Halo
Well-known member
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.
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.