Small boats Insurance Surveyors.

Yacht or small craft insurance surveyors often have different skills from those who carry out surveys of large commercial vessels underwriters. They tend to fall into three general categories.

Insurance surveyors-primary discipline

In the first, the primary discipline is often that of a time served apprentice in a building of the court wooden boats (a qualified shipwright), a GRP boat manufacturer, a manufacturer of steel or alloy yachts and boats work or engineer. Many have experience in yacht design and some members of the Royal Institution of Naval Architects.

Surveyors with these skills often wear surveys damage to both pleasure craft and small commercial - typically yachts, small ferries, tugs, work boats of the harbor and fishing boats.

They conduct an injury inquiry, recommend repairs and consider their probable cost, general information about the cause and nature of the accident, then report to subscribers. Their skills are mainly in understanding the appearance damage and repair of a claim.

insurance surveyors-second category

The second category consists of yacht surveyors who have often had a long association with the sea and marine operations, but also have some knowledge of the small boat building. They often possess marine insurance and some legal knowledge also.

Experience small boats will often be of a more general nature, enough for most purposes, but perhaps below where widespread damage requiring complex repairs is involved. These investigators generally lack the technical expertise and experience of the expert trained in small boat building.

A third category of "surveyors" was created to meet a need because the boats and small yachts today are often found on inland waters, rivers, lakes and reservoirs, well away from the coast where traditional surveyors are most often to be found.

It includes experts in non-marine claims that, with some exceptions are normally largely concerned with insurance claims on a motor vehicle, fire, taking home burglary and losses.

Yacht survey procedures:

Also a first similarity between the surveys of large commercial vessels and those on small commercial vessels and pleasure yacht, there is a clear difference in how these two types of surveys are processed.

Yacht survey procedures-In surveys

In surveys of large commercial vessels, the insured has a present technical representative, usually a superintendent or an expert appointed by him, who can easily discuss the damage and recommended repairs with the expert of the insurer.

They speak the same language, so technically both owner and insurer have representation roughly equal.

This does not then where smaller boats are concerned, especially those involving pleasure craft, the owner usually represent himself and rarely has a technical representative available unless the yacht is very large.

Yacht survey procedures- Da and Ra Relationship

In this case, where there is usually something of a Da and Ra relationship between the insured and the insurer, the situation requires particular attention.

Although the expert in this case is always designated by the subscriber and is expected to consider and take care of his interests, concern for the inequality between the parties usually receives attention with the insurer requires the surveyor to make assistance to also insured.

One area where the assistance is most apparent concerns that determine the cause of the accident.

As will be explained below under "Reports", a surveyor reports on a major commercial shipping accident is often intended to omit its opinion on the cause of damage by his report.

With the smaller craft, conclusions and opinions as to the cause of the yacht surveyor is usually transmitted to the insured as well as the subscriber and is included in the report. It provides the basis on which the owner can make his claim under the policy.

In addition, expenses incurred by the expert keeping all consultants who may also be needed to help determine the cause, namely metallurgists, are also frequently met in full by the subscriber, even if no request is deemed payable under the policy.

If, as is often the case, the insured is familiar with how to go about organizing repairs, another way is usually expected to help the surveyor is to find a suitable repairer.

For other repairs surveyor will likely establish a repair schedule and on behalf of both parties, discuss the work with the repairer.

Thus, the expert appointed by the applicant but acting independently and impartially, should give part of the advantage of his talent with service to the insured as well.

The surveyor must ensure that, taking an active part in providing assistance, it is not seen as the management part of the responsibility of the insured.