• REMINDER - COVID-19

    Any content, information, or advice found on social media platforms and the wider Internet, including forums such as YBW, should NOT be acted upon unless checked against a reliable, authoritative source, and re-checked, particularly where personal health and liberty is at stake. Seek professional advice/confirmation before acting on such at all times.

    Users who are found to promulgate FAKE NEWS on the forum in regard to this issue, intentional or otherwise, may find their access terminated. It is your responsibility to provide references to bona fide sources.

    FAKE NEWS, in this regard, is that which is posited by organisations, media, etc., that is repeated on the forum, or used to support personal opinion/hypothesis posted by users - FAKE NEWS is not necessarily the personal opinion/hypothesis being posted in itself, any issues with such should be challenged respectfully.

    IN ADDITION it seems that conspiracy theories are finding their way onto the forum. This is not the place for such content. Users who post it may find their access limited or permanently suspended. Please leave it where you find it.

Insurance Wrangle

Halo

Well-known member
Joined
10 Nov 2009
Messages
1,509
Location
Wetherby
I have been with my insurance provider for 30years. I was about to renew when I decided to use some of the extra time I have under lockdown to read my existing policy documents line by line.

My cover is coastal and inland waters from La Rochelle to Elba and Eire. When I read the policy booklet it said that coastal waters are up to 12 miles offshore. I phoned the company and said what happens if I have an accident more than 12 miles from the coast - answer - then you are not covered. I said with this definition I cannot sail ( insured ) directly from Flamborough to Lowestoft or cross to Netherlands or Eire. What is the point of such a wide area of coverage if you cannot get across the sea except near Dover or Portpatrick !!

I got quotes and have bought a new policy with Saga insurance. They do not need a survey for boats under 25 years and I can go in a straight line anywhere in the area of insurance - which is the same as before. My new premium is 40% less than the renewal offer from the old insurer.

I have no connection to Saga other than as a policy holder.
 

awol

Well-known member
Joined
4 Jan 2005
Messages
5,682
Location
Me - Level 4 Edinburgh; Boat - in Level 4
I wonder for how many of those 30 years you have been uninsured when over 12 miles from shore? Did you notice Saga's definition of water ingress and their view on consequential damage? We should all follow your example and carefully read our policies - thinking you know what is in them may not match the current version.
 

JumbleDuck

Well-known member
Joined
8 Aug 2013
Messages
22,530
Location
SW Scotland
I had that restriction in my original GJW policy quote. They cheerfully extended cover to the whole Irish Sea (I wanted to go to the IoM) at no extra charge.
 

Athomson

Well-known member
Joined
20 Sep 2020
Messages
727
I decided to use some of the extra time I have under lockdown to read my existing policy documents line by line.
Phew I wonder what you're going to be doing by the end of March if you're reached this point already. 😬
 

matt1

Active member
Joined
11 Feb 2005
Messages
889
Interesting because in diving into a lot more detail with insurance lately (looking for some fairly extended sh cover) I found almost the same descriptive wording as the OP when looking at my current policy (whom I’ve been with for 20+yrs). I was a bit shocked as I have been sailing outside that description regularly. When I asked them about it they reassured me it included beyond 12 miles and sent me some additional wording
 

ip485

Well-known member
Joined
13 Feb 2013
Messages
1,329
Well done for dumping then. It may be worth naming and shaming even if it saves one other person being caught out.
 

Sandy

Well-known member
Joined
31 Aug 2011
Messages
16,684
Location
On the Celtic Fringe
I was surprised when I discovered the same with GJW at the Southampton Boat Show in 2018, I asked as I often am 15 miles out. I was advised that if you at on passage from shall we say Plymouth to Roscoff you are covered. It might be worth checking with your company that SAGA have on passage cover.

I found SAGA was four times the cost of GJW when I asked for a quote.
 

LittleSister

Well-known member
Joined
12 Nov 2007
Messages
12,001
Location
Me Norwich - Boat Orwell & Southwold
I asked as I often am 15 miles out. I was advised that if you at on passage from shall we say Plymouth to Roscoff you are covered. It might be worth checking with your company that SAGA have on passage cover.
I am a bit sceptical of the value of verbal assurances, especially from what are basically sales people, that cover is provided beyond what is stated in the policy.

I am also puzzled about this idea of 'on passage'. What voyage extending more than 12 miles offshore is not 'on passage', even if it's only a passage around some notional offshore point and then back home for tea?
 

Halo

Well-known member
Joined
10 Nov 2009
Messages
1,509
Location
Wetherby
I did check that with Saga. I am covered on passage between any harbour within the area specified in the policy - La Rochelle , Elbe, Eire
 

rickwales

Member
Joined
30 Jun 2002
Messages
87
I have been with my insurance provider for 30years. I was about to renew when I decided to use some of the extra time I have under lockdown to read my existing policy documents line by line.

