, they managed to lift the boat back into the water after having to lift and reposition blocks,
We reported the incident to kingstons manager, who replied that he would have to speak to his Forman to confirm our complaint
We wrote to Kingston B/y and requested there insurance details,but they were unwilling to supply them,they did offer to give me a free lift , but as they refused to pay for the repairs we declined there offer and on the 10-10-2019 notified Y insurance , and we preceded to make a formal claim supplying copy estimates of costs to repair,
Y insurance appointed a surveyor to check the damage and supply comparison estimates, for what ever reason he informed Y he was unable to obtain alternative quotes, after considerable time and chasing Y / Topsail who had been taken over, but we were still dealing with the same person, we were informed that the surveyor had spoken to the yard and they had denied causing the damage, turns out the surveyor had been speaking to the wrong yard, when he eventually got around to speaking to the correct yard Kingston they denied the amount of damage that we are claiming for , Even when they were presented with photographs
Topsail have just informed me that due to the small amount of damage , a claim could not be submitted, but the surveyor had agreed with Kingston boat yard that they would pay a maximum of £200.00 on completion of work on receipt of an invoice, our estimate of damages is over two thousand pound including boat lift ,
We feel that we have been badly represented, by Topsail and welcome comments on how to next preceed.
 
Last edited:
Well that sucks. I cant offer advice only commiseration and the inclination to return the favour by ramming a French fishing vessel. Have you supplied your costs to have the work done? Has the surveyor provided any evidence that the repair bill would be less than 200 ?
 
You mean Y / topsail who tell everyone how brilliant they are and how everyone on the ybw forum says they are the best around......

I have not renewed with them...

sorry To hear your troubles.
 
im glad to hear that other yards make cock ups , all I’m seeing these days are professional marina companies dropping boats , not fitting boat supports properly , some one is going to get killed at this rate .

By the sounds of it this yard are just incompetent, don’t listen and dont care .
 
Apologies for length of post

Our boat was lifted by Kingston marine services for annual maintenance 3-6-2019, we have used this yard for a number of years, the last couple of times pry to this lift, the operator on the power washer had caused damage to the side decals vinyl stripping , to the extent that it had ended up looking well patched, we had all the stripping removed ,purchased new from the original supplier and had them installed by a local firm, all at our expense, before the lift out in 3-6-2019 ,we wrote to Kingston boat yard instructing them not to power wash the sides of our boat,which they duly noted on there job sheet,
The day of lift out ,we reminded the Forman not to clean sides of boat, who informed the operator, half way through the job kingstons employer informed us that he had forgot to not go up the sides and had blasted off a large section of stripping, as we were standing watching with the Forman , there was no question what had been done,
When they went to re lift the boat after it had been ashore, the lift operator informed me and the Forman he was unable to lift as the blocks the boat was sitting on were in the way of placing the slings in the marked lifting position ( Kingston had renewed the lifting point stickers previously) they then informed me that having checked where they had previously placed the slings, it had crushed the side vents causing them to crack, they managed to lift the boat back into the water after having to lift and reposition blocks,
We reported the incident to kingstons manager, who replied that he would have to speak to his Forman to confirm our complaint
We wrote to Kingston B/y and requested there insurance details,but they were unwilling to supply them,they did offer to give me a free lift , but as they refused to pay for the repairs we declined there offer and on the 10-10-2019 notified Y insurance , and we preceded to make a formal claim supplying copy estimates of costs to repair,
Y insurance appointed a surveyor to check the damage and supply comparison estimates, for what ever reason he informed Y he was unable to obtain alternative quotes, after considerable time and chasing Y / Topsail who had been taken over, but we were still dealing with the same person, we were informed that the surveyor had spoken to the yard and they had denied causing the damage, turns out the surveyor had been speaking to the wrong yard, when he eventually got around to speaking to the correct yard Kingston they denied the amount of damage that we are claiming for , Even when they were presented with photographs
Topsail have just informed me that due to the small amount of damage , a claim could not be submitted, but the surveyor had agreed with Kingston boat yard that they would pay a maximum of £200.00 on completion of work on receipt of an invoice, our estimate of damages is over two thousand pound including boat lift ,
We feel that we have been badly represented, by Topsail and welcome comments on how to next preceed.
Interesting read .
 
I had ~£25k of damage in Norway, and Y agreed immediately to let me book specialist repairs, in an expensive Norwegian boatyard, without any quibbles.
I'm also in Kingston yd, I can show you the repairs :)
Sorry, got have no help about your insurance problem... but I will keep an extra strict eye on the yard operators...
 
I had ~£25k of damage in Norway, and Y agreed immediately to let me book specialist repairs, in an expensive Norwegian boatyard, without any quibbles.
I'm also in Kingston yd, I can show you the repairs :)
Sorry, got have no help about your insurance problem... but I will keep an extra strict eye on the yard operators...

After Y changed to Topsail , this seems to be when our problems started, so glad it's only a small claim and not one higher, all very well having a policy with all singing dancing cover , hopeless if it fails to actually cover you when your boat is damaged by third parties,
Keep both eyes on the operators at kingston, they have a history of damaging boats, I later found out,
 
Conclusion to our claim, after an official complaint was lodged to Topsail by us, Amlin agreed with our concerns around the proposed cost of repairs submitted by there surveyor , also that he had failed to evidence how a repair could be completed for the amount he proposed (£200.00) they awarded us full repair costs less excess,
Nigel Hawkes from Topsail, took charge of our complaint , and reviewed our claim, and also agreed with our concerns ,
So it's thanks to him and Amlin ,
 
Last edited:
Glad you got this sorted. Worth noting in the UK there’s the financial services ombudsman service which is free to use if you’ve made a complaint to the insurer and still unhappy.
 
Sorry to hewr this.l have been with y yacht ins for many yrs dithout a clain or any issues y were bought out by topsail a while agoand premiums rorose on my last renewal but a quick calltp clare froggatt soon resolved that clare has given me excellentservice over th
He yearsatb i hop ou get sortdoutf pdq
 
Sorry to hewr this.l have been with y yacht ins for many yrs dithout a clain or any issues y were bought out by topsail a while agoand premiums rorose on my last renewal but a quick calltp clare froggatt soon resolved that clare has given me excellentservice over th
He yearsatb i hop ou get sortdoutf pdq
Welcome back Sailorman!
 
IMHO not an Insurance problem.

It is a yard problem.

Pursue them.
Spot on although I would also use Y to increase the pressure. Small claims court is very efficient - I have used it once and with success. The key is to have clear documentation. If you have this the process takes probably one hour absolute max and then the yard has I think 3 weeks to respond. In my case the people I went after did not bother to respond. When tThis happened a County court order was issued and then I was asked if I wanted to have it enforced ie they send the bailiffs in to confiscate equipment until they reach a value to satisfy your claim. At this point the people I went after settled in full. If I recall it was circa £200 to file the complaint - you will get this back as part of claim if you win, and then another amount if you get to bailiffs which again you will get back. So definitely go this route and at worst you are guaranteed to get the yard’s attention.
 
Top