Not sure if they would pay out on a mechanical fault but hope for your sake they do

Gidday Tomcat.

The motor is covered for electrical fire under the policy. (no mechanics failed, so not a mechanical fault.)

The part that caused the fire isnt covered (tilt wiring harness), but everything else will be covered, but I just didnt realise it would take this long. (never claimed on anything before!)

Just having a whinge coz I'm missing out on some good fishing days! LOL.

sigh................

mate youll be lucky to get your dough dont push them .Insurance companies are a one way income (it comes in but fuck me its hard to get back)

Ring every hour till they get sick of you ask for assessors number and ring him In mean while go and get quotes so your ready to go

 dont push it or they will take a bit longer. give them a call just enquiring how things were going and most importantly, dont get agro with them. my last claim took about 6 weeks

Sounds like they're putting it in the too hard basket ...that sometimes means their going to play silly buggers however if your confident your covered I'd be revving them up ...the squeaky wheel gets oiled first

Thanks FaulknerF + Chris.

appreciate the input.

I'm not one for making a song and dance, but thought 4 weeks was a bit slow, hence put this thread on the board to elicit other peoples opinions on how long is the norm.

If 6 weeks is it, then I'll sit patient for 50% longer.

Cheers.

Mal.

That they either admit or deny policy liability within ten working days of receipt of the assessors report - that is a requirement unless they specifically advise in writing that they have insufficient information to make a decision and require an extension of time - even so they are required to spell out how long that extension will be

There is absolutely no question that the loss should be covered (we paid one almost identical last month) and I actually question the advice above that the whole of the harness will be excluded, the damage was caused by fire and as such irrespective of the proximate cause the whole of the loss should be met 

It does surprise me that Club Marine have taken this long - they are normally an industry leader in regards promptness of service - give them a call - if you have further problems or delays drop me a pm and I will draft a letter for you pointing out that they are in breach of the requirements of the Act

Sunshine

Good answer Sunshine.

Browny - Just give them a call, Majority of claims consultants will do their best to have your claim settled as at the end of the day they need to meet these requirements. If they are unable to give you an answer on that call, arrange a mutually agreeable time that they will call you. This will allow them appropriate time to investigate the status of the report and give you the best, most accurate answer.

If they do not return your call then you can escalate to a Supervisor as they have not met your expectations and broken an arranged call time agreement

The problem is when you call, a Claim service staff member takes the call, majority of the time this is not the claim consultant assigned to your claim. The service staff may not know the complete details/status and therefore cannot give you a complete answer/update.

Also depending on the company - (Not familiar with Club marine policy) - Fire claims may need to be Signed off from a GM, nothing suspicious just normal procedure that the company must follow incase of an audit. It may be that the Assessors report is with the GM awaiting approval and this may be causing your delay.

By way of background - 42 years in the game most in senior technical claims roles - Worldwide (and still hold senior position for national co still handling large and complex losses)  

The first issue to be determined by the insurer is whether they are going to indemnify you for the claim (accept or decline it) - there is no way that they need a final report from a loss adjuster to determine that fact indeed the final report generally addresses solely how much they are going to pay not the issue of policy response / indemnity.

I am sure you would be happy to know that the claim has been accepted !  ..........the question of amount follows later as costs become known .............and the Act requires that they make the decision or give a bloody good reason why they cannot and provide you with a time line as to when they expect to be 

It is this type of palm off that gets ALL insurers tarred with the same brush ...............

Sunshine

I'd be getting onto the assessor. My idea is that Club are very good. Normally its other factors that slow things down. In this case it sound like the assessor.

Thanks for the helpful views peoples!

And a special thanks for Sunshine for the private advice.

helped me greatly!

Cheers.

Browny.

I am going through a claim at the moment with club marine regarding my lower gearbox. Im about 3 weeks into it now. When I questioned the time taken I was told they had a 10 to 12 working day back log at the moment due to recent events over east. I only today had the assessor call me to discuss the claim.

wow  I made a car claim austrailia Day for a minor accident.  Went and saw the recomended repairer on the monday and car was fixed by the friday....  .

Have made a claim on Jetski's in the past that were involved in a trailer accident and my experience was that these assesors can make or break you...  They seem to hold all the cards and in no hurry to push your claim thru..  I think that claim took near on 3 months before everything was done and dusted...

As this places them in breach of the Act ....................that is why I was working 18 hours a day after the hail storm last year ..............and we were making snap decisions which probably cost the company money but we remained within Code.    As for assessors who generally are independents - hell there are a lot out there I would not consider using as they believe despite being supposedly independent that it is their job to find ways to deny or reduce the claim - that is NOT their job, their job is to factually report but some insurers have such poorly trained staff that the assessor have to do the job or both.    pgreen1 - how was it damaged - sandbank  reef impact or what as that type of damage requires an external causal factor for the CM policy to respond (read it cover to cover this morning)

Must say I like your response and attitude

Is covered - no question, and whilst I hear what Russ says I am pleased to say that sort of approach by insurers is long since passed. (they simply cannot get away with it since the introduction of both the Insurance Contracts Act and the Financial Ombudsman Service who provide the final line of appeal on insurance claims decisions.) 

In saying that I would expect the claims team to examine the prop blades for damage and if "in evidence" accept the claim.  The cause of the failure can also be determined by metallurgical examination as fatigue cracking (wear and tear) under a scope looks entirely different (crystalline) to that of an impact tear fracture which always has a clear point of origin.

If you have any problems dont hesitate to drop me a pm    

 Cheers mate I might do that today. The prop does have damage (bent) as it was part of the quote to replace it

Woo Hoo, just got the call. All good Im covered. New gearbox and prop coming my way.

And as it should be - they have met what they contracted to do - cover you for an accident ! 

Well another week has passed, and the silence form Club Marine is deafening!!!

surprise, surprise........NOT!

Getting irritated with apparent lack of action!

3 weeks ago the assessor came out, and still waiting.

Have sent you a PM Sunshine! :-)