My cover is coastal and inland waters from La Rochelle to Elba and Eire. When I read the policy booklet it said that coastal waters are up to 12 miles offshore. I phoned the company and said what happens if I have an accident more than 12 miles from the coast - answer - then you are not covered. I said with this definition I cannot sail ( insured ) directly from Flamborough to Lowestoft or cross to Netherlands or Eire. What is the point of such a wide area of coverage if you cannot get across the sea except near Dover or Portpatrick !!

I got quotes and have bought a new policy with Saga insurance. They do not need a survey for boats under 25 years and I can go in a straight line anywhere in the area of insurance - which is the same as before. My new premium is 40% less than the renewal offer from the old insurer.

I have no connection to Saga other than as a policy holder.
I Recently also had a very competitive quote from Saga without survey on a 22 year old boat
 

Sandy

Well-known member
Joined
31 Aug 2011
Messages
16,684
Location
On the Celtic Fringe
I am a bit sceptical of the value of verbal assurances, especially from what are basically sales people, that cover is provided beyond what is stated in the policy.

I am also puzzled about this idea of 'on passage'. What voyage extending more than 12 miles offshore is not 'on passage', even if it's only a passage around some notional offshore point and then back home for tea?
I have always found GJW to honour their word. And yes my question was about heading well offshore and being back for tea.

How they cannot cover a vessel in continental waters and not cover the 75 nm trip between the 12 nm limit would leave me head scratching.

The conversation was part of a much wider one about cover for an Adlantic crossing and then moving into the Pacific. The conversation was both informative and encouraging. Talk to us about your plans and we will do our best to accommodate you.
 

Birdseye

Well-known member
Joined
9 Mar 2003
Messages
23,789
Location
s e wales
I have been with my insurance provider for 30years. I was about to renew when I decided to use some of the extra time I have under lockdown to read my existing policy documents line by line.

My cover is coastal and inland waters from La Rochelle to Elba and Eire. When I read the policy booklet it said that coastal waters are up to 12 miles offshore. I phoned the company and said what happens if I have an accident more than 12 miles from the coast - answer - then you are not covered. I said with this definition I cannot sail ( insured ) directly from Flamborough to Lowestoft or cross to Netherlands or Eire. What is the point of such a wide area of coverage if you cannot get across the sea except near Dover or Portpatrick !!

I got quotes and have bought a new policy with Saga insurance. They do not need a survey for boats under 25 years and I can go in a straight line anywhere in the area of insurance - which is the same as before. My new premium is 40% less than the renewal offer from the old insurer.

I have no connection to Saga other than as a policy holder.
Excellent. You have finally done what you should have done every year. You frequently read moans about insurers hiding behind the small print and its absolute nonsense. When you buy insurance you buy cover for certain conditions and you should make sure you are happy with those conditions before you pay up.
Whats more its only sensib;le to check alternative offers every year not every 30 years.
 

peteK

Well-known member
Joined
4 May 2009
Messages
1,136
Location
Wirral
I have been with my insurance provider for 30years. I was about to renew when I decided to use some of the extra time I have under lockdown to read my existing policy documents line by line.

My cover is coastal and inland waters from La Rochelle to Elba and Eire. When I read the policy booklet it said that coastal waters are up to 12 miles offshore. I phoned the company and said what happens if I have an accident more than 12 miles from the coast - answer - then you are not covered. I said with this definition I cannot sail ( insured ) directly from Flamborough to Lowestoft or cross to Netherlands or Eire. What is the point of such a wide area of coverage if you cannot get across the sea except near Dover or Portpatrick !!

I got quotes and have bought a new policy with Saga insurance. They do not need a survey for boats under 25 years and I can go in a straight line anywhere in the area of insurance - which is the same as before. My new premium is 40% less than the renewal offer from the old
I have been with my insurance provider for 30years. I was about to renew when I decided to use some of the extra time I have under lockdown to read my existing policy documents line by line.

My cover is coastal and inland waters from La Rochelle to Elba and Eire. When I read the policy booklet it said that coastal waters are up to 12 miles offshore. I phoned the company and said what happens if I have an accident more than 12 miles from the coast - answer - then you are not covered. I said with this definition I cannot sail ( insured ) directly from Flamborough to Lowestoft or cross to Netherlands or Eire. What is the point of such a wide area of coverage if you cannot get across the sea except near Dover or Portpatrick !!

I got quotes and have bought a new policy with Saga insurance. They do not need a survey for boats under 25 years and I can go in a straight line anywhere in the area of insurance - which is the same as before. My new premium is 40% less than the renewal offer from the old insurer.

I have no connection to Saga other than as a policy holder.
You must have been paying a horrendous amount and not realised it with your old insurer if Saga is 40% cheaper and Saga is not known to be cheap.
 
Top