Hi, To clarify in more detail my sources re declined insurance claims, according to a consumer protection documentary or 2 on CBC TV it seems that, sadly, it is a standard practice almost, when processing a claim for house fire damage, or travel medical insurance, (in particular) for the insuring company to go through the original application that was previously accepted together with the premiums, and attempt to find, or interpret the form as having given such details as to make the situation/person uninsurable, thus rejecting the claim. This being the case, the definition of 'sub-par' would seemingly depend upon the insurer. Further, there was proof from the same source that insurers work on a quota basis, and valid claims get rejected upon the basis of that monthly quota being exceeded. This actually caused an insurance company to be eventually taken as high as The Supreme Court of Canada, and it ended up in them paying over a million bucks in punitive damages, after taking many years of fighting to pay out re a house loss fire. I have no reason to suspect, based on this historic performance, that insurers can be trusted 100% regarding boat (or any other!)insurance. Nor that globally other insurers based elsewhere are more trustworthy, in any situation where they can avoid paying out claims. A possible way to deal with this might be to approach the insurer before any claim, asking for confirmation that the application form contained nothing that would cause rejection after the event, and also ask (or tell?) them by registered mail that by accepting the premium, it is now a matter of record that they are accepting that the boat is insured as intended. Be aware that they might prefer to cancel and refund premiums, rather than cause a valid claim to be unrejectable. http://www.cbc.ca/marketplace/in_denial/ http://www.cbc.ca/news/canada/story/2012/03/08/travel-insurance-marketplace.html Having said that, my wifes vehicle insurer paid out a write-off claim she had promptly and in full with no silly tricks. The main reason I posted the original query was to try to see if I can block as many loopholes as possible before the event, and an obvious loophole is lack of marine certification. This seems to be countered by commonsense from the US Coastguard, which is good enough for me despite being out of jurisdiction. John 7a. Re: Is Marine Certification Required? Posted by: "Kevin Pemberton" pembertonkevin@gmail.com the_right_lane Date: Mon Sep 24, 2012 4:23 pm ((PDT)) Hey Carter, Big Brother is watching you. It is highly unlikely the inspector from the CG would understand all the details of an E-boat. If however a failure of your system created an incident you would hope you had done all you could to make the job right. Remember the CG can board a US vessel for inspection anywhere in the world. They were doing this in La Paz when I was there because the port athorities complained about boat conditions. Insurance companies have been known to refuse payment of a claim when something was sub-par and caused a loss. Kevin Pemberton
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