Are rowers insured ?

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Thamesmariner

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Saturday morning, enjoying breakfast on board just upstream from Hambledon lock when suddenly a tremendous crash on the starboard bow, my immediate , and correct, assumption was that we had been hit by one of the many rowers from the various clubs in Henley who use this stretch most mornings. I have to say I was at first more concerned for the damage that may have been done to the paintwork on our lovely steel boat but I did manage to ask the somewhat dazed lad if he was OK - "just touched your fender mate" was his reply upon which he raced off at fast speed never to be seen again. We now have a nasty scar on the paintwork that will have to be resprayed. My question is - if we had been able to get any details from this chap - would he have been insured or do we just have to accept that these things happen ?
 
Thamesmariner said:
My question is - if we had been able to get any details from this chap - would he have been insured or do we just have to accept that these things happen ?
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If it was a club registered boat - very likely - it would have an identifying number on both sides in the form ABC123. This reference absolutely identifies the boat and its club.

Boat doesn't need to be insured for you to claim against the owner or the rower in charge. However, if it was a club boat every likelihood that the boat and the individual would be insured.
Either way, you do need to be able to identify who it was :eek:
 
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Whether he is insured or not you could still bring a claim against him. All insurance does is to provide him with a means of meeting claims.

I suppose respraying won't be cheap so it might be worth tracking him down if you can. If he turns out to be a 'man of straw', and without insurance, then I guess there isn't much you can do (except appeal to his better nature!).
 
If you feel like pursuing the matter, you could try contacting clubs in the reach and see if you can identify boats that might have been involved at time and date. Maybe enlist the help of your insurers?

Any chance the rowboat might have been damaged?

Worth everybody noting the comment I made in previous post re the ID number every club registered boat must carry on both sides. If you have any issue with a rowing club boat just that number identifies it.
 
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'cos I'm too lazy to look it up -
"Us" motorboaters have to carry third party insurance,
BUT do unpowered craft have to do likewise?
 
ALL the rowers are insured. However, as Boatone points out, you do need to get the registration of the boat ie TWK 007 would be a Twickenham RC boat.

He should have filled out a report of the collision when he returned to his club...

All you can do is contact the local clubs telling them you were hit by a rower giving date & time and wait for the denials.

It is just the same as a collision on the road, if you dont get the registration number you will struggle to claim.
 
TrueBlue said:
'cos I'm too lazy to look it up -
"Us" motorboaters have to carry third party insurance,
BUT do unpowered craft have to do likewise?
Click to expand...

From EA Registration info....
Third party insurance policy
If you wish to register a powered boat (i.e. one with an engine), you must have a minimum of ‘third party’ insurance cover while your boat is registered with us............
If you wish to register an unpowered boat, we strongly recommend you take out an insurance policy on the same basis.
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Somebody in single scull bashed into me when moored just above Henley and then soundly berated me for parking in the "wrong " place.
 
Thanks for all the advice - I have a note of the time and also a blurred photo of him racing away afterwards - taken on my mobile phone - but no detail visible. However, I will pursue throught the Henley clubs. The cost is a bit more than I estimated - I also have to pay for a lift-out !
 
Oldgit - had a similar thing whilst moored on the booms during festival week.

Chap ran straight headlong into my stern and muttered loudly "why would you park a boat there?" He apparently hadn't noticed SWMBO and I sitting in the cockpit and was most startled when I retorted (also loudly..) "why wouldn't you look where you're going!?"

Cue red face and hasty retreat...
 
Chances are v high that the sculler will be from one of the clubs on that reach so you have a limited number of possibles. If you have a photo you might be able to identify the boat, or at least narrow it down considerably, and then find out if it is a private single- used only by the owner, or a club boat- used by all members so might make your quest a bit harder. If it's a club boat you might be able to take it up with the club rather than finding the actual rower.

If you are going to try and locate the offender, time is important as squads will tend to meet and row at the same times each week, and your photo will be very useful.

Most row boats will have insurance. I have for mine.

Ideally, perfect hindsight etc etc, this should have been followed up immediately but I know how things go, your issue might be proving now that the damage you are claiming for was done by that incident with that boat.

Good luck though.

Andy
 
oldgit said:
Somebody in single scull bashed into me when moored just above Henley and then soundly berated me for parking in the "wrong " place.
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Im with Oldgit here ! you were lucky he didnt give you a stream of abuse for getting in his way !

On a serious note though I really dont see that a claim for a scrartch is worth doing, and well the water is not the road, boats get bumped and knocked all the time, and I see this as a a part of boating, the insurance really is there for more serious stuff.
 
Thamesmariner said:
Thanks for all the advice - I have a note of the time and also a blurred photo of him racing away afterwards - taken on my mobile phone - but no detail visible. However, I will pursue throught the Henley clubs. The cost is a bit more than I estimated - I also have to pay for a lift-out !
Click to expand...

for a scratch?

on a steel boat... caused by a plastic rowing boat...:confused::confused:
 
Thamesmariner said:
Thanks for all the advice - I have a note of the time and also a blurred photo of him racing away afterwards - taken on my mobile phone - but no detail visible. However, I will pursue throught the Henley clubs. The cost is a bit more than I estimated - I also have to pay for a lift-out !
Click to expand...

Dont forget to claim for whiplash....

:D
 
rr_123 said:
for a scratch?

on a steel boat... caused by a plastic rowing boat...:confused::confused:
Click to expand...

Well, a bit more than a scratch - about a metre long and through the top coat, and primer and 3mm deep. It's a bit like someone running a key along your nice shiny car - most people would want to get it fixed and take it to the bodyshop. A boat has to be lifted to repair it. However, the offender reported the incident to the rowing club and I am in discussion with them and will wait until the winter lift-out before having it fixed to considerably reduce the cost.
 
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