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


Alexandre Uster von Baar
 

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


Jean-Pierre's MacBook Air <jgermain@...>
 

Hello Alexandre,

I feel for you.

However, insurance companies all act as you are witnessing first hand.

Best of luck,

Jean-Pierre Germain
SY Eleuthera, SM 007.

On 28 Feb 2018, at 08:13, Alexandre Uster von Baar uster@... [amelyachtowners] <amelyachtowners@...> 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

<2018_02_19_assurance bateau  001.jpg><2018_02_28_Scan.jpg>


Danny and Yvonne SIMMS
 

They never let up do they. You will need to remind us who this company is.

Kind Regards

Danny

SM 299 Ocean Pearl

On 01 March 2018 at 02:13 "Alexandre Uster von Baar uster@... [amelyachtowners]" <amelyachtowners@...> 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


 


Alexandre Uster von Baar
 

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 où
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
 

















Posted by: Danny and Yvonne SIMMS
<simms@xtra.co.nz>


Gregory Shea
 

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@... on behalf of Alexandre Uster von Baar uster@... [amelyachtowners] Sent: Wednesday, February 28, 2018 1:23 PM
To: amelyachtowners@...
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 où
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@... [amelyachtowners] wrote:

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

















Posted by: Danny and Yvonne SIMMS




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