📄 Extracted Text (5,395 words)
From: Dave Johnson <
Sent: Monday, December 19, 2016 4:03 PM
To: Allan Wilson
Cc: Myla Baker US
Subject: Re: Te Manu - Myla Trestiza - 16/237
Hi Allan,
Good to hear from you, I hope all'= well in Yorkshire & Te Manu made it safely across to the Caribbean =nbsp;
I received conformation from Myla that =he insurance form was completed & signed by her immediately prior =o
disembarking from Te Manu (Barcelona) in September 2016
The completed forms were =igned & given to Capt James to scan & forward via email to =YM
Myla =eceived assurance from Capt. J that the documents would be forwarded to =YM but she never received a copy of
the email confirming that the =ompleted documents were sent.
Please check with Capt James & =pdate Myla when the documents have been received.
DAVE JOHNSON
email: apialoggionias
On Dec 19, 2016, at 8:51 AM, Allan Wilson <[email protected]> wrote:
Best Regards
Allan Wilson
Wilson Yacht =anagement &nbs=; =nbsp; &n=sp;
&nb=p; = &=bsp;
UK Office
Tel: +44 (0)1482 648322
Fax: +44 (0)1482 648277
E Fax +44 (0) 8701 358555
Gsm: +44 (0)7802 684438
USA =ffice &n=sp; &nbs=;
Tel: +1 954 =24 9030
E fax +1 =75 806 9725
EFTA_R1_00156836
EFTA01808093
USA Cell +1954 235 =377
Email: [email protected]
Web: www.wilsonyachtmanagement.com <http://www.wilsonyachtmanagement.com/>
<image001.jpg>
UK Office 116/18a Hull Road I Hessle I East Yorkshire I HU13 =AH
USA Office I 2019 SW 20 Street I Suite 105 I Fort =auderdale I Florida 3331
cimage002.png> <https://twitter.com/wymnews> <image003.png> <image004.png>
Copyright © =ilson Yacht Management
CONFIDENTIALITY NOTICE: This email (including all =ttachments) is for the intended recipient only and may
contain =onfidential information, some of which my be privileged. Please be =dvised that any disclosure, copying,
distribution or use of any part of =he information contained is prohibited. If you received this email in =rror, please
destroy the original email and its attachment and notify =e immediately. Thank you
From: Allan Wilson
Sent: 19 =ecember 2016 13:50
To: 'M la Trestiza' ; =hili bake
Cc:
Subjec e • anu a res iza =
Hi Myla
Please see below email from the =nsurance company regarding the claim and payment for the treatment you
=eceived in order for the insurance to pay the outstanding invoice =irect please read the email and complete the
attached form as requested =
Many =hanks
Best Regards
Allan Wilson
Wilson Yacht =anagement &nbs=; =nbsp; &n=sp;
&nb=p; &=bsp;
UK Office
Tel: +44 (0)1482 648322
Fax: +44(0)1482 648277
E Fax +44 (0) 8701 358555
Gsm: +44 (0)7802 684438
USA =ffice &n=sp; &nbs=;
Tel: +1 954 =24 9030
E fax +1 =75 806 9725
USA Cell +1954 235 =377
Email: [email protected]
Web: www.wilsonyachtmanagement.com <http://www.wilsonyachtmanagement.com/>
<image007.jpg>
UK Office I 16/18a Hull Road I Hessle I East Yorkshire HU13 =AH
USA Office I 2019 SW 20 Street I Suite 105 I Fort =auderdale I Florida 3331
<image008.png> <https://twitter.com/wymnews> <image009.png> <image010.png>
Copyright © =ilson Yacht Management
2
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EFTA01808094
CONFIDENTIALITY NOTICE: This email (including all =ttachments) is for the intended recipient only and may
contain =onfidential information, some of which my be privileged. Please be =dvised that any disclosure, copying,
distribution or use of any part of =he information contained is prohibited. If you received this email in =rror, please
destroy the original email and its attachment and notify =e immediately. Thank you
From: Clementine Kingstone
Sent: 14 =ecember 2016 19:09
To: Allan Wilson <[email protected]>
Cc: Burr =aylor <[email protected] <mailto:[email protected]»
Subject: RE: Te Manu - Myla Trestiza = 16/237
Dear Allan
Following =n from my email below, I have now received confirmation from CEGA that =he Makati Medical
Centre is chasing for payment of an outstanding =nvoice totalling PHP 121,972.73. I understand that the clinic are now
=hasing frequently for payment and therefore insurers are being pressed =or settlement as soon as possible. I
understand that Myla has herself =ncurred some expenses directly and also covered some costs incurred at =his clinic,
but the majority of the treatment costs at this clinic =emain unpaid.
