On 22 February 2018 at 02:14 "Alexandre Uster von Baar uster@... [amelyachtowners]" <amelyachtowners@...> wrote:
Well said Pat,
And Thanks Danny for taking the time to share your experience with us regarding the insurance.
Sincerely Alexandre
--------------------------------------------
On Wed, 2/21/18, Patrick Mcaneny sailw32@... [amelyachtowners] <amelyachtowners@...> wrote:
Subject: Re: [Amel Yacht Owners] Insurance. Does it deliver
To: amelyachtowners@...
Date: Wednesday, February 21, 2018, 6:39 AM
Hanspeter, I have owned my Amel and been a
member of this group for 11 years and never realized that
this group was strictly a "technical exchange
platform" thanks for enlightening me and the rest of
the group . OOPS , I guess technically , this was was a
technical post. Please disregard , Sorry !
Pat
SM#123
-----Original
Message-----
From: 'hanspeter.baettig@...'
hanspeter.baettig@... [amelyachtowners]
<amelyachtowners@...>
To: amelyachtowners
<amelyachtowners@...>
Sent: Tue, Feb 20, 2018 11:45 pm
Subject: Re: [Amel Yacht Owners] Insurance. Does it
deliver
Dear Mr. Baileys and Danny
I
don't like that you use this forum as an add and
marketing platform. Insurance are different by
countries.
Mr.
Baileys; you mentioned that we need an avocate at claim? My
question ? who is paying the avocate ?
Looking
forward that this platform remains as a technical exchange
platform
PS: there
are lots of other social platforms to share individuels
needs.
kr
Hanspeter
Tamango
2
SM16; Las
Palmas
Von meinem iPhone gesendet
Am 19.02.2018 um 20:49 schrieb Danny and Yvonne SIMMS simms@...
[amelyachtowners] <amelyachtowners@...>:
Hi All,
I received a personal email asking the name of the
insurance company that disappointed us. It was Haven Knox
Johnson, a Lloyds of London Company. The broker was The
Marina Shop of Opua NZ and the Assessor was Steve Lott of
New Zealand.
We have a new Broker, Baileys Insurance brokers of
Auckland NZ, and a new insurer recommended by them. QBE
Marine insurers. Steve Bailey the principal of the company
is a sailor himself. As always until you have a claim you
don't know the quality of the insurer and we have yet to
have a claim under this cover.(and hope we never will)
However we have confidence in our broker.
Regards
Danny
SM 299 Ocean Pearl
On 17 February 2018 at 07:24
"Danny and Yvonne SIMMS simms@...
[amelyachtowners]" <amelyachtowners@...>
wrote:
Hi all,
Further to my below, no one said no so I copy here an
email from my new broker sent after he read some of the
posts.
Danny
SM 299 Ocean Pearl
Hi
all,
I’ve
been reading some of the comments posted by many of you
about pleasure craft insurance policies.
I
feel very sorry for you, and agreed it is not a good
situation at all – but it shouldn’t be that way, and
sounds like you’ve not been getting the right advice or
support here. We always use “agreed value” policies
and they have worked for us and our clients as they should,
many, many times. One just less than a week ago in
fact.
What
you need is an advocate at claim time to ensure the claims
process goes as it should – in addition t
o ensuring your policy is set up correctly. This is where
an experienced Marine Insurance Broker comes in – well, a
good one anyway!
There
are also certain Insurance Companies to avoid out there.
Their policies aren’t worth the paper they are written
on.
Sincere
regards,
Neil
Bailey
Director
Bailey
Insurance Brokers
Auckland
New
Zealand
On 16 February 2018 at 14:27
"Danny and Yvonne SIMMS simms@...
[amelyachtowners]" <amelyachtowners@...>
wrote:
60;
Hi all,
As I said before I was burned badly by an insurance
company. I changed brokers and have a "agreed
value" policy with my new broker.
I forwarded him some of the correspondence because,
firstly I wanted him to know what was going on and secondly
to see what he said regarding my "agreed Value"
policy. He has sent me a response which is helpful. He does
have a good name. Is it OK for me to share his reply with
the group. I'm not trying to promote him, just to add
something that may be helpful.
Regards
Danny
SM 299 Ocean Pearl
Mangonui
New Zealand
On 16 February 2018 at 06:42
"Patrick Mcaneny sailw32@...
[amelyachtowners]" <amelyachtowners@...>
wrote:
Alexandre,
Trust me, I for one will reread my policy with a more
critical eye. Its disgusting how an insurance company would
look for any excuse , even an invalid one to escape their
responsibly .. I will guarantee that the vast majority of
boaters are not aware of these practices, and believe that
they have an umbrella of protection , that in reality does
not exist. I urge you guys to find a way to tell your story
to a wider audience.
Pat
SM Shenanigans
-----Original
Message-----
From: Alexandre Uster von Baar uster@...
[amelyachtowners] <amelyachtowners@...>
To: amelyachtowners <amelyachtowners@...>
Sent: Thu, Feb 15, 2018 9:11 a
m
Subject: Re: [Amel Yacht Owners] Amel owner saying
goodbye
Hello Pat,
I totally agree with you Danny.
This is why my lawyer said it was a rip off to start with.
You are paying in good faith a higher premium thinking you
are covered, but you are not.
I URGE everybody to read their insurance policies.
Most of you probably never even receive it (I had to ask
for mine).
I think as a boating community, if we group ourselves we
have a way to make things better.
