Re: [Amel] Insurance Comparison


EdisonR <roque@...>
 

Thank you Eric, Anne & John, Peter and everyone else who took the time to share their experience regarding insurance.

I think a feedback about my choice is in order:

The final comparison was between Pantaenius-SP and Assurances Maritimes de Lassee/Groupama

I chose de Lassee/ Groupama, from France. I hope I will never know if this was the best call, but the main reason is that they promptly included an amendment clause in the contract, regarding a specific need. And, their price was 35% less than Pantaenius final estimate. There were a few differences, but not enough to justify 35%.

To be fair, I must add that the attention and advice I got from Mr. Keefer (Pantaenius Spain) was outstanding and much, much better than De Lassee's. So maybe, should an accident occur, I am guessing I would get better attention from Pantaenius. But, as I said, I hope we will never know.

Should anyone need more specifics, feel free to write "roque at credvapt com br "

Thanks again

Roque
Atica Amel 54 #110, currently in Spain

--- In amelyachtowners@..., kimberlite <kimberlite@...> wrote:

Kimberlite has always ben insured with a company suggested by Joel. Brown
and Brown in Ft Lauderdale. About 4 years we were hit by lightning at the
dock. They paid to the penny including some questionable possibly good/
possibly bad items to the tune of over 100 k.
All electronics, furling motors, thruster motor , alternator, starting
motor, generator boards, a whole new set of batteries and a new set of
worldwide chart plotter chips and more that I can not remember. All in all a
extremely fine experience ( no damage to the hull or Rigging).

Brown and Brown.
Ft Lauderdale (AIG insurance CO)
Fair Winds
Eric
Amel Super Maramu #376 Kimberlite



-----Original Message-----
From: amelyachtowners@...
[mailto:amelyachtowners@...] On Behalf Of Anne and John Hollamby
Sent: Tuesday, April 26, 2011 1:02 PM
To: amelyachtowners@...
Subject: Re: [Amel] Insurance Comparison

I have been covered by Pantaenius UK Branch for the past 18 years without a
claim for 16 of them, being very impressed with their sales line under the
now retired MD Barry Sullivan. A couple of years ago we were anchored in a
north facing bay on an island with a forecast of southerly winds. A squall
came through from the north in the middle of the night and we had to up
anchor in 40/50 knots towing our nearly new dinghy as a charter boat was
dangerously close. First the dinghy was upended and the old 5hp engine went
and then the dinghy broke loose and was lost. Pantaenius was not generous
but did pay for the cost of a new dinghy but only allowed 100 euros for the
old engine BUT they deducted 50% under the terms of the policy as the dinghy

was not on board. I thought that this was very mean as it was not
unreasonable to leave the dinghy in the water but locked on with a long wire

in view of the forecast. We had saved the yacht from being damaged by the
charter boat and avoided the risk of being driven ashore. Their only saving
grace was that they did not penalise me with the deductible. I was not very
happy after all those years bearng in mind the £35,000 that I had paid them
over that time.
Back in 1991 my then yacht was severely damaged in Newport, RI and I was
very unhappy with my insurers but I suppose it was not their fault. Their
loss adjusters employed a surveyor who produced a poor spec on which he got
several quotes ranging from $55,000 to $212,000. With hindsight the moral
of that story was that I should have employed an independent surveyor/loss
adjuster although that is easier said than done as most surveyors get much
of their income from insurers. In the event I had the boat shipped back to
the UK where a good surveyor got three estimates ranging from £72,000 to
££78,000.
I then had a meeting with the brokers and my surveyor and he astonished me
by saying that he could not act for me during the repair process as the
insurers were major clients of his.

Happy sailing, Anne and John, SM 319

----- Original Message -----
From: "peter killen" <peterkillen@...>
To: <amelyachtowners@...>
Sent: Tuesday, April 26, 2011 10:05 AM
Subject: Re: [Amel] Insurance Comparison


Hi Roque, I am insured through Topsail Insurance brokers (agents for
Navigators and General (The trading name for Zurich Insurance PLC). I
have used them for the last 7 years, ever since Pantaenius refused to
insure me for a trip on our Amel from Ireland to the Antarctic and back.
I find them to be most helpful and efficient (and reasonable). Their
email address is; enquiries@... They advertise from
time to time in OCC Flying Fish Journal

Regards, Peter s/v Pure Magic 433
On 25 Apr 2011, at 14:20, EdisonR wrote:

Hi everyone.

I have read a lot of previous posts about insurance and started asking
for quotes. It is now narrowed down to 2 providers: Pantaenius (Mr.
Keefer Ascher from Mallorca) and Assurances Maritimes de Lessee (Mr.
Geoffroy de Lassee) which uses Groupama, a French insurer.

Our Amel 54 is in Spain - Spanish flag- and we will spend the next 2
years in the Med.

Price aside, has anyone an opinion, pros and cons, heads up or a
firsthand experience with either one?

Thank you

Roque
s/v Atica. Amel 54 #110
Currently in Spain



[Non-text portions of this message have been removed]



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