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Old 23 August 2014, 08:19   #1
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Largs yacht haven unhappy boaters

We berth our cruiser in Largs yacht haven & have several friends who also berth there & I assume probably a few ribnet members too
The marina offer a dry berth facility for boats up to around 30ft which is quite popular with ribs & smaller cruisers etc. Boats are launched by marina staff with a tractor.
Recently a member of staff was moving a 30ft motorcat towards its trailer when apparently one of the outboards stuck on wot the result was 3 damaged ribs & the motorcat perched across one of them. The marina staff decided to sink said rib to free the motorcat from it almost certainly writing the boat off

Yacht havens have told the boat owners to claim off there own insurers as they have to carry insurance as part of there berthing terms & have been totally unhelpfull towards the aggrieved owners
surely this cannot be correct the marina should be making good damage done by there own staff?*
Can anyone confirm the legal position?*
Whilst my boat wasn't damaged I'm obviously concerned that if it was then I'd be left claiming from my own insurers rather than the people who did the damage

On another note there was recently a sailing event taking place & the rear gate into the boat yard was left open from 8 am till 9 pm as the rear of the yard was used as a temporary camp site for the dinghy sailors. This meant unchecked access to the entire boat yard for all & sundry -result 7 outboards stolen in one week - Marina's reaction 'keep it quiet'*
How can they get away with it ?*
Anyone else had problems in a marina & is this typical?
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Old 23 August 2014, 08:51   #2
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I am no expert but; I think that would be normal practice to claim off your own insurance (just like you do with car insurance) and let the insurance company sort it out with the marina.
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Old 23 August 2014, 10:15   #3
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Sounds quite wrong on both counts. But you should check the small print in your contract with them just to see what it does say.

Id also ring your insurer / broker and find out if you would have been covered had it been your boat.

Id also ask to renegotiate my contract with the marina as this is not good. See what the others think as well.
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Old 23 August 2014, 10:44   #4
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My boat isn't kept on the dry berth but could easily have been a victim & I would expect any damage done while my boat is moored to be covered by the insurance of the person doing the damage not mine!
Anything that is damaged in an accident is the responsibility of the person doing the damage be it a house car fence caravan etc if you crash into it you can't just walk away shrug & say well never mind you have insurance!
I'd have to dig out the agreement but if this is the case I'll be moving the boat at the first opportunity unfortunately I just paid for the next year at the start of August
There attitude to security also stinks keeping thefts quiet instead of warning others to be vigilant
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Old 23 August 2014, 11:06   #5
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Lets get this right, they deliberately sunk the RiB?? Mmmm not sure what the insurance would make of that.. I'm no expert but that rings alarm bells to me....

"Sorry I want to claim for some repair work" That's ok sir, what happened?.. "Mmm well my boat was in the way of a recovery, so we sunk the boat!!"
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Old 23 August 2014, 11:16   #6
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Liability will, to some extent, depend on the T&Cs the boat owners have with the marina. There may be some forms of liability they can't contract out of and the degree of negligence the (or their staff) displayed will be a significant factor in that - but it is far easier to let your own insurer handle the dispute and cross claims etc - especially when there are multiple boats involved. I'd say the downside of having a claim on your record is probably worth it for the hassle saved. What if they offer to repair some damage themselves then you weren't happy with the work - its all a mess.

I'm amazed that with the gate left open for 1 day (when presumably there were lots of people around) that 7 motors got nicked. I've kept my boat in various places (which I wont name for obvious reasons) which have had pretty lax security on a regular basis, and none have had that sort of a problem. The cynic in me wonders how the thieves knew that security would be reduced at that particular point?
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Old 23 August 2014, 12:11   #7
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Ashby power- the marina staff sunk the rib before the owner got there
Poly- the gate was open for a week it was the laser nationals my boat was out of the water due to a bust engine & there were campers all around the boat.
Whilst I wouldn't suspect any of the dinghy sailors there was ample opportunity during briefings and bad weather when everyone was in the club house for anyone to enter unchallenged
Security isn't great at the best of times but leaving a gate open to a public car park is asking for trouble
I questioned why the gates were open after the first day & was told 'we always do that during events'
Seems strange berth holders paying thousands have to enter through a security barrier but not strangers
Possibly the thefts were not linked to the event but keeping quiet about 7 motors going missing in one week rather than warning people just stinks
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Old 23 August 2014, 12:54   #8
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Seems to my untrained mind that the Marina is wholly responsible for the actions of their staff, and its likely the Insurance company would walk away from any claim !!!
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Old 23 August 2014, 12:57   #9
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Small print usually with this type of thing !

Do you sign any form of disclaimer ??
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Old 23 August 2014, 15:37   #10
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Very disappointing,can see why their site says;

"All boats using the marina facility, ashore or afloat, must have a minimum of 3,000,000 third party insurance"
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