Monday, October 06, 2008

Bring On Another Thousand

I have had a reply from the company I insure Bones with in relation to my claim form against a certain narrowboat that bashed into me.

“In order that we may progress your claim we await sight of two written estimates for the repairs required from your preferred repairers and photographs of the damages. If the appointment of a surveyor is requires we will arrange a survey once estimates are prepared and have been made available”

I despair. I suppose this means I have to pay to have the boat taken out of the water.


Blogger Halfie said...

Surely if there's no dispute about the incident, and you are not to blame, then the cost of the survey, including lifting if necessary, will be covered. And won't it come off the insurance of the boat which hit you (assuming it was insured)?

3:53 PM  
Blogger MortimerBones said...

but doesn't that mean I have to pay out from my own pocket for it to be taken out of the water so someone can have a look at whether it needs any work, and surely that requires a surveyor? (it was hit below the gunwhale and just above the water line...

3:57 PM  
Blogger Kev's Blog Space said...

Just a thought. If the damage are is in that area why does it need an out of water inspection? If you need to expose a few inches below the waterline why not use a ratchet strap or 2 to pull the NB over to expose the area.

7:09 PM  
Blogger MortimerBones said...

Nice idea, but that isn't something I can do is it. I think the insurers should be telling me what to do, not expecting me to tell them. It is such a pain when something happens that isn't my fault and how am I meant to know what needs doing. I suppose I have to get two experts to come along and tell me that it needs taking out of the water so they can have a look at the baseplate/survey - I already told them one guy said that.
I would still have to organise to have it ratcheted up or whatever it is.

7:14 PM  
Blogger Halfie said...

I think Kev's suggesting simply that you attach a line to the handrail or other suitable point, take the line over the far side of the boat from the towpath and under the boat to a bollard. Then, if you pull on the line (this is where the ratchet comes in) it will pull the far side of the boat down and raise the side where you are. (Obviously you drop the line under the bow, pull it along, and then attach it.) A couple of lines, each, say, a third of the way from each end of the boat, just makes it easier. Don't pull too much!

8:41 PM  
Anonymous Anonymous said...

surely insurers should come to the boat make a decision if it needs lifting out the water or not, if it does they should arrange for that surely, and certainly no money from you should pass to them-or you may not get it back, or have a signed thingy saying they refund,iss their a boat advisory committee somewhere?


8:49 PM  
Blogger MortimerBones said...

If the guy that did the damage wants to come and do that I think I would probably kick up a stink, so I wont do it myself. I would like to sit in my arm chair drinking tea while the insurers do what they are paid for.

I have asked two people to come and look at it in the water, and give me a quote for taking it out of the water if they think that is necessary. Even if I did that myself I couldn't tell what needed doing!

Can you tell I have a sense of humour failure about it all?

9:23 PM  
Anonymous Anonymous said...

well i am sure you can drink tea,- justneed to find the right folk to ask what the position is
not surprising no sense of humour on this, i woudlnt have one either


9:44 PM  
Blogger Jelunga said...

Are you claiming on your insurance or the person who hit you?


9:59 PM  

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