Pantaenius is a Selective & Elective Joke Can someone help?

[Barra]

Originally Posted by Reefmagnet

We've been insured with pantyarse (good one Monte lol) for a few years now mainly because they're the only ones that would ensure us on a swing mooring north of 26.0 south. Never made a claim (came close!) but have found them very easy to deal with when negotiating the reports they need and some other technicalities. Whilst their PDS certainly became more restrictive once they Au branch set up, they're better than nothing and certainly better than dodgy Northern Reef and the ilk. In fact except for named storm exclusions if on the mooring (and they always send a friendly text message to remind me of this when an approaching storm is coming) I don't think they're worse than anyone else for our purposes. Although I have told a few local boat owning acquaintances who have been unsuccessful in gaining insurance for to give them a try and they have been rejected but to be honest the boats in question where a bit dicey to begin with in some cases.

Sent from my SGP521 using Cruisers Sailing Forum mobile app

So your not worried about lighting strike in FNQ???

Yes they are lovely people to deal with in Sydney no complaints there

[Reefmagnet]

Originally Posted by Barra

So your not worried about lighting strike in FNQ???

Yes they are lovely people to deal with in Sydney no complaints there

I haven't checked tbh, but I didn't notice it in the exclusion list on first reading last renewal. It could be there but fortunately we don't have as much electrical storm activity up this way when compared to down south.

Sent from my SGP521 using Cruisers Sailing Forum mobile app

[Barra]

Originally Posted by Reefmagnet

I haven't checked tbh, but I didn't notice it in the exclusion list on first reading last renewal. It could be there but fortunately we don't have as much electrical storm activity up this way when compared to down south.

Sent from my SGP521 using Cruisers Sailing Forum mobile app

Wow Ive been in some doozies of electrical storms in the whitsundays.... It would be 2nd after storm damage up there for me.

I dont have the policy in front of me but its excluded in a sneaky way ie damage to engines, electrical equipment etc only covered if due to fire or water ingress.

So if your struck by lightning better start a fire! Only kidding Panyyarse if your reading this

[Reefmagnet]

Originally Posted by Barra

Wow Ive been in some doozies of electrical storms in the whitsundays.... It would be 2nd after storm damage up there for me.

I dont have the policy in front of me but its excluded in a sneaky way ie damage to engines, electrical equipment etc only covered if due to fire or water ingress.

So if your struck by lightning better start a fire! Only kidding Panyyarse if your reading this

Didn't say we don't get them, just don't get them as often as say Brisbane and Sydney and usually only over the summer.

But I do see what you mean reading through the list of exclusions

16. Loss or damage to main and auxiliary engines, generators, gear

boxes, electrical and hydraulic equipment, together with their cables

and fittings, unless caused by: collision; grounding/stranding; sinking; fire;

theft; malicious damage; frost/freezing; or accidental incursion of water

to the Vessel, but not, however as a result of water ingress through the

exhaust system of the main engine(s);

but then, in the only direct reference to lightning within general terms and conditions they state this:

9. Trailers & Cradles:

If separately specified with an insured value in the Schedule, this

Insurance covers a trailer or cradle which was manufactured or bought

as suitable for the Vessel and which is owned by the Insured, against

physical loss or damage directly caused by theft, lightning, fire, explosion,

or accident while being towed.

Which makes me think that the exclusion clause #16 might just be saying that they won't cover damage to mechanicals and electricals due to system failures. It would certainly be worth getting a clarification from them I think. Have you done this?

[Barra]

Originally Posted by Reefmagnet

Didn't say we don't get them, just don't get them as often as say Brisbane and Sydney and usually only over the summer.

But I do see what you mean reading through the list of exclusions



but then, in the only direct reference to lightning within general terms and conditions they state this:



Which makes me think that the exclusion clause #16 might just be saying that they won't cover damage to mechanicals and electricals due to system failures. It would certainly be worth getting a clarification from them I think. Have you done this?

Yeah there arent that many lighting storms in greek islands either but boy when one hit the marina we were in last year 5 boats were seriously damaged and not all were covered. Thats what woke me up to this.

Email sent for clarification as Im about to renew in a few weeks but it seems to read pretty clear to me from what you posted. For me though lack of coverage for civil unrest, wars etc is now a consideration too with the boat in Turkey these days

The Aussie Pantyarse PDS excludes all such stuff unlike most other policies (not a problem of course if your in sunny qld though where the only civil unrest i ever saw when living there was when they tried to close fraser island to 4WDs)

[Reefmagnet]

Originally Posted by Barra

Yeah there arent that many lighting storms in greek islands either but boy when one hit the marina we were in last year 5 boats were seriously damaged and not all were covered. Thats what woke me up to this.

