Insurance - France

Biggles · 24 May 2007, 23:58

I'm looking for some guidance prior to phoning my insurance company. How much should I expect to pay to have a trip to france added to my Insurance Policy.

I'm looking at doing France and back in a day on my RIB and just wanted some idea of costs.

I think next year I'll be looking at a different insurance company. No Toys and No France is not good for a RIBster.

Nos4r2 · 25 May 2007, 00:07

Craftinsure.com do a monthly policy which covers you for up to 90 days abroad. (I know-it's the one I've got). It might be worth setting it up for a month to get the cover. There's a copy of a policy document on the website.

M Humphray · 25 May 2007, 07:54

I am with Mardon Marine, and they will allow you to cruise in France for so many days a year free, but you must notify them in advance. It would probably help if you said you were part of an an organised cruise, and it was weather dependant. Hope this helps.

havener · 25 May 2007, 08:16

Quote:

Originally Posted by Nos4r2

Craftinsure.com do a monthly policy which covers you for up to 90 days abroad. (I know-it's the one I've got). It might be worth setting it up for a month to get the cover. There's a copy of a policy document on the website.

I think that's the one underwritten by Navigators & General - I also insure one boat with Craftinsure.

The thing to watch is if there's any coastal limit - 90 days a year in France is fine, but you could potentially end up with no cover for the middle bit of your crossing, depending on the route you take.

Simon

Nos4r2 · 25 May 2007, 08:35

Just looked at my policy. The exact wording is below.

"While inshore or in transit or afloat on inland and coastal waters of the United Kingdom and Ireland,and for a period not exceeding 30 days in any one period of insurance in Europe"

Does that count as a coastal limit or do they have to give distances?

Neil Harvey · 25 May 2007, 19:19

Matt,

I could be wrong, but I think the words coastal waters say it all. I think that coastal means up to 12 miles off shore, so any crossing exceeding 24 miles as the crow flies could mean being uninsured for a period of the journey.

Sure someone may correct me on that though.

havener · 26 May 2007, 09:40

Quote:

Originally Posted by Neil Harvey

Matt,

I could be wrong, but I think the words coastal waters say it all. I think that coastal means up to 12 miles off shore, so any crossing exceeding 24 miles as the crow flies could mean being uninsured for a period of the journey.

Sure someone may correct me on that though.

That's my understanding of it....unless they specifiy "within territorial waters" in which case a crossing to France in most places would be covered...

Tony · 26 May 2007, 21:33

As well as having marine insurance, should you take out holiday insurance incase of any accidents?

Biggles · 26 May 2007, 21:47

Good Point. Haven't seen that mentioned before.

havener · 27 May 2007, 10:17

Quote:

Originally Posted by Tony

As well as having marine insurance, should you take out holiday insurance incase of any accidents?

Yes. It's compulsory within France, I have experienced being asked for proof of it at hotels, etc.

Also make sure you have a European Health Card, replaces the old E111 scheme. Have a look on http://www.ehic.org.uk to register.

allegria · 27 May 2007, 18:21

I paid £25-£30 onto my policy with Mardon. That was for 4 months in the south of france.