Originally Posted by seaskip
So, any suggestions?
I'm reluctant to recommend insurance companies unless I'm sure about their prompt and fair payout record
. As I've personally never had a marine
insurance claim in 35 years of owning policies, any experience is via friends and fellow cruisers.
I recently did some frustrating negotiations (like you) with Australian offices of insurance companies. Same frustrations, different reasons; we were looking at upgrading domestic policy to include international waters in South Pacific
. Going through a broker who understands your special requirements may work.
We got good service
and multiple options through SICYC's insurance brokers, but did not go through them. Our existing Pantaenius policy was upgradable but the rise in excess ( "deductable") was huge, and the International policy must be kept for a full 12 months if any claim is made on it. We were looking for a pro-rata refund if we returned to Australian waters sooner. We ruled out dealing with Club Marine because of very poor claims service
shown to close cruising friends.
We were running out of options fast. Finally, we got a couple of recommendations to try Baileys Insurance Brokers in NZ. We accepted their quote for a Velos policy (UK based, Lloyd's underwritten) covering Australian waters and upgradable to international waters at reasonable cost. It came highly recommended by some Kiwi cruisers we met. I hope that I don't get to test their claims process.