CMB Wing Lung Insurance Coverage Policy For Moorings

28 Jan 2021 06:13 | The Chair (Administrator)

HKBIA would like to bring to the attention of members, who have pleasure vessels insured with CMB Wing Lung Insurance Company Limited, a situation which may affect the insurance coverage.

The situation occurred in early 2020 when an open speed boat was stolen from a mooring in Tai Tam Bay. The craft was tied up to its mooring buoy with two rope mooring lines, as all our members craft on swing moorings are, when the complete boat was stolen.

The owner has had his insurance claim for the theft of the speed boat rejected by the CMB Wing Lung Insurance Company Limited. In the letter to the owner from CMB Wing Lung Insurance Company Limited they state that;

The CMB Wing Lung Insurance Company Limited wish to clarify that the reference to “Securely moored” in the Policy Schedule not only appears in Warranty 8. “Typhoon Warranty (Signal No, #) (Or upwards) but also in Warranty 7. “Mooring Warranty”, which stipulates “It is warranted that, whenever not is use, the insured vessel shall be securely moored at the mooring place specified in the Schedule and all equipment, loose gear or sails, if any, shall be safely kept in a secure place.” The insured vessel should at all times be securely moored when not in use. With respect, to moor a boat to a buoy using rope is just a normal method of attachment. As mentioned the police recommend pleasure craft owner to install suitable alarm system on board and secure the craft with stronger steel chain or anchor to prevent theft. Since you had not taken any of the aforementioned measures, we fail to see the insured craft was securely moored at the time of the loss.


香港遊艇工業總會敬請各會員注意
如經招商局永隆保險有限公司購買船艇保險時有一潛在的情況(例:船艇被盜竊)因未能納入保險單的受保範籌而不獲賠償.

事發於2020年初船東採用跟一般傳統方式用雨絛繩纜將船繫於碇泊泡把一艘掛有舷外機之快艇於港島大潭灣碇泊泡後被盜走。

船東向該保險公司要求賠償但不被接納以下是招商局永隆保險有限公司回覆船東的信中表述拒絕索償之理據:

招商局永隆保險有限公司於保險單中的附錄表已載 “船隻安全係泊浮泡” 指引不但在保險賠償條款8中提及, “颱風保險(颱風訊號#)  (或以上同時亦在保險賠償條款7 “碇泊泡保險賠償” 中列明 “受保船艇在任何非使用時都需牢固繫於指定碇泊地方及所有船上用品不穩固安裝之工具, 船帆及其它物件存放於安全地方”. 受保船艇如非使用必需全時間安全碇泊. 關於只將船艇用繩纜繫於碇泊泡為一般做法依據條款說明香港警方建議遊艇東主於船上安裝適當防盜警報系統及使用鋼鏈將船艇下錨以防盜走由於 閣下沒有依從指引規定本司看不到當該艇被盜走時船東己做妥防盜措施.

The reference to the Police leaflet made by the CMB Wing Lung Insurance Company Limited is copied below;

招商局永隆保險有限公司所提供警方船艇防盜單張如下: 

  

In effect the CMB Wing Lung Insurance Company Limited will not pay the claim for the stolen speed boat as the boat was not fitted with an alarm and it was not secured to the mooring with a stronger steel chain or anchor. 

Using the worldwide method of tying the boat up to the mooring buoy with mooring ropes appears to be not considered by the CMB Wing Lung Insurance Company Limited as a secure method of mooring to a mooring buoy.

The HKBIA therefore advises all members with insurance coverage with the CMB Wing Lung Insurance Company Limited to check with the company whether the members craft is insured when tied up with rope mooring lines to a club mooring buoy.


實際效應是招商局永隆保險有限公司拒絕盜竊賠償, 皆因該遊艇沒防盜裝置及沒有使用鋼鏈繫於碇泊處或下錨.

招商局永隆保險有限公司不接納國際廣泛使用之繩纜繫泊方式為有效及安全.

因此香港遊艇工業總會建議所有會員如經招商局永隆保險有限公司購買船艇保險時, 應先檢視「用繩纜將船艇繫於認可遊艇會碇泊泡上」是否被納入保單受保的範圍, 方承諾投保。



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