Hejka,
wykupiłem ubezpieczenie kaucji ( BOND INSURANCE PLUS za 118 EUR) w Panteusie.
Jak komuś chce się czytać to strona 6 załączonego dokumentu (CONDITIONS FOR BOND INSURANCE & BOND INSURANCE PLUS).
Generalnie za straty do 100 EUR płacimy sami, wszystko ponadto Panteus zwraca na podstawie rachunków (a przynajmniej ja to tak rozumiem).
Oczywiście nie pokrywają kary za spóźnienie w zdawaniu jachtu i związane z tym straty armatora. To (jak i wiele innych rzeczy) można ubezpieczyć osobno, ale nie jestem pewien czy warto.
http://nauticanord.pl/ubezpieczenia/ube ... ie-kaucji/PS Nie umiem zamieścić załącznika więc kopiuje poniżej:
CONDITIONS FOR BOND INSURANCE & BOND
INSURANCE PLUS
Risk carrier: KRAVAG-Logistic Versicherungs-AG
Heidenkampsweg 102, 20097 Hamburg
§1 Scope of the insurance
Cover exists for the partial or full retention of the bond agreed in the charter
contract for any loss occurring during the charter journey up to the agreed
sum insured.
§2 Exclusions
The following are not insured:
1. Losses which are deliberately caused by the Policyholder. If the Policyholder
causes the insured event grossly negligently, the Insurer shall be entitled to reduce
its benefit in proportion to the severity of his negligence;
2. Losses caused by war, civil war or warlike activities, political or terrorist violence,
civil disturbances, strike, lockout, seizure, interventions by higher authorities and
atomic energy and radioactivity;
3. Losses which occur during a charter journey which involve the Policyholder
or the crew using the boat for commercial purposes or for the purpose of
obtaining remuneration in any other way unless this has been separately agreed.
§3 Excess
1. The excess is EUR 100.00 and applies for each event of loss to the yacht. It
shall not be incurred if the loss exceeds this sum.
2. For losses which occur during a regatta or training for a regatta, the excess shall
be 50% of the retained bond, up to a maximum of 50% of the agreed sum insured.
§4 Obligations in the event of loss
In the event of loss, the following must be submitted without delay:
1. the charter contract;
2. evidence of the bond paid (credit card receipt, sales voucher)
3. detailed statement of costs from the charter company (invoice, cost
estimate)
4. detailed description of the loss and claim form signed by the skipper and
the crew as well as detailed photographs.
§5 General
1. The objection of underinsurance is excluded.
2. Upon payment of the indemnity, the rights of the Policyholder in connection
with the loss are subrogated to KRAVAG-Logistic Vers. AG, represented by
Pantaenius GmbH.