SeaHelp-insured persons are much more than just an anonymous case
The SeaHelp Insurance, an insurance exclusively made for SeaHelp members, has developed over the course of time to become a real insider’s tip for water sportsmen: favourable premiums, quick and unbureaucratic claim management and a dense network of highly qualified contacts make the difference compared with conventional water sports and yacht insurances. But only practice will show what really matters. The friendly and personal commitment of our SeaHelp employees for the insured parties makes the difference when it comes to settling claims in the insured parties’ interest.
Here, we have two examples for the settlement of claims from last year demonstrating that finally it’s not full-bodied advertising promises but personal commitment that distinguishes a good insurance company from a bad one. During a storm, a boat owner’s ship was berthed at the dock, got filled with water and had turned on its side. In order to settle the claim, a SeaHelp consultant evaluated the exact extent of the damage and then sent the damage declaration to the re-insurer. The re-insurer considered, however, that the boat was over-insured, waived objection in compliance with the Insurance Contract Law and was determined to reimburse considerably less. Robert Perger, responsible for claim settlement at SeaHelp Insurance, interceded vehemently and, finally, succeeded in paying the insured party the amount as claimed in the damage declaration.
There was twice an unexpected blessing in disguise for one of our SeaHelp members: first his hull was damaged during casting off when touching the dock, and then, a week later the anchor, as not fixed properly, constantly hit the hull leaving clear marks on the paintwork. A damage declaration was sent to the insurance company but they saw it in a much more differentiated way:
Without hesitation they made two mutually independent claims out of one and entirely refused the settlement of the second claim, as they assumed negligence on the owner’s part due to his not fixing his anchor properly. And again it was time for: Robert Perger, mission impossible! So the bustling SeaHelp employee, as usual, straightened out what the insured party alone would not have been able to manage. Negligence was cleared off and, in addition, for the second claim, the re-insurer even renounced the normally due co-payment. Left behind, remains an ever so satisfied SeaHelp member who most probably will never again forget to properly fix his anchor.
Robert Perger: “With SeaHelp Insurance most of the damages can be avoided prior to their emergence, owed to the quick operation of our SeaHelp staff on site, so there is generally some space in my negotiations with our re-insurers. And this, finally, is for the benefit of our members”.