I understand from CEGA that there is mention of treatment =ithin the outstanding invoice for a condition which
is possibly not =elated to the subject matter of this claim. CEGA have been trying to =btain further information from
Myla directly to assess cover for this =dditional treatment but regrettably, I understand that information has =ot been
forthcoming. Unless Myla can provide the additional information =o CEGA that is requested, it is likely that the costs
associated for =his additional condition, totalling PHP 7,245.00 will not be able to be =onsidered by insurers and will
therefore be for the Insured's / =yla's account.
With this in mind, if the Insured would like the outstanding =linic costs to be settled directly by Insurers as part
of this claim, I =ould be most grateful if you could please urgently arrange for the =nsured to completed and return the
attached claim form. Unfortunately, =nderwriters cannot process any settlement under the policy until a =ompleted
claim form has been received. I would also be most grateful if =yla could please respond to CEGA with the additional
information =equested by them so that the secondary treatment can be assessed.
If Myla / =he Insured have incurred additional medical expenses that they would =ike to submit for
consideration, I look forward to receiving copies of =he expenses including the original invoices detailing the treatment
in =uestion, in due course. Please note that the claim will be subject =nbsp;to the policy excess of the first USD 200.00.
Conversely,=if the Insured no longer wish to pursue this matter as a claim under =he policy, please advise and I
can arrange for the outstanding clinic =nvoice to be forwarded for the Insured to settle directly.
I trust =hat you find this to be in order and await your advices as to how you =ish to proceed.
Kind regards
Clem
Clementine Kingstone ACII
Claims Handler
Sturge=Taylor & Associates Ltd
Notebeme =ouse, 84 High St, Southampton, 5O14 2NT, United Kingdom
Te
3
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Fax + 44 2380 051381
<image011.jpg>
IMPORTANT NOTICE -THE (UK) INSURANCE ACT 2015
On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the
following =hanger that we are highlighting to all of our clients.
The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance
requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as
failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair
presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een
underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your
Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements.
Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in
order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to
those previously =n place:
Duty =f Disclosure
You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every
material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc
) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is
renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence
the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in
any doubt whether a circumstance is material =e recommend that it should be disclosed.
Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts
represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to
impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that
non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the policy from =nception and retain the
premium paid. This would result in any claims =nder the policy not being paid.
Conditions Precedent
You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition
precedent to the validity of this policy or =0 the commencement of the risk is not complied with, the insurer will =ot
come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may
not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and
without reference to the words =E240.condition precedent'.
It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are
unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately.
Contracting Out
Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this
effects the =nsurances we have placed for you we will advise you accordingly.
We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if
not attached to this email it is available =n request. If you would like further information please contact =s and we will
endeavour to help.
Registered =ffice: Sturge Taylor & Associates Ltd.,
Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire 5O14 3TY
4
EFTA_R1_00156839
EFTA01808096
Registered in England No. =706480
Authorised and =egulated by the Financial Conduct Authority
www.sturgeyachts.com
IMPORTANT: This =-mail (including all attachments) is confidential and may be =rivileged. It may be read, copied
and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If
you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and
=o not disclose its contents to any other person.
We operate anti-virus programmes but you must take full =esponsibility for virus checking.
From: Clementine Kingstone
Sent: 07 =ecember 2016 16:53
To: 'Allan Wilson' <[email protected]>
Cc: Burr =aylor <[email protected] <mailto:[email protected]»
Subject: RE: Te Manu - Myla Trestiza = 16/237
Dear Allan
I hope =hat you are well.
I refer =o the above claim and note that we have not yet received the completed =laim form and supporting
expenses that the Insured wish to submit for =onsideration. I would therefore be most grateful if you could please
=rrange for the attached claim form to be completed and returned as soon =s practicable, along with any supporting
receipted accounts =ncurred.
