Trip Insurance

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bl6394

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Question about trip insurance on a charter / liveaboard:

I booked a charter to wreck off of the Eastern coast of the US. Charter is a liveaboard. Wreck is about 90 miles offshore. Charter was for 2.5 days - with up to five opportunities to dive (morning one, afternoon one, morning two, afternoon two, morning three) - seas and currents permitting. Charter organizer required I get trip insurance - which I did (Travel Guard).

When the departure time approached (11PM before day one) - the captain advised that weather was unfavorable - so we spent day one of the charter in port hoping for improved weather. On the afternoon of day one - the captain advised weather required the cancellation of the trip. Later that evening - the captain rescinded the cancellation and advised an attempt would be made. We actually left on the morning of day two - at 6AM. 10 hours later - on the afternoon of day two - we arrived at site (about 4PM).

We remained on site until approximately 7PM in what appeared to be dive-able conditions. (In all fairness - I'm a diver - not a boat captain - so take my assessment with a grain of salt.) The pool was never opened - and at 7PM - the captain advised that because of weather (heavy seas) we were returning to port. He cut the mooring line - and turned towards shore. 12 hours later we were back on shore. A $1750, 2.5 day charter - delivered 3 hours on site - and 22 hours of boat ride...

I'd like to file a claim against the trip insurance policy for trip interruption - citing weather. Is this unreasonable?

It seems that the charter operation is reluctant to document their execution / cancellation of this charter - something I require for the claim. Why would that be?

I appreciate any insights the board has to offer.

Regards,
 

Duncan123

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I would certainly call Travel Guard's claim dept. and see if you can file a claim, they may or may not agree that you have coverage.
 

bl6394

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Travel Guard said I do have a claim for trip interruption based upon weather. They want the proof of cancellation / a statement from the Charter operator.

The charter is not being forthcoming with a statement. They said they would get back to me Aug 3 - then no response. I followed up with an email the next day - still no response from the Charter Captain or the Charter organizer (also a captain on the boat).

Would like to keep it friendly. But for $1750 - it's worth my time/energy to be persistent.

Thanks,
 

drbill

The Lorax for the Kelp Forest
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Don't understand why the charter operator would not provide documentation... a bit suspect IMHO
 
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