Re: [Amel Yacht Owners] INSURANCE update - still asking me to pay premium after boat sunk.


Alexandre Uster von Baar
 

Good morning Greg,

I paid once a year at the beginning of the insurance year (October for me).

I was likely to move to Y yachts, we had been in communication.

Sincerely, Alexandre



--------------------------------------------

On Wed, 2/28/18, Gregory Shea gmshea@hotmail.com [amelyachtowners] <amelyachtowners@yahoogroups.com> wrote:

Subject: Re: [Amel Yacht Owners] INSURANCE update - still asking me to pay premium after boat sunk.
To: "amelyachtowners@yahoogroups.com" <amelyachtowners@yahoogroups.com>
Date: Wednesday, February 28, 2018, 5:43 PM


 













Alexandre, 
I was wondering if
you paid all of the annual premium at the beginning of the
insurance year or were you paying it month by month? I used
to have Helvetia, I now have Y Yachts. 



Greg Shea

Sharki 133, Cap des Iles


Catania






From: amelyachtowners@yahoogroups.com
<amelyachtowners@yahoogroups.com> on behalf of
Alexandre Uster von Baar uster@rocketmail.com
[amelyachtowners]
<amelyachtowners@yahoogroups.com>

Sent: Wednesday, February 28, 2018 1:23 PM

To: amelyachtowners@yahoogroups.com

Subject: Re: [Amel Yacht Owners] INSURANCE update -
still asking me to pay premium after boat sunk.
 

 



Good afternoon Danny,



The insurance is Helvetia/GroupAma contracted through
Insurance De Lassee.



Here is the latest, sorry it is in French see below:



In short, even thought my boat is a total loss, and even
thought my lawyer wrote them a letter after the January
letter saying I was late to pay the premium, I should have
sent a certified letter.


So now I am late for the payment and are going to take legal
action to get the paiement plus fees to recover that
paiement ?!?


This is absolutely crazy.



Here is the french message:



Conformément à votre demande, la

résiliation du contrat d’assurance pour non-paiement
de

la prime est prévue par l’article L 113-3 du code des

assurances qui stipule :



« …A défaut de paiement d’une

prime ou d’une fraction de prime, dans les dix jours de

son échéance, et indépendamment du droit pour

l’assureur de poursuivre l’exécution du contrat en

justice, la garantie ne peut être suspendue que trente

jours après la mise en demeure de l’assuré. Au cas


la prime annuelle a été fractionnée, la suspension de
la

garantie, intervenue en cas de non-paiement d’une des

fractions de prime, produit ses effets jusqu’à

l’expiration de la période annuelle considérée. La

prime ou fraction de prime est portable dans tous les
cas,

après la mise en demeure de l’assuré.

  L’assureur a le droit de résilier

le contrat dix jours après l’expiration du délai de

trente jours mentionné au deuxième alinéa du présent

article.

  Le contrat non résilié reprend pour

l’avenir ses effets, à midi le lendemain du jour où
ont

été payés à l’assureur ou au mandataire désigné
par

lui à cet effet, la prime arriérée ou, en cas de

fractionnement de la prime annuelle, les fractions de
prime

ayant fait l’objet de la mise en demeure et celles
venues

à échéance pendant la période de suspension ainsi
que,

éventuellement, les frais de poursuites et de
recouvrement.

»



--------------------------------------------

On Wed, 2/28/18, Danny and Yvonne SIMMS simms@xtra.co.nz
[amelyachtowners] <amelyachtowners@yahoogroups.com>
wrote:



Subject: Re: [Amel Yacht Owners] INSURANCE update - still
asking me to pay premium after boat sunk.

To: amelyachtowners@yahoogroups.com

Date: Wednesday, February 28, 2018, 11:46 AM





 





















They never let up do they. You will need to remind us

who this company is.Kind RegardsDannySM

299 Ocean PearlOn 01 March 2018 at 02:13

"Alexandre Uster von Baar uster@rocketmail.com

[amelyachtowners]"

<amelyachtowners@yahoogroups.com> wrote:



  Good morning,





Even thought I said I

would wait the insurance issue to be solved to post the

entire story, I have to post what is going on now and
again

URGE ALL OF YOU to reread their insurance policies.



January 5, my insurance sent

me a letter saying I was late to pay the insurance
premium

(due by November 2017).

Prior the January

5 letter I never received any letter, email, etc. asking
to

renew the insurance which seems logical since NIKIMAT
sunk

September 6 and was declared soon after a total loss by
the

insurance…



Despite a

letter from my lawyer, the insurance just sent me another

letter yesterday threatening to “sue” me because I
still

haven’t paid the premium.



They insist I still owe the premium and sent

me the articles they are basing themselves (that is in

French).



I suspect they

refer to article 8.4.4

“en cas de perte

totale, vol totale et délaissement de votre bateau

assure”.

(in short: in case of total

loss so my case)

THEN it says:

“L’assurance prend fin de plein droit le

jour ou l’indemnite correspondante vous sera
réglée”.



(in short it says the insurance will stop

the day I will be reimbursed for the boat).

So in other words, as long as the insurance is

not settled, I still owe the insurance ?!? Seriously?
Crazy.





Since they are offering

75% of the agreed value and my lawyer is suing them to

collect the full amount and the insurance wait each time

“1 month” to reply a message (just like they did to
me

in Nassau) this can take several months possibly years

(since I am still not fully reimburse from the accident
in

Nassau over 3 years ago).



For information, my lawyer told me NOT TO PAY

that premium.



Bandits,

crooks, dishonest, gangsters, etc. are the words that
come

to my head now.





Sincerely,

Alexandre

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