Originally Posted by Solent Ribman
Who were you insured with? Were there any traps in completing the claim form that I should be aware of. Knowing what insurance companies are normally like, I am sure they will try and reduce my claim, so I won't be able to purchase as good a piece of kit.
When you do fill the forms in make sure you claim for 'everything' - ie if you were insured for £500 of accesories- you had £499 worth on the boat (lifejackets/ handheld VHF etc - see if this includes the clamp/ hitch lock-you will need new ones) . Of course you had a nice shiney SS prop on it worth £500 etc - all this will help you get closer to the real value of a replacement rig.
If your policy covered a tender (some will do this automatically up to £500) make sure you are clear these was a small SIB on the boat permanently maked with the main boat name etc. I see you had a fire extinguisher - were are they covering the value of this ( and anchor / fenders etc) - hull / accesories etc ? It all adds up very quick when you are buying replacement stuff !
Read the policy wording/schedule while you fill the claim form in & start recording values of boats similar to yours now - othersie after a few months they may have dropped (if it takes this long to settle) . If they delay the settlement - suggest a staged part payment ( to come off the final amount) - you could use this to hire aboat over the summer etc.
I am sure you can find all the supporting paperwork if neeed from the poeple you have purchased this from other members.
Remember the insurers will be looking to pay as little as possible - its thier job - nothng personal - its just business to them - but very personal to you .
Am happy to help if you find it getting painful as spent quite a few years in this business ! But hoep it al goes OK - some insurers can be surprisingly fair .