Boat insurance claims

Hi just wondering if anyone has recently made a claim on boat insurance as I’m currently going through one now!!!!I have impacted something in shallow water which has damaged the prop but at the same time it has sheared the steering arm(solid steel ).It is an inboard motor so it’s a major repair job(motor and leg removed).Insurance is saying they will only cover the cost of the damaged prop but not the steering arm which broke due to the impact...

Has anyone else had a recent experience or could advise me on the best way to go about this issue.

Much appreciated


abrohlosorbust's picture

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Date Joined: 08/06/12

PM Sent

Wed, 2018-11-21 10:07

Have sent you a private message

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 Getting wet is part of the Fun

Boston Whaler 235 Conquest

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Date Joined: 20/11/18

Insurance claim

Wed, 2018-11-21 10:07

Boat insurance 

abrohlosorbust's picture

Posts: 99

Date Joined: 08/06/12

Insurance claim

Wed, 2018-11-21 11:46

Yes

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 Getting wet is part of the Fun

Boston Whaler 235 Conquest

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Date Joined: 07/05/12

I had a mate who clipped the

Wed, 2018-11-21 10:46

I had a mate who clipped the ramp at East Freo and wrecked his gearbox causing $6k worth of damage and it was all paid out no worries with Club Marine.

I recently put in a claim with Club Marine when my rocket launcher broke and I lost gear overboard. They initially told me they'd pay me out on a GoPro that went over and made me provide proof of ownership and get a quote only to then tell me they don’t pay out on cameras unless provided in writing as per their PDS. I argued that they provided me with an agreement to pay out on the camera when they made me provide proof of ownership and a quote and requested a written transcript of the recorded conversation to take to the Insurance Ombudsman. I received a follow up email informing me they now agree to payout for the camera.

If you're not happy with the claim outcome I'd be now looking to engage the Insurance Ombudsman and providing your insurer a written email of your intention to do so.

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Honourary Pies member for a while

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Date Joined: 18/01/12

claims

Wed, 2018-11-21 12:36

 It seems to be standard practice in the Insurance Industry to simply refuse or reduce claims automatically, which weeds out the 10% who take it as gospil.

For the cost of an email etc saves them a lot of money.

Push the issue, but make sure you research it properly via your PDS etc.
And a good rule of thumb when dealing with this corporate crap, is dont ask a question unless you already know the answer.
Suggest also, getting an app to record your calls to them as they also like to make it difficult to access their recordings.

HBF recently told me on a disputed claim that

  • they couldnt locate the call recording
  • they located it 2 weeks later after I flew out to work, but it didnt agree with my recollection
  • They couldnt supply the recording or transcript but I could listen to it in the managers office as that was illegal (rubbish, its policy)
  • That I couldnt record it in the managers office while listening to it (before I asked that question).
  • And after I escalated the complaint-"we actually did give you the wrong information sorry, we have credited $880 to your account".

A mate recently had a similar claim to yours cut in half "depreciation". A short email detailing that while it was 10yrs old, it had only 150hrs on non wearing parts (shafts etc) and service history saw that reduced considerably.

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I had the same issue with a

Wed, 2018-11-21 13:05

I had the same issue with a water damaged smartphone Rob whereby they verbally told me over the phone it was covered under my portable items when signing up but then tried telling me I had to have it specified as an individual item when I tried to make a claim. They too claimed to have lost the recording and tried to fob me off and it took me 2 months of persistance to finally get them to admit that in lieu of them being able to produce the recording that they had to pay me out at which point they magically found it and tried a similar runaround RE accessing the recording. Rather than the recording, I demanded a written transcript of the conversation and it was then they obviously realised it would be cheaper/easier to pay me out than to continue to deal with me.

On the plus side they aren't all bad and I've been dealing with Medibank Pet Insurance for my 12y old dog since August this year and in that time have racked up over $12k worth of vet bills and each time I've submitted an invoice I've had the full 80% claim deposited in my account within 2-3 days without a question. Can't speak highly enough of their customer service in a time that is causing us a fair level of stress otherwise.

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Honourary Pies member for a while

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.

Wed, 2018-11-21 16:57

 Over the last 3 years the last 4 HBF larger medical claims I have all had to dispute, 2 of them were quotes from them accepted then paid $500 short with no explanation and no response to first 2 emails.

Almost like a pattern, a "mistake" in their favour, ignore or fob off the first couple of calls/emails.

Then sorted with an apology

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 Give a man a mask, and he'll show you his true face...

 

 

The older you get the more you realize that no one has a f++king clue what they're doing.

Everyone's just winging it.

 

Posts: 8016

Date Joined: 07/05/12

Now that the banking royal

Wed, 2018-11-21 19:41

Now that the banking royal commission is winding up...

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sunshine's picture

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Have sent you a pm

Wed, 2018-11-21 14:08

Should be easily resolved 

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People claim on marine

Wed, 2018-11-21 18:28

People claim on marine insurance far more than auto insurance. I’m not suprised they try to knock a few back.  

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