Example on my insurance policy it says
in case of a name storm approaching you have to:
remove anything that offers wind resistance which is:
bimini, sails, lazy bags, blade of wind turbine, dinghy,
etc. these items must be removed and store inside the boat.
As Rafael tragically find out, this also include barbecues.
That is why they say “anything” even if not listed....
Then it says the boom must be attached to the deck.
Then you have to close all unnecessary sea cock.
Valuable objects such as electronics must be disassembled
and store on land...
Then you have to “triple” the number of normal fenders,
dock lines, etc.
IF YOU FAIL TO DO ANY OF THESE, the policy is canceled.
I really implore Rafael to tell his story…
Last week I met a french guy, so we chat, he used to be
hired by insurance adjuster to find “anything” on a
boat. He said, if there was a fire, the insurance adjuster
would hire him to find any electrical welding (if I u
nderstood properly), as soon as they find 1, even if it is
at the top of the mast, the policy is void and they don’t
reimburse.
He said he was disgusted and like many sailor I met now
simply has liability.
Alexandre
--------------------------------------------
On Thu, 2/15/18, Patrick Mcaneny sailw32@...
[amelyachtowners] <amelyachtowners@...>
wrote:
Subject: Re: [Amel Yacht Owners] Amel owner saying
goodbye
To: amelyachtowners@...
Date: Thursday, February 15, 2018, 7:15 AM
The
insurance company based the premiums on the Agreed value
,
and then only will pay out based on what they determine
the
market value is, because they don't want you to be
enriched ! Did they not e
nrich themselves by charging
excessive premiums for coverage they probably never
intended
to honor ? This kind of information needs to get out to
the
entire boating community through the internet and
sailing
magazines . I encourage anyone treated unfairly to
relate
their story , if it results in lost business maybe
they
will get the message. If 10% of those covered by a
company
cancelled and took their business elsewhere and gave the
reason why , it would get their attention. Its sad to lose
a
dream .
Pat
SM Shenanigans
-----Original
Message-----
From: Alexandre Uster von Baar uster@...
[amelyachtowners] <amelyachtowners@...>
To: amelyachtowners <amelyachtown
Sent: Thu, Feb 15, 2018 6:34 am
Subject: Re: [Amel Yacht Owne
rs] Amel owner saying
goodbye
Good morning Danny,
I also have an “agreed” policy (from Helvetia through
de
Lassee), BUT as my lawyer told me, this is a rip off as,
it
is written on the contrat that the insurance has the
right
to challenge the “agreed value” and pay only the
market
value because the owner would “enrich” himself if
case
of a total loss. (meaning that: if you are reimburse the
agreed value, you would “enrich” yourself getting
more
than the market value).
That is what my insurance is doing, so my lawyer ask me
to
compile all the invoices for the last 5 years to prove
that
1) vessel was better equipped justifying the agreed
value,
2) vessel was better maintained (justifying the higher
agreed value) 3) that my expens
es were higher than the
average, etc...
So now I have my own adjuster writing a full report with
all
the details.
We have been working since November on this.
So for anyone thinking they are safely covered with an
“agreed” value, please read your entire policy. If
you
want I can show the specific section where what I just
explained is written. That will be in french in my case.
Sincerely, Alexandre
--------------------------------------------
On Wed, 2/14/18, Danny and Yvonne SIMMS simms@...
[amelyachtowners] <amelyachtowners@...>
wrote:
Subject: Re: [Amel Yacht Owners] Amel owner saying
goodbye
To: amely
achtowners@...
Date: Wednesday, February 14, 2018, 10:51 PM
I too have been raped by insurers in the past. I now
have a policy with an "agreed Value" . I hope
that
would help in the case of a write off.DannySM
299 Ocean PearlOn 15 February 2018 at 11:19
"Alexandre Uster von Baar uster@...
[amelyachtowners]"
<amelyachtowners@...>
wrote:
Dear Rafael,
I think you need to tell
the Group “your” story about the insu
rance.
We have the same insurance
Helvetia contracted through de Lassee and I really think
every Amel owner should know the ridiculous excuses they
used to remove 30% of the value of your boat.
It is not “my” place to
tell everybody the way they treated “you”, but I
will
write mine with all the details when it will be settled.
I am definitely sorry that
your vessel was destroy soon after you purchased her and
did
not had the joy of sailing her.
Sincerely, Alexandre
--------------------------------------------
On Wed, 2/14/18, rcavie
<no_reply@...>
wrote:
Subject: [Am
el Yacht Owners] Amel owner saying
goodbye
To:
amelyachtowners@...
Date:
Wednesday, February 14, 2018, 1:57 PM
Dear
friends AMEL ownersProbably this
will be
the last email that I send and I will withdraw from
the group. The reason is that Hurricane
Irma
destroyed my Amel SM2k and it will be
impossible for me to
recover it.The
insurance will only pay a fraction of
what
it would cost me to buy an equal one. Deductibles and
other reasons.This situation not only
destroyed my<
br>
ship but my dreams. My dreams
of living on board with my
wife, my dreams
of crossing the Atlantic to the East, my
dreams of sailing the Mediterranean and perhaps other
seas
and finally returning to the beautiful
South of
Chile.
In this
group I gained friends
and knowledge and
for that, I thank each and every one of
you, especially Eric and Alexandre who from the
beginning
helped me with their advice.
If
you sail to Chile you will have a
friend
here.Greetings to
all
Fair
windsRafaelSM2k
246
