Boat transport / insurance / t&c's

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hullabaloo

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My new to me boat is being delivered by road, ( UK )
The transport companies terms and conditions are saying, there is a large short fall if your boat is trashed.
I am taking a new policy out on the new boat,
I have asked the insurance company to cover one road trip (by a reputable transport company) to which they replyed, we can not cover the boat whilst in transit, i said i will pay extra, and still no cover.

do i take the chance ?
change insurance company ?
what did you do ?
 
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it seems to be the same with most transport companies, they will pay 1300 pounds per ton insurance in the event of a claim.
and my insurance company will not cover me as well.
 
try Navigators and General, I insure with them.I have moved a few boats by road and they covered it whilst on the lorry and in the lifts
 
There’s separate policy’s some sell specifically for coving boat transport by road or sea ( deck of ship )
It’s not part of your general policy .Normally a small single digit % of the value , say 2/ 3% .

You could ask any of the U.K. big Three ..who they recommend to there clients .

I think the last time I bought one was to transport a S/Skr from Pool to Cote d Azur .As well as the figure % it had a handy clause of getting a payout instead of a repaired boat .You know if it falls off or the lorry tips up , Instead of getting it repaired ( as it’s not a total loss ) I paid a supplement for the pre agreed cash value insured back .
Of course from a factory it’s easy to take the cash settlement back after settlement and buy another .
 
hullabaloo said:
thanks so far,
I will get a quote off Navigators and General and y yacht tomorrow.
Click to expand...

Have a REAL good look Y www.yyachtinsurance.com
Most of us on here use them.
Mention that you are on the YBW forums to be sure that you get the best terms.
They will probably give you the same terms anyway.
Just look through this forum to see what people think of Y.
I don't think you will find a better insurer.
 
Most insurers will cover a boat of up to and including 30 foot for physical loss or damage but not for RTA (Road Traffic Act) .
My understanding the liability element of £1300 per ton applied to incidents where the haulier liable under a contract of CMR for transit to Europe
Most hauliers offer an all risks extension or purchase as a stand alone policy.
Not sure if the hauliers insurance would cough up if no liability against the haulier.
YYacht is an insurance broker not an insurer and they may well have a specialist insurance policy that they can offer best to check especially as Brexit not far away!
 
There may well be large excess for the transport company to pay – which doesn’t mean they are not liable if they trash your boat.
However I would suggest using an insurer who will provide cover during transport such as y yacht insurance which probably has the following cover (but do check before buying the insurance)
Section A – Vessel
What is covered
1 Whilst ashore or afloat, being lifted, hauled out or launched, in transit by road, rail, air or car ferry the Vessel is covered for losses arising from:
1.1 all risks of accidental damage;
1.2 theft;
1.3 fire and/or explosion;
1.4 acts of piracy;
1.5 acts of vandalism;
1.6 deliberate damage (not caused by You);
1.7 Latent Defect, excluding the cost or expense of repairing or replacing the defective part; and
1.8 electrolysis caused by a sudden and identifiable cause.
 
hullabaloo said:
My new to me boat is being delivered by road, ( UK )
The transport companies terms and conditions are saying, there is a large short fall if your boat is trashed.
I am taking a new policy out on the new boat,
I have asked the insurance company to cover one road trip (by a reputable transport company) to which they replyed, we can not cover the boat whilst in transit, i said i will pay extra, and still no cover.

do i take the chance ?
change insurance company ?
what did you do ?
Click to expand...

I insured the boat today and Paid an extra £235 to cover the boat whilst be transported by road.
and this is why;

Under CMR your vessel is insured to the level of around £8,000 - £10,000 per tonne dependant upon the strength of the pound, to a maximum £300,000. Under RHA your vessel is insured to the level of £1,300 per tonne and we highly recommend that customers obtain a transport insurance contract with their insurers to cover the difference for the period it is in transport.
 
MartynG said:
There may well be large excess for the transport company to pay – which doesn’t mean they are not liable if they trash your boat.
However I would suggest using an insurer who will provide cover during transport such as y yacht insurance which probably has the following cover (but do check before buying the insurance)
Section A – Vessel
What is covered
1 Whilst ashore or afloat, being lifted, hauled out or launched, in transit by road, rail, air or car ferry the Vessel is covered for losses arising from:
1.1 all risks of accidental damage;
1.2 theft;
1.3 fire and/or explosion;
1.4 acts of piracy;
1.5 acts of vandalism;
1.6 deliberate damage (not caused by You);
1.7 Latent Defect, excluding the cost or expense of repairing or replacing the defective part; and
1.8 electrolysis caused by a sudden and identifiable cause.
Click to expand...

Martyn, it's the 3rd party liability that is of equal importance (e.g. (I think) part of your boat falls off and kills someone in the car behind the truck).
 
petem said:
Martyn, it's the 3rd party liability that is of equal importance (e.g. (I think) part of your boat falls off and kills someone in the car behind the truck).
Click to expand...

Are you sure, Pete?
I don't know, myself, but I always thought that the road insurance covered third party accidents and the boat insurance covered the actual boat.
I remember towing my dinghies with my car.
When my boat came off the back of the car and hit a bus stop, I believed that the car policy covered the bus stop and my boat policy covered the boat's damage.
I may be wrong though.
I was just questioning your comment.
 
I am in transport, you company should be able to upgrade to full cover a a cost, if not look elsewhere.
I am also with "Y" & they have been happy to confirm cover, my boat goes everywhere by transport of skipper cos I'm not able at the moment.
 
petem said:
Martyn, it's the 3rd party liability that is of equal importance (e.g. (I think) part of your boat falls off and kills someone in the car behind the truck).
Click to expand...

Yes that is important .
But would the boat owner be liable for that ?

The y policy does have the following exclusion ............
4.7 any liability to third parties while the Vessel is attached to, carried on or towed by a motor vehicle or has become unintentionally detached from a motor vehicle;
 
MartynG said:
Yes that is important .
But would the boat owner be liable for that ?

The y policy does have the following exclusion ............
4.7 any liability to third parties while the Vessel is attached to, carried on or towed by a motor vehicle or has become unintentionally detached from a motor vehicle;
Click to expand...

That's why you have to phone Y and make sure that cover is extended unless you are absolutely sure that the hauliers cover is adequate.
 
petem said:
That's why you have to phone Y and make sure that cover is extended unless you are absolutely sure that the hauliers cover is adequate.
Click to expand...

Surely the haulier must have third part cover like any other road vehicle.
I don't see how you can buy insurance for something that you would not be held liable.
 
The insurance i have paid for is to cover the shortfall Only from the £1300 per ton to the real value of my boat,
If my boat should fall off the transport lorry on the A55 and splater bruce k's fiat panda, i or my extra insurance will not be held to account for the fiat panda,
this is down to the transport company's insurance to pay bruce k 300 pounds for his fiat panda,
i insure the boat/ goods in transit and the transport company insure the road risk.

ps, most insurance companies will only include insurance for boats upto 30 foot whilst be taken by road. (most ?)
 
petem said:
Martyn, it's the 3rd party liability that is of equal importance (e.g. (I think) part of your boat falls off and kills someone in the car behind the truck).
Click to expand...

If somthing was to fall off my boat and kill somone, thats bad, but sorry that is down to the driver for taking an insecure load, and his 3rd party insurance would foot the claim.
i will request all loose items are stowed below but the driver must make his own load checks.
 
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