Contract wrote: I read Lone Star's report as follows 1)   CLUB MARINE cheapest. He went with them 2)   He found himself in need of claiming on his policy. CLUB MARINE "found" an out clause (one which a normal boatie would not even consider a possibility) & he was left up the creek by them. 3)   He was recompensed, not by HIS insurance, but by the applicator / supplier's insurance.   Can't see this as being a tick for CLUB MARINE ........ or for accepting the cheapest quote (for anything !)

I had a similar claim a few years ago, not being repaired but someone transporting my boat damaged it.  My insurance company paid the claim and got my boat repaired, then they chased the other insurance company to recover their loss.  That's how insurance works, so the fact they said they wouldn't pay the claim means just that.  If the insurance company for the people who did the work hadn't paid up Lone Star would have been out of pocket.  Am I the only one who has read their insurance documents this morning to check there isn't a similar clause in there?

Contract wrote: I read Lone Star's report as follows 1)   CLUB MARINE cheapest. He went with them 2)   He found himself in need of claiming on his policy. CLUB MARINE "found" an out clause (one which a normal boatie would not even consider a possibility) & he was left up the creek by them. 3)   He was recompensed, not by HIS insurance, but by the applicator / supplier's insurance.   Can't see this as being a tick for CLUB MARINE ........ or for accepting the cheapest quote (for anything !)

I doubt any insurance company would pay out in that circumstance. The material cause was the applicator supplier and that is the person to go after.

we have also signed up with Baileys - great old school personal service and the even gave us some pretty cool custom embroided beanies ...