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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > Perils of a Pleasure Boat Insurance in Spain
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Topic Review (Newest First)
07-24-2007 11:05 PM
sailingdog This guy is a troll... this is the only subject he ever posts about...and he's been doing it a while. Somehow, I get the feeling this guy would fail a Turing test.
07-24-2007 05:25 PM
GySgt
Quote:
Originally Posted by DonQuijotedelMar View Post
Perils of a Pleasure Boat Insurance in Spain.


I apreciate serious comments and opinions on this topic, since I´m ignorant in jurisprudence, but quite experienced as a seaman.
Taking the case to Court in spite of being more or less broke, or keep on warning unknowing pleasure boat owners in the hope of getting a relevant opinion some day? Please read again and have a good think before you give an opinion.
Don Quijote del Mar.
Lets see:
1. Don't like Spain...move
2. Don't like Spanish insurance....don't buy it
3. Never try to navagate open waters to an island in a car
4. Stay off the rocks.... seriously
07-24-2007 04:57 PM
DonQuijotedelMar Perils of a Pleasure Boat Insurance in Spain.
“Well, what happened to the boat?”, some reader might wonder.
To avoid losing both the boat and the received indemnity over time to the COMPANY-picked boat-yard, the boat owner donated the boat to a Navigation School on the Mainland in exchange for the pending and rising demands from the COMPANY-picked boat-yard. 
Besides being repaired at the same boat-yard, the boat received a total renovation, an echosounder, a speed log, new VHF radio equipment, a new life raft and rescue-equipment, a full painting job, and a complete official survey for a Sea-Worthiness-Certificate and a Spanish Matriculation. 
From a reliable source, the expenses for the repair-jobs did not come up to the costs demanded from the Swedish boat owner. The difference amounted to more than 3000 €. 

I apreciate serious comments and opinions on this topic, since I´m ignorant in jurisprudence, but quite experienced as a seaman.
Taking the case to Court in spite of being more or less broke, or keep on warning unknowing pleasure boat owners in the hope of getting a relevant opinion some day? Please read again and have a good think before you give an opinion.
Don Quijote del Mar.
07-14-2007 06:47 PM
Giulietta
Quote:
Originally Posted by DonQuijotedelMar
A few weeks later the boat-owner visited Ibiza by car to pick up personal effects and the insured but undamaged equipment, which the COMPANY had deducted from the indemnity.
and how, my amigo did he drive to Ibiza??? in one of those James Bond cars????

Now I understand the "COMPANY" being so difficult...the guy that grounded the boat believed he was driving his car.....

The car insurance COMPANY has a similar complaint there...about this guy that drove a car to Ibiza, and now claims his spark plugs are wet.....
07-14-2007 05:28 PM
camaraderie The one note samba continues!
07-14-2007 05:14 PM
DonQuijotedelMar Perils of a Pleasure Boat Insurance.

A small Swedish pleasure-boat got stranded on a beach on Ibiza in a violent and totally unannounced storm, which stranded four (4) yachts in the area and caused twelve (12) emergency turn-outs by Salvamento Maritimo during a few dramatic night hours.
The Insurance Company, was contacted and promised prompt salvage actions….
Under the veil of discretion, the Spanish Insurance Company will be named “the COMPANY” in this true story, but can be any Company adapting the same moral code.

Salvage actions was DELAYED SIX (6) DAYS, during which the boat bumped against the rocks by every wave and received more damage! The boat was then salvaged and transported in an unprofessional manner to an expensive boat-yard, chosen by the COMPANY, and received still more damage! The COMPANY blamed the delays on “fiestas y permisos”! 

The COMPANY could now be sure that the repair costs would exceed ¾ of the insured value and thus be considered as “total constructive loss”.
The COMPANY´s surveyor considered the boat underrated. The boat was insured to a value equivalent to comparable boats for sale on the Spanish boat-market and in accordance with the COMPANY´s agent in the base port.
When the tender for the repairs finally arrived, 24 days later, from the COMPANY-picked boat-yard, it was impudently high priced. 
A comparison with a well-reputed boat-yard on the Spanish mainland showed that the repairs could be done on the Mainland boat-yard for less than half the price and with 5 years guarantee. 
The boat-owner felt as caught in a trap.
The COMPANY-picked boat-yard demanded an absurd sum for releasing the boat from the boat-yard, increased the lay-up-fee 37 %, and threatened to bring the boat to a scrap-yard. 
The transport from Ibiza to the boat-yard on the Mainland would be very expensive.
The COMPANY´s offer of indemnity, 54 days later, for “total constructive loss”, was reluctantly accepted. A number of questions concerning the course of events were sent to the COMPANY.

The COMPANY then made huge deductions for insured but undamaged equipment remaining aboard, salvage and transport, and told the boat-owner that he was still owner of the boat and its equipment and responsible for all pending and future costs from the COMPANY-picked boat-yard.
A few weeks later the boat-owner visited Ibiza by car to pick up personal effects and the insured but undamaged equipment, which the COMPANY had deducted from the indemnity.
When he came to the boat-yard, the COMPANY-picked boat-yard manager PREVENTED HIM FROM PICKING UP HIS BELONGINGS FROM THE BOAT! 

One month later a friend, well initiated in insurance matters, told the boat owner that he was being cheated by the COMPANY and helped formulate a claim.
The claim was sent to the COMPANY and resulted in a poor consolation, called “calculation error”.
The claim was recommitted and the afore-mentioned questions repeated.
Appeals were made to the Spanish consumer organization OMIC, to Dirección General de Seguros (DGS), to The Spanish and Swedish Consumer Commissions for “unfair terms in consumer contract”, to the Spanish Financial Ombudsman (El Defensor del Pueblo). All in vain.
A clause in the Insurance Contract promised (?) that possible conflicts could be solved by arbitration procedure. An application for arbitration was sent to la Junta Arbitral de Consumo.
In a letter to La Junta Arbitral de Consumo, the COMPANY explicitly refused to take part in an arbitration and gave an empty promise to take immediate contact with the client. 
At the time of writing, more than three months later, no contact has been taken.

Boat owners and others ought to be able to draw their own conclusions from this true story.
My advice is: Read the rest of this article and check your Boat Insurance Contract with your Company.
For more details e-mail: donquijotedelmar@gmail.com
07-11-2007 12:11 AM
RickLaPaz Does boat still float? Perfect. Insert body A into vessel B and steer a course for country C.

(That'll be a thousand Euros, please. P/M me for mailing address)..............
07-10-2007 08:41 PM
tdw Yep, five posts, all virtually identical. Axe to grind ? Trolling for email addresses ? Or just another one of those wankers who inhabitat the world of late night talk back radio ?
07-10-2007 08:36 PM
camaraderie Well...DonQuixote was rather obsessed with tilting at windmills eh dawg?
07-10-2007 05:38 PM
sailingdog Hmmm.. it seems like you post about this same issue every few months, and nothing else...
This thread has more than 10 replies. Click here to review the whole thread.

 
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