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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > insurance Edward William Marine Services
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Topic Review (Newest First)
12-16-2013 04:18 PM
capta
Re: insurance Edward William Marine Services

Quote:
Originally Posted by scratchee View Post
Check the dates. The OP and his follow-up response are more than 4 years apart. Sounds like he asked about the company, decided to get a policy with them, then had to make a claim which was paid to his satisfaction.
Yesterday, I read and reread all the postings by Simon, but I did miss the dates. I sincerely apologize to Simon.
12-16-2013 11:53 AM
SimonV Sailorsnook, the only attachment I have with this insurer is thay gave me cover that I asked for and looked after me and others I know personally. I live on my boat and cruise extensively. I did not take up the personal property clause, but if I had it would have been plain to see as the policy is very easy to read. If it is not on the document you don't have it. The reason I asked the original question all those years ago was I was reading some rantings at the time by an insured party who was refused his claim on a rig replacement. Long story short, he lost his rig replaced it with a second hand mast doing the work himself. He put in a claim for a NEW mast and an hourly rate for his own labour. This was refused and he flooded the internet with his rants. I have heard, (from others in the cruising community) he eventualy got reimbursed but only for his actual reciepted expenses. I can give an incident where they didn't pay, and that was my friend who was paid for the lost rudder. His boat was repaired in Eden and relaunched and teid to the wharf. Due to unsuitable weather for the tril north it was left there for a week. During that week a steel yacht came in and contrary to rules rafted up to his. This boat broke its mooring line and pounded mu mates boat doing quite a bit of damage to his topsides. Anyway the owner of the boat had contacted his insurance and by the time my mate got down there the assessors had done their bit. As the other boats insurance was covering his damage he failed to notify his own insurer. After a couple of months he was getting nowhere he contacted Edward Williams. His claim was refused as it was outside the required reporting time. They did assist with recommendations and introductions to pursue the other company. It all ended well but took time. I think the moral is read you policy as soon as you get it, and stick go their requirements. As far as you stating you paid for the extra contents cover, did you receive an updated policy? I ask this as Early this year I had to add coverage for New Caledonia and Vanuatu. Paid online and received the new documents within a couple of days.
12-16-2013 10:30 AM
bubb2
Re: insurance Edward William Marine Services

Let me explain, I spent 30 years in insurance. Every time a claim is denied the insured is always upset and disagrees as to the reason it was denied. But to denied a $5,000 claim tells me the Co. feels strong in their position as it would cost them far more to defend their (read "nuance claim") position should you press the issue with them.
12-16-2013 10:14 AM
bubb2
Re: insurance Edward William Marine Services

Quote:
Originally Posted by sailorsnook View Post
For goodness sake, I only pasted today because someone else did, it's not a habit and they're not snidey or personal remarks, I simply reported what happened to me and the fact that this insurance company carries a UK Government health warning on the Financial Conduct Authority website - a simple fact and not without reason I'm sure.

I can't imagine why you're so upset, or feel the need to make personal comments.
I am not upset, I am not the one out $5,000. I just like to know the whole story, that's why I would like to see the quote and the policy. What you have been calling a warning is a simple notice that they are not registered in the UK. They are located in Spain. They are what we call in the states an "offshore" co. which I would be careful to do my due diligence on before I spent money with them. You could be the victim of fraud or on the other hand you got all the insurance you paid for which did not include personal property. I would be on your side if you show us a Insurance quote that said one thing and a policy that shows something different. However from the outside looking in you haven't documented your side of the situation well enough to be 100% creditable.
12-16-2013 09:45 AM
scratchee
Re: insurance Edward William Marine Services

Quote:
Originally Posted by capta View Post
I just noticed that the OP has answered his own question on this thread by stating that he has been with the company in question for 3 years AND has had a claim paid by them.
Kinda seems like an ad doesn't it?
Check the dates. The OP and his follow-up response are more than 4 years apart. Sounds like he asked about the company, decided to get a policy with them, then had to make a claim which was paid to his satisfaction.
12-16-2013 09:34 AM
sailorsnook
Re: insurance Edward William Marine Services

For goodness sake, I only pasted today because someone else did, it's not a habit and they're not snidey or personal remarks, I simply reported what happened to me and the fact that this insurance company carries a UK Government health warning on the Financial Conduct Authority website - a simple fact and not without reason I'm sure.

I can't imagine why you're so upset, or feel the need to make personal comments.
12-16-2013 08:43 AM
bubb2
Re: insurance Edward William Marine Services

Quote:
Originally Posted by sailorsnook View Post
This event was months ago and I've moved on I'm not going to look for the files again, anyone can look at my blog, malcolmsnook dot the obvious if they want to see more, or they can just use a reputable, regulated insurance company. Fini

You have moved on just enough to keep posting one sided snarky remarks about a co. when you are not willing prove the accuracy of your claims by post copies of the quote or policy. What you call unregulated in the UK we call surplus lines in the states. It has no bearing on financial integrity. In fact one of the companies I represented and placed parts of the coverage for the London Olympics was an A rated unregulated/surplus lines carrier worth enough to buy England.
12-16-2013 08:20 AM
sailorsnook
Re: insurance Edward William Marine Services

This event was months ago and I've moved on I'm not going to look for the files again, anyone can look at my blog, malcolmsnook dot the obvious if they want to see more, or they can just use a reputable, regulated insurance company. Fini
12-16-2013 08:09 AM
bubb2
Re: insurance Edward William Marine Services

Quote:
Originally Posted by sailorsnook View Post
Not looking for sympathy, just warning other people, you can make your own minds up, I have photographed the documents and pasted them in various places, I'm not going to spend more time on this just hope I've saved someone from being conned, mine is not the only warning if you look into it.
If you pasted "various places" it should not be any trouble for you to paste them here also. Your "warning" would carry more weight.
12-16-2013 07:57 AM
sailorsnook
Re: insurance Edward William Marine Services

Not looking for sympathy, just warning other people, you can make your own minds up, I have photographed the documents and pasted them in various places, I'm not going to spend more time on this just hope I've saved someone from being conned, mine is not the only warning if you look into it.
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