bignick
Well-Known Member
Oops, sorry. I’ll correct my post.I didn't say that, tenfold did.
i had a stray [QUOTE=… at the beginning. Not sure how that happened.
Oops, sorry. I’ll correct my post.I didn't say that, tenfold did.


Ok if the mast and rig was off the boat and stored ashore. However, a boat with the mast up either ashore or afloat is still subject to wind vibration in the standing rigging.4 years technically, but sat unused the last 2
Yep, an insurer won't care about how long the boat sat ashore. They will likely want to know rig condition at 10 years.Ok if the mast and rig was off the boat and stored ashore. However, a boat with the mast up either ashore or afloat is still subject to wind vibration in the standing rigging.
Yep, an insurer won't care about how long the boat sat ashore. They will likely want to know rig condition at 10 years.
My insurers haven’t asked me, at 1st quote or renewal. If I lost the mast and the subject came up, I have a 2021 bill for it all.Its a strange item - but in all the survey reports I issued in UK / elsewhere for Yachts ..... not once was I ever asked by Insurers to state age of rigging. My reports were honest and stated 'visually' good condition. Which in fact is about as far as anyone can go - visually check. Even Riggers themselves will tell you its difficult to actually determine rig condition and is why age related replacement gets bandied about.
The average cruising yacht is often over-engineered when it comes to rigging.
Only time I see Insurers get onto rigging is when Surveyor makes remark in report that prompts response.
I was told only buy liability insurance (covering others' boats) for this boat as full coverage (which includes my boat) will cost so much more, and they will start asking all the detailed questions as soon as I file a claim, and use the answers to deny the claim, but happily take my money until then. I would have thought they were being a bit jaded. But two people told me this.
Also I was told I have insurance by the marina while on the land and to start insuring when she goes in the water as it's hard for my boat to hurt anybody right now
Also, again I filtered some news to try to stay positive, but the Dutch shop when asked if they are really confident to make the tricky repair with the holes at angles, etc, said they could no problem. Then quoted me 150 Euros. Originally same guy quoted me 70 Euros. Gave me a bad feeling. Either he was taking advantage once he knew the cost of a new one, or he was brushing me off not wanting to say he wasn't totally confident in the repair. Either way, I felt more confident than ever just buying a new one.
First your boat needs to be insured whilst on land as if something does happen then you could end up in dispute with the marina insurers who might find cause to blame you if for instance your boat fell over and damaged other boats. Check with the marina if their insurance does actually cover your boat and in what circumstances.
Third party insurance is an option but it would be worth getting a quote for comprehensive, insurers normally request that any items noted on the purchase survey have been rectified and that is the total of it. As you have had your mast foot "repaired professionally" and have proof of that it won't be a problem if you have a claim involving the mast, they will also want to know things like is the rigging less than 10 years old.
Marina's don't give a monkeys about Insurance to cover your boat.
Their concern is to have cover for any incident as a result of your boat - 3rd Party Liability.
This should cover not only damage / injury to others / Marina occurring as a result of your boat / use of - but also importantly - Wreck Recovery - in event your boat sinks within the Marina.
Years ago - there was a storm that passed through UK ... a lot of boats suffered 'domino' effect in the yards. Guess what ... very few Marinas had to pay out anything. Most ended up as Knock on Knock pay-outs between the boats. It also meant that there were quite a few boats that had no payout as a result, but paid for the other .... those that had 3rd party and no boat fell on them !! but they fell on others.
You can get third party insurance to cover your liability to others in the marina/yard without a survey and most marinas in the UK require it. It can be ungraded to "fully comp" as and when you get a survey or otherwise satisfy the insurance co to cover you. No insurance at all is a big no no IMO.