This was not an "all risk" policy. If you get partial insurance, you are partially
covered. It sounds like the charter company was underinsured.



"Oz1" wrote in message
...
On Mon, 21 Jul 2003 18:23:59 -0400, "Jeff Morris"
jeffmo@NoSpam-sv-lokiDOTcom wrote:

No, they certainly would have paid. For starters, I don't know what maintenance would
have prevented the throttle cable break - there was no binding, it was well lubricated,
and the break was, IIRC, inside the swaged fitting on the end.

And besides, unless I was told it was about to break and I said don't bother fixing it,
the insurance would cover it. Most insurance claims have, underlying them, some degree
of
human error. Almost every collision is someone's fault - are you saying they don't pay
off in those cases?


I'm saying they would look seriously at the case if any major damage
was caused which resulted in a large liability.
Friend was driving a charter boat when the gear cable snapped as he
was reversing into a slip.
The boat ran at near full throttle up over the slip end bending the
rudder and then fell sideways onto the boat next to it tearing out a
section of deck and hull.
Remote location with no slipway available meant flying in boatbuilders
to do a temp repair on both, then sailing them a thousand miles to a
slipway for proper repairs then return.
Insurance coy (Lloyds) refused claim because there was evidence that
the cables had some corrosion and that prudence would indicate the
regular replacement of such a vital piece of equipment on a regular
basis. Much like refusal to pay dismasting claims when the rigging is
over 10 years old and not been die checked or renewed.

Charter company wore the bill after trying to get at my friend without
success.

Oh and you would also have incurred liability by trying to slip the
boat without effective control...your wife in the engine bay would not
be considered effective control evidenced by the inability to maintain
control.


Oz1...of the 3 twins.
I welcome you to crackerbox palace,We've been expecting you.