Welcome to Caribbean Marine Surveyors Ltd
Located in beautiful Tortola British Virgin Islands
Located in beautiful Tortola British Virgin Islands
Making an Insurance Claim Page 1 click HERE to go to page 2
You have just found that you have a situation where you will be making an insurance claim. The following are some guidelines which you may find helpful.
YOU THE INSURED
Immediately following loss or damage to your vessel or injury to personnel:
*You should not admit liability or assume any obligation.
*You must take reasonable steps to safeguard your property.
* You should always act as if you are not insured. Do not assume that your insurance will apply to this loss, you may not be covered under your policy.
* You should make an aural report to your insurers as soon as possible followed by a written statement. Your Insurers will relay your report to the Underwriters concerned. The written statement is called a "Masters Protest".
You have just found that you have a situation where you will be making an insurance claim. The following are some guidelines which you may find helpful.
YOU THE INSURED
Immediately following loss or damage to your vessel or injury to personnel:
*You should not admit liability or assume any obligation.
*You must take reasonable steps to safeguard your property.
* You should always act as if you are not insured. Do not assume that your insurance will apply to this loss, you may not be covered under your policy.
* You should make an aural report to your insurers as soon as possible followed by a written statement. Your Insurers will relay your report to the Underwriters concerned. The written statement is called a "Masters Protest".
2. To make an assessment of the incident and to determine the cause of the damage or the cause of the accident.
3. To make a list of the damages together with recommendations for repairs. This list is copied to you to help you as a guide to the repairs for damages resulting from this loss.
4. To review the estimates for the repairs and to discuss with you and the Repair Contractors any estimates that appear unreasonably high or unreasonably low. It is the Surveyor's role to attempt to have the damages repaired to the pre accident condition.
5. Once all the estimates have been reviewed and appear to be satisfactory, the Surveyor reports the facts to the Underwriters.
6. If more damages are found during the repairs, it is YOUR responsibility to inform the Surveyor so that he can confirm to Underwriters that these damages were part of this loss.
7. When the repairs have been completed, the Surveyor will review all the invoices and confirm to Underwriters that the bills are "fair and reasonable" to repair the damages resulting from this loss.
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3. To make a list of the damages together with recommendations for repairs. This list is copied to you to help you as a guide to the repairs for damages resulting from this loss.
4. To review the estimates for the repairs and to discuss with you and the Repair Contractors any estimates that appear unreasonably high or unreasonably low. It is the Surveyor's role to attempt to have the damages repaired to the pre accident condition.
5. Once all the estimates have been reviewed and appear to be satisfactory, the Surveyor reports the facts to the Underwriters.
6. If more damages are found during the repairs, it is YOUR responsibility to inform the Surveyor so that he can confirm to Underwriters that these damages were part of this loss.
7. When the repairs have been completed, the Surveyor will review all the invoices and confirm to Underwriters that the bills are "fair and reasonable" to repair the damages resulting from this loss.
Click Here to go to Page 2
MASTERS PROTEST
Should include:
1. Exactly where, when and how the incident occurred
2. Detailed description of damages to property or injury to persons
3. Names and addresses of witnesses
The underwriters or your insurance company will then appoint a Marine Surveyor to act as their representative "without prejudice", that is on an impartial basis. The timescale of the appointment of the Surveyor varies from hours to weeks after the loss and is dependant on a variety of factors. These factors include the timing of communications, urgency of the problem and availability of Surveyors.
IF YOUR CLAIM IS FOR THEFT OR VANDALISM
You must notify the local police and obtain a copy of the police report. You should take measures to prevent further loss or damages, including replacement of locks etc.
IF YOUR CLAIM IS FOR INJURY OR COLLISION
You must notify the Coast Guard or Marine Polcie or Police and obtain a copy of their report.
IF YOUR CLAIM IS FOR STRANDING, DISMASTING, ETC
It is your responsibility to make your best efforts to organise salvage, towage, emergency repairs or whatever is required to mininmise the damages to your vessel. If a Surveyor has been appointed, he will usually try to work with the Salvor and yourself, to advise on the best way of actually carrying out the salvage. However what acturally happens to your vessel is your decision.
THE ROLE OF THE SURVEYOR
The Surveyor is employed by the Underwriter to act on an inpartial basis as follows:.
Should include:
1. Exactly where, when and how the incident occurred
2. Detailed description of damages to property or injury to persons
3. Names and addresses of witnesses
The underwriters or your insurance company will then appoint a Marine Surveyor to act as their representative "without prejudice", that is on an impartial basis. The timescale of the appointment of the Surveyor varies from hours to weeks after the loss and is dependant on a variety of factors. These factors include the timing of communications, urgency of the problem and availability of Surveyors.
IF YOUR CLAIM IS FOR THEFT OR VANDALISM
You must notify the local police and obtain a copy of the police report. You should take measures to prevent further loss or damages, including replacement of locks etc.
IF YOUR CLAIM IS FOR INJURY OR COLLISION
You must notify the Coast Guard or Marine Polcie or Police and obtain a copy of their report.
IF YOUR CLAIM IS FOR STRANDING, DISMASTING, ETC
It is your responsibility to make your best efforts to organise salvage, towage, emergency repairs or whatever is required to mininmise the damages to your vessel. If a Surveyor has been appointed, he will usually try to work with the Salvor and yourself, to advise on the best way of actually carrying out the salvage. However what acturally happens to your vessel is your decision.
THE ROLE OF THE SURVEYOR
The Surveyor is employed by the Underwriter to act on an inpartial basis as follows:.
Tel (1)284 494 2091 Fax (1) 284 494 2092 email info@caribbeanmarinesurveyors.com
Box 281 Road Town, Tortola, British Virgin Islands
Box 281 Road Town, Tortola, British Virgin Islands
Tel (1)284 494 2091 Fax (1) 284 494 2092 Cell (1) 284 499 8105 email info@caribsurveyors.com
Box 281 Road Town, Tortola, British Virgin Islands
Box 281 Road Town, Tortola, British Virgin Islands
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