Email sent for clarification as Im about to renew in a few weeks but it seems to read pretty clear to me from what you posted. For me though lack of coverage for civil unrest, wars etc is now a consideration too with the boat in Turkey these days

The Aussie Pantyarse PDS excludes all such stuff unlike most other policies (not a problem of course if your in sunny qld though where the only civil unrest i ever saw when living there was when they tried to close fraser island to 4WDs)

I hear what you're saying. Although I've never seen a PDS yet that doesn't exclude war and related acts. As an aside, we used to laugh at our house insurance years ago which included water damage but only if the water came in from above. A consultant advised us to pull a sheet or two of iron off the roof if a storm surge was likely.

[Barra]

Originally Posted by Reefmagnet

I hear what you're saying. Although I've never seen a PDS yet that doesn't exclude war and related acts. As an aside, we used to laugh at our house insurance years ago which included water damage but only if the water came in from above. A consultant advised us to pull a sheet or two of iron off the roof if a storm surge was likely.

Haha yeah I dont know if in QLD of all places the assessors would turn a blind eye to flood damage after the Wivenhoe debacle though.

Ive got the Australian Topsail PDS in front of me now and quite pleasantly -

"War, Strikes, Terrorism and Associated Risks
Where stated in the Schedule attaching to your
insurance policy, your Insurer will cover your vessel
against physical loss or damaged caused by the
following:-
3.1 war, civil war, revolution, rebellion, insurrection or
civil strife arising therefrom, or any hostile act by or
against a belligerent power
3.2 capture, seizure, arrest, restraint or detainment
and the consequences thereof or any attempt
thereat

etc etc

seems to cover lightning too.

[Reefmagnet]

Originally Posted by Barra

Haha yeah I dont know if in QLD of all places the assessors would turn a blind eye to flood damage after the Wivenhoe debacle though.

Ive got the Australian Topsail PDS in front of me now and quite pleasantly -

"War, Strikes, Terrorism and Associated Risks
Where stated in the Schedule attaching to your
insurance policy, your Insurer will cover your vessel
against physical loss or damaged caused by the
following:-
3.1 war, civil war, revolution, rebellion, insurrection or
civil strife arising therefrom, or any hostile act by or
against a belligerent power
3.2 capture, seizure, arrest, restraint or detainment
and the consequences thereof or any attempt
thereat

etc etc

seems to cover lightning too.

Yep, funny aint it. In a land full of nothing but drunks and roos they all exclude war and civil unrest. Personally, I blame Labor for that.

[Barra]

Originally Posted by Reefmagnet

Yep, funny aint it. In a land full of nothing but drunks and roos they all exclude war and civil unrest. Personally, I blame Labor for that.

Mate if you only knew. I dealt with the government back in the pre flood days. It was NOT a natural disaster. Man made all the way. Was in the meetings.

But thats only heresay...

[valhalla360]

Originally Posted by darylat8750

I feel this is a little like the OP walking into a steak house and ordering a hamburger. The restaurant says we used to sell hamburgers but we have decided to only sell steaks now. No need to get upset, just find a burger joint....

More akin to:

You stop at a dinner, they seat you, take your order than the staff disappear for 20min (without bringing you anything to eat or drink).

When they do finally come back, the waiter says he sorry but can't serve you and you have to leave with no explanation of why.

[carstenb]

Originally Posted by AAFMIAMI

that is great! Can I have the name and number for your broker please?

Danish branch of Pantanaenius

Pantaenius forsikring - Alle typer forsikringer til alle bådtyper
telephone country code 45 then 97 513388

[ccannan]

Kenomac: "If you don't like their policy, buy a different one."

Thanks for that really helpful post.

[undercutter]

Originally Posted by Dockhead

They increased my cruising area all the way to Russia, free of charge, and they allow me to single hand.

We moved over to Pantaenius upon arrival in Australia. Do they allow you to single hand after dark as well. In our policy it requires 2 crewmembers on board if sailing after dark although I guess this would still be single handed as 1 would be sleeping.

[monte]

Both policies I've had (pants and topsail) have allowed 24hr single handed sailing. Sleeping crew isn't classed as single handing 🐙

[boatman61]

Originally Posted by monte

Both policies I've had (pants and topsail) have allowed 24hr single handed sailing. Sleeping crew isn't classed as single handing 🐙

Damn that's harsh...!!
You've just disillusioned hundreds of folk out there Monte..