I understand that the treating hospital in the Philippines is =hasing for payment of an outstanding invoice for
treatment which we are =urrently looking into with CEGA and will revert with further details as =oon as practicable. If
the invoice is correctly outstanding and the =nsured would like this invoice to be settled directly be insurers, then
=nderwriters will require sight of the completed claim form before any =ayment can be arranged.
I now look forward to hearing from you.
Kind =egards
Clem
Clementine Kingstone ACII
Claims Handler
Sturge=Taylor & Associates Ltd
Notebeme =ouse 84 High St, Southampton, 5O14 2NT, United Kingdom
Tel
Fax + 44 2380 051381
<image011.jpg>
IMPORTANT NOTICE -THE (UK) INSURANCE ACT 2015
5
EFTA_R1_00156840
EFTA01808097
On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the
following =hanges that we are highlighting to all of our clients.
The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance
requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as
failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair
presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een
underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your
Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements.
Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in
order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to
those previously =n place:
Duty =f Disclosure
You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every
material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc
) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is
renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence
the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in
any doubt whether a circumstance is material =e recommend that it should be disclosed.
Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts
represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to
impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that
non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the policy from =nception and retain the
premium paid. This would result in any claims =nder the policy not being paid.
Conditions Precedent
You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition
precedent to the validity of this policy or =o the commencement of the risk is not complied with, the insurer will =ot
come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may
not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and
without reference to the words =E244condition precedent'.
It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are
unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately.
Contracting Out
Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this
effects the =nsurances we have placed for you we will advise you accordingly.
We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if
not attached to this email it is available =n request. If you would like further information please contact =s and we will
endeavour to help.
Registered =ffice: Sturge Taylor & Associates Ltd.,
Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire 5O14 3TY
Registered in England No. =706480
Authorised and =egulated by the Financial Conduct Authority
www.sturgeyachts.com
IMPORTANT: This =-mail (including all attachments) is confidential and may be =rivileged. It may be read, copied
and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If
6
EFTA_R1_00156841
EFTA01808098
you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and
=o not disclose its contents to any other person.
We operate anti-virus programmes but you must take full =esponsibility for virus checking.
From: Clementine Kingstone
Sent: 26 =ctober 2016 15:47
To: Allan Wilson <[email protected]>
Cc: Burr =aylor <[email protected] <mailto:[email protected]»
Subject: RE: Te Manu - Myla Trestiza = 16/237
Dear Allan
I refer =o my emails below and look forward to receiving the supporting claims =ocumentation in due course in
order that I can proceed towards =inalising this claim.
Kind regards
Clem
Clementine Kingstone ACII
Claims Handler
Sturge=Taylor & Associates Ltd
Notebeme =ouse, 84 High St, Southampton, 5O14 2NT, United Kingdom
Tel = 44 2380 213868
Fax + 44 2380 051381
<image011.jpg>
IMPORTANT NOTICE -THE (UK) INSURANCE ACT 2015
On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the
following =hanges that we are highlighting to all of our clients.
The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance
requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as
failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair
presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een
underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your
Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements.
Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in
order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to
those previously =n place:
Duty =f Disclosure
You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every
material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc
) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is
renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence
7
EFTA_R1_00156842
EFTA01808099
the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in
any doubt whether a circumstance is material =e recommend that it should be disclosed.
Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts
represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to
impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that
non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the polity from =nception and retain the
premium paid. This would result in any claims =nder the policy not being paid.
Conditions Precedent
You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition
precedent to the validity of this policy or =o the commencement of the risk is not complied with, the insurer will =ot
come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may
not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and
without reference to the words =E24>Qcondition precedent'.
It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are
unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately.
Contracting Out
Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this
effects the =nsurances we have placed for you we will advise you accordingly.
We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if
not attached to this email it is available =n request. If you would like further information please contact =s and we will
endeavour to help.
Registered =ffice: Sturge Taylor & Associates Ltd.,
Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire 5O14 3TY
Registered in England No. =706480
Authorised and =egulated by the Financial Conduct Authority
www.sturgeyachts.com
IMPORTANT: This "...mail (including all attachments) is confidential and may be =rivileged. It may be read, copied
and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If
you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and
=o not disclose its contents to any other person.
We operate anti-virus programmes but you must take full =esponsibility for virus checking.
From: Clementine Kingstone
Sent: 12 =ctober 2016 09:31
To: 'Allan Wilson' <[email protected]>
Cc: Burr =aylor <[email protected] <mailto:[email protected]»
Subject: RE: Te Manu - Myla Trestiza = 16/237
Dear Allan
I refer =o your email of 16th September 2016 below and =ook forward to receiving the supporting claims
documentation in due =ourse.
Kind regards
8
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Clem
Clementine Kingstone ACII
Claims Handler
Sturge=Taylor & Associates Ltd
Notebeme =ouse, 84 High St, Southampton, 5O14 2NT, United Kingdom
Tel = 44 2380 213868
Fax + 44 2380 051381
<image011.jpg>
IMPORTANT NOTICE -THE (UK) INSURANCE ACT 2015
On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the
following =hanger that we are highlighting to all of our clients.
The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance
requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as
failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair
presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een
underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your
Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements.
Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in
order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to
those previously =n place:
Duty =f Disclosure
You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every
material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc
) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is
renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence
the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in
any doubt whether a circumstance is material =e recommend that it should be disclosed.
Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts
represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to
impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that
non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the policy from =nception and retain the
premium paid. This would result in any claims =nder the policy not being paid.
Conditions Precedent
You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition
precedent to the validity of this policy or =o the commencement of the risk is not complied with, the insurer will =ot
come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may
not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and
without reference to the words =E244condition precedent'.
It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are
unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately.
Contracting Out
9
EFTA_R1_00156844
EFTA01808101
Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this
effects the =nsurances we have placed for you we will advise you accordingly.
We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if
not attached to this email it is available =n request. If you would like further information please contact =s and we will
endeavour to help.
Registered =ffice: Sturge Taylor & Associates Ltd.,
Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire 5014 3TY
Registered in England No. =706480
Authorised and =egulated by the Financial Conduct Authority
www.sturgeyachts.com
IMPORTANT: This It-mail (including all attachments) is confidential and may be =rivileged. It may be read, copied
and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If
you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and
=o not disclose its contents to any other person.
We operate anti-virus programmes but you must take full =esponsibility for virus checking.
From: Allan Wilson Imailto:[email protected]]
Sent: 16 =eptember 2016 09:21
To: Clementine Kingstone <[email protected]>
Cc: Burr =aylor <[email protected] <mailto:[email protected]»
Subject: RE: Te Manu - Myla Trestiza = 16/237
Hi Clem
I will be back in the office next week and will try =nd get this sorted
Best Regards
Allan Wilson
Wilson Yacht =anagement &nbs=; =nbsp; &n=sp;
&nb=p; &=bsp;
UK Office
Tel: +44 (0)1482 648322
Fax: +44 (0)1482 648277
E=Fax +44 (0) 8701 358555
Gsm: +44 (0)7802 =84438
USA =ffice &n=sp; &nbs=;
Tel: =1 954 524 9030
E fax +1 775 806 =725
USA Cell +1954 235 =377
Email: [email protected]
Web: www.wilsonyachtmanagement.com <http://www.wilsonyachtmanagement.com/>
<image012.jpg>
UK Office 16/18a Hull Road I Hessle East Yorkshire = HU13 OAH
USA Office 12019 SW 20 Street I Suite 105 Fort =auderdale I Florida 3331
10
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cimage008.png> <image009.png> <image010.png>
Copyright =C2* Wilson Yacht Management
CONFIDENTIALITY NOTICE: This =mail (including all attachments) is for the intended recipient only and =ay
contain confidential information, some of which my be privileged. =lease be advised that any disclosure, copying,
distribution or use of =ny part of the information contained is prohibited. If you received =his email in error, please
destroy the original email and its =ttachment and notify me immediately. Thank you
From: Clementine Kingstone [mailto:[email protected]]
Sent: 15 =eptember 2016 17:01
To: Allan Wilson <[email protected]>
Cc: Burr =aylor
Subject: Te Manu • y a restiza • =
Dear Allan
I refer =o the above claim and understand from Underwriters medical assistance =ompany, CEGA that Myla
resumed her duties on 23rd July=2016.
I therefore look forward to receiving the completed claim =orm, supporting documentation and any costs
incurred by the Insured, in =rder that I can proceed towards finalising this claim with insurers on =he Insured's behalf.
Kind regards
Clem
Clementine Kingstone ACII
Claims Handler
Sturge=Taylor & Associates Ltd
Notebeme =ouse, 84 High St, Southampton, 5O14 2NT, United Kingdom
Tel =
Fax + 44 2380 051381
<image013.jpg>
<image014.jpg>
IMPORTANT NOTICE -THE (UK) INSURANCE ACT 2015
On the 12th August 2016 the new (UK) =nsurance Act came into force and we need to inform you of the
following =hanges that we are highlighting to all of our clients.
The Insurance Act =The Act) will apply to all new insurances, renewals and any changes to =nsurance
requirements effective on or after the 12th August 2016. The Act =equires that a fair presentation of the risk is made as
failure to do =o could result in avoidance of the policy and retention of the premium =if failure to make a fair
presentation is deliberate or reckless), or =f different terms being adopted to consider how the risk would have =een
underwritten had fair presentation been made, which could result in =nly partial payment of any relevant claim. As your
Broker we have = key role in ensuring that you are aware of and comply with the updated =equirements.
11
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Insurance Law for contracts subject =o the laws of England & Wales has changed since your last renewal =nd, in
order that you may comply with your obligations please be =dvised of the undernoted requirements, which differ to
those previously =n place:
Duty =f Disclosure
You have a duty to make a fair =resentation of the risk to the insurer, via Sturge Taylor & Assoc, =f every
material circumstance which you ( or a member of your =rganisation, employee, Captain, Crew, management team etc
) =now or ought to know in relation to the risk placed and this duty is =pplicable before the cover is placed, when it is
renewed and at any =ime throughout the contract if the risk changes. A circumstance =s material if it would influence
the judgement of an Insurer / =einsurer in determining whether to take the risk and, if so, on what =erms. If you are in
any doubt whether a circumstance is material =e recommend that it should be disclosed.
Disclosure will be considered fair =f it is made in a manner that is reasonably clear and accessible and =he facts
represented are correct and made in good faith. Failure =o disclose a material circumstance may entitle an insurer to
impose =ifferent terms on your cover or proportionately reduce the amount of =ny claim payable. In the event that
non-disclosure was deliberate =r reckless an insurer will be entitled to avoid the policy from =nception and retain the
premium paid. This would result in any claims =nder the policy not being paid.
Conditions Precedent
You must also take =articular note of any conditions precedent that appear in the =olicy. If a condition
precedent to the validity of this policy or =o the commencement of the risk is not complied with, the insurer will =ot
come on risk. If a condition precedent to the Insurers =iability under this policy is not complied with, the insurer may
not be =iable for the loss in question. A condition precedent may exist =n the policy using other terminology and
without reference to the words =E244condition precedent'.
It is very important that you read =he full policy carefully when it is received and, if you are unsure of, =r are
unable to comply with any provisions therein, please let Sturge =aylor & Assoc know immediately.
Contracting Out
Some Insurers have exercised their right to opt out of the =equirements of the new act. In the event that this
effects the =nsurances we have placed for you we will advise you accordingly.
We have =roduced a simple guide to help you through some of the changes within =he Insurance Act which, if
not attached to this email it is available =n request. If you would like further information please contact =s and we will
endeavour to help.
Registered =ffice: Sturge Taylor & Associates Ltd.,
Highfield Court, Tollgate, =handlers Ford, Eastleigh, Hampshire SO14 3TY
Registered in England No. =706480
Authorised and =egulated by the Financial Conduct Authority
www.sturgeyachts.com
IMPORTANT: This =-mail (including all attachments) is confidential and may be =rivileged. It may be read, copied
and used only by the intended =ecipients, and must not be re-transmitted in an amended form without =ur consent. If
you have received it in error, please contact us =mmediately by return e-mail or by telephone. Please then delete it and
=o not disclose its contents to any other person.
We operate anti-virus programmes but you must take full =esponsibility for virus checking.
<NEW Soton =edical Claim Form.pdf>
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EFTA_R1_00156847
EFTA01808104
ℹ️ Document Details
SHA-256
230d546af5bf33464b36d4f96bf6c8fef08566e00b08ebe8a0629e5ba9bbd3dd
Bates Number
EFTA01808093
Dataset
DataSet-10
Document Type
document
Pages
12