motorni napisal/-a:Pa kasko krije dvig potopljenega plovila? So kakšne omejitve, če se ti to zgodi ob napovedanih 50 vozlih vetra? Se mi zdi, če ti bodo barko vlekli ven iz kakšnih 40m, da bo to konkretno dražje kot je 30 let stara 10m barka.
Sem pogledal v svoje pogoje (Pantaenius kasko, dogovorjena vrednost plovila 28.5k €, letna premija 467,5 €, odbitna franšiza (znesek) 750 €):
Hull Insurance:
• The policy is based on an ‘Agreed Fixed Value’ – payable in the event of Total Loss – which is valid for the whole period of insurance.
• In the event of a partial loss or damage, the damaged or stolen parts will be settled on the basis of the necessary costs of repair or replacement without any deduction 'new for old'.
• Wreck removal and disposal costs are paid in full.
• There is no deductible on claims due to fire or lightning.
Insurance Cover
The insurance covers loss of or damage to the vessel designated in the policy, her components and equipment, including machinery and dinghies, fixtures and fittings, accessories and personal effects. The loss of or the damage to the insured property should occur from insured risks stated in the Pantaenius Yacht Hull Clauses.
Sum Insured = "Agreed Fixed Value"
Cruising Area
European rivers and inland waters. European coastal waters up to 200 nm off the coast, excluding waters North of Bergen/Wick.
Sum Insured
The Insured Property includes the vessel designated in the policy, her components and equipment, including machinery and dinghies, fixtures and fittings, accessories and personal effects which are insured for the stated insured risks
Outboard Motor
For Motorboats please state a separate sum insured for the outboard motor, if it is the main engine. An additional outboard motor (e. g. spare engines or used with the dinghy) belongs to the equipment and should be therefore added to the sum insured for the yacht.
Personal Effects
Personal Effects are personal belongings that are neither equipment nor inventory of the yacht – e. g. street wear, sunglasses, diving- and fishingequipment. Personal Effects are automatically insured up to the amount of 2% of the sum insured, max. € 3.000,00.
Transports
According to the conditions all river and ferry transports are insured within the cruising area stated in the policy without additional premium.
Lending out
If you lend your yacht to your family or friends free of charge, this is included within the scope of cover. No additional premium applies.
Salvage
Salvage and wreck removal costs are covered in full according to the conditions even if the costs exceed the sum insured stated in the policy.
