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[Amel] Insurance Comparison
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peter killen <peterkillen@...>
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. [Non-text portions of this message have been removed] |
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Anne and John Hollamby <annejohnholl@...>
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.
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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 |
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kimberlite <kimberlite@...>
Kimberlite has always ben insured with a company suggested by Joel. Brown
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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 ------------------------------------ Yahoo! Groups Links |
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EdisonR <roque@...>
Thank you Eric, Anne & John, Peter and everyone else who took the time to share their experience regarding insurance.
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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:
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Judy and Bill aboard SV BeBe <yahoogroups@...>
We had to leave our last insurer, Allianz UK, because they decided to change the terms at renewal time regarding the Indian Ocean. We are in our second year with Assurances Maritimes Allain de Lassée (Groupama Transport) in France. They are one of the few companies that write "around the world" insurance. They specialize in a few brands of yachts and Amel is their primary brand according to our contact in France.
Assurances Maritimes will write a US documented yacht as long as its home port is not within the US. BeBe's home port is St. Thomas, USVI. We use our Houston address for the policy. If you are a US documented vessel, changing your home port is done by filing form CG-1258 with the USCG. Their hurricane coverage clause is also very reasonable...there are no exclusion boxes of lat/lon. If you are at sea in a storm, you are covered, if you are in port and have taken reasonable steps to protect the yacht, you are covered. If you are interested ask for a copy of the contract language. We were provided an English version. Contact information for Assurances Maritimes is Françoise GODINEAU <fgodineau"at"assurances-delassee.com>. Tell him that you are interested in a quote like he did for yacht "BeBe." Best, Bill BeBe, SM2k, #387 |
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