Insurance? - New To The Water!

[SigmaF]

Hi All,

Picking up our new (old!) - first Rib tomorrow.

Can anybody direct me to a good source for insurance?


Many thanks,


Scott

[Limecc]

Craftinsure or Insure4boats are two popular ones

[jakew009]

Insure4Boats have some interesting terms in their policy

"We will not pay... Any loss or damage occurring whilst Your Vessel is left afloat when unattended, unless at the moored location shown in Your Policy"

[jakew009]

So having just phoned up Insure4Boats to satisfy my own curiosity, I posed the following question:

"If I get in my boat and take it from it's home marina to another marina a few miles down the coast, and leave it there whilst we all go and have lunch, if it catches fire during the time it is left unattended, I am not insured?"

And the answer was an emphatic "Correct".

I queried it and the guy basically told me that's how it was.

Edit: asked CraftInsure the same question and you are covered for any mooring / marina / anchoring for 24 hours unattended, if you want to leave it somewhere longer than that phone them up to check first and they will send a cover note (y)

I know which one I'd go with.

[Limecc]

Originally Posted by jakew009

Insure4Boats have some interesting terms in their policy

"We will not pay... Any loss or damage occurring whilst Your Vessel is left afloat when unattended, unless at the moored location shown in Your Policy"

I was insured with Mercia Marine once and their policy was the same, but when queried it only applied to being left floating overnight, not for lunch stops.

I sincerely hope that person have some duff info or else I wouldn't renew with a company having that caveat.

[jakew009]

Originally Posted by Limecc

I was insured with Marcia Marine once and their policy is the same, but when queried it only applied to being left floating overnight, not for lunch stops.

I sincerely hope you've been given some duff info or else I won't renew with a company having that caveat.

The Insure4Boats policy is pretty damn clear. I'd phone them up to check

CraftInsure wording to compare:

"We will not pay... Loss or damage whilst your boat is left afloat unattended, unless on non-tidal waters or within a marina, or if at recognised sheltered mooring locations for
periods exceeding 24 hours."

[beamishken]

We have several boats in the family insured with craftinsure.com over the last 15 years and made 3 claims in that time two of which were over 10k & every time they paid fairly and promptly & were easy to deal with. My pals yacht took on water early in the year due to a faulty watermaker & sustained roughly 25k worth of damage again settled without quibble.
I wouldn't worry about the lack of questions etc at set up time cos when the shit hits the fan they sort it out

[jakew009]

Originally Posted by beamishken

We have several boats in the family insured with craftinsure.com over the last 15 years and made 3 claims in that time two of which were over 10k & every time they paid fairly and promptly & were easy to deal with. My pals yacht took on water early in the year due to a faulty watermaker & sustained roughly 25k worth of damage again settled without quibble.
I wouldn't worry about the lack of questions etc at set up time cos when the shit hits the fan they sort it out

Agree, when I phoned them earlier it was gone 5 and I left an answer phone message, the boss man phoned me back on his mobile 20 minutes later. Good service

[spartacus]

I've been with Craftinsure for 14 years and have always found them decent to deal with. My policy is launch and retrieve, but when I'm over on the west coast for a couple of weeks during the summer, then I make an additional premium to have it moored off the beach.

I did the same a couple of years ago when we had a fishing trip to the Summer Isles for a few days based out of Ardmair Point.

That said I've not had to claim (touch wood), and hopefully never have to.

Can't fault 'em!

[lakelandterrier]

I've had great service and prices from Porthcawl.

[paulbrown22]

Likewise, my Ribtec has always been with CraftInsure. I've never had to claim, but super simple to set up online and always incredibly easy to deal with and speak to a genuine knowledgeable person instantly without going round the houses as often happens!

[mickter]

been using Porthcawl for years on all our boats, not had to claim.
my mate claimed for a new o/board and had no problems.

[Adam and Hayley]

+1 for Porthcrawl

[HDAV]

Originally Posted by jakew009

Insure4Boats have some interesting terms in their policy

"We will not pay... Any loss or damage occurring whilst Your Vessel is left afloat when unattended, unless at the moored location shown in Your Policy"

Also known for not paying out use them at your peril and hope you never need to claim!

Use some one reputable if you need anymore than a piece of paper to show a council employee

[Gav03830]

I'll be keeping my Rib at Dunstaffnage for a week or so in July, so after reading some of the issues above i emailed Insure4boats to check on cover. Apparently under my policy my boat will be covered during this time. I did say we'll be using or checking on the boat daily.