the initial concern was raised by another dive charter operator
who had obviously been reading our site /seen our T&C's and words to the effect that we offer a taxi service (I know I should probably be flattered he was looking
).....sadly and IMO unproffessionally he made the comment to an important client of mine who thankfully had the good sense to see that he was stirring....but reported back to me anyway /did query what he had said (something along the lines of "all very well just taking divers to sites, but he does have a responsibility to them in the water" and "it wouldn't stand up in court")
I then (merely because I wanted to be positive there wasn't anything in his criticism /wanted to be able to reassure my client) spoke to a few other insurance providers (as well as my own again), one of whom gave the impression we did have a duty to divers and that his insurance was specifically geared up towards what we were doing /divers and that my existing cover wasn't sufficient I did need member to member etc.....Again, whilst I fully realise (and thank you also to Peter for his PM /Experience
) that this ws likely to be hard sell, it still sowed the seed of doubt...and I wanted to be clear I was fully covered /my current cover was correct, hence asking the question here /of other RIBnet operators....
Biffer, on further questioning, the insurer who said i was insufficiently covered has now backed down and feels that the cover we have is okay and that he now agrees member to member isn't required
, but says that he can also 'insure us for admin of 02' - A completely different matter.....I therefore don't feel he is as specialised as he thinks /advertises to be after all
My conclusions are:
a) If no one here has any advice /experience to the contrary I am now relatively happy I am correctly covered.....please feel free to comment if you haven't already etc.
b) Isn't it sad how unproffesional some people are....both in terms of the other operator and the insurance broker. Certainly not a way I have or would conduct myself
c) There's plenty enough sea out there for everyone....the charterer in question is at least 40 miles away from me anyway
Thanks all....still be pleased to hear any other views :Thumbs: