The claims lab

Build yourself a claim. See who pays.

Build a claim from seven cases from practice and compare three tariffs side by side. The bar shows what arrives, the hatched part behind it is what you carry yourself. And the toggle shows what a moment of carelessness costs.

Three inputs move the figures. The case decides whether the cause is insured at all, because a policy answers the question of cause before it looks at the amount. The slider decides how heavily the fixed deductible and any cap weigh: on a small invoice the deductible is a large share, on a total loss it hardly shows. The toggle decides how much of the amount survives once negligence is in play, and it is locked or greyed out where the question has no bearing on the case. Move a single input at a time and watch which card reacts, and you will see which clause is doing the work.

What the lab cannot do: it works with a fixed sum insured, a fixed deductible and seven typical patterns, so it knows neither your boat nor your own policy, and it cannot tell you whether a real claims handler would rate an incident as gross negligence. Typical mistakes when reading it: taking the slider value for the sum insured (it is the repair invoice, not the value of the boat), forgetting that a total loss is capped at the sum insured, and skipping the reason line under the bar. Whichever policy you hold, check three things against your own document: which causes are listed as insured, what the deductible is and when it falls away, and how the conditions treat gross negligence.