Clubs-Third Party Insurance

[bountyboat]

Would appreciate advice on how/if sailing clubs ensure members have third party insurance to cover damage to club property and other club craft

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[tony_brighton]

In my experience its a condition of membership but I have never seen it verified unless there is a need for a claim.

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[lumphammer]

My club's membership form, to be filled in every year, has a section to be signed confirming the member has third party liability insurance.

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[WayneS]

We have to supply Insrance company and policy number when we do our membership renewal.

w

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[Guest]

Everywhere I have moored as a Club / Marina member I have had to produce my Certificate / Policy docs.
Obviously when visiting - that is different - never been asked.


<hr width=100% size=1>Nigel ...
Bilge Keelers get up further ! I only came - cos they said there was FREE Guinness !

 

[Birdseye]

club requires comprehensive, not third party insurance, since we want members to claim against their own insurance rather than have court cases etc. lesson learned after a very messy lift out accident, left a really sour atmosphere.
checked by declaration rather than inspection.

club itself has £6m cover

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[Strathglass]

My club requires a signature which states that the craft has third party insurance.
Apparently if the club asked to see all insurance certificates and policies then the club is responsable for the insurance aspects of any incident.
If the club has not seen the insurance documents and the owner has signed a document stating that he has the necessary cover, then the onus of responsability is with the craft owner not with the club.

Iain

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[Trevor_swfyc]

This is a concern for most clubs and is a topic which regularly crops up. I think most clubs have settled for the half way measure of getting members to sign a declaration that they will abide by the club rules and this includes having at least third party insurance.
The problem as said with checking is the liability might fall on the checker. Also it would only show a member was covered on the day of the check or would the club have to have a complete list of expiry dates and then check each member again, any volunteers, no I thought not.

Trevor.

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[SteveA]

Our club does insist that all members show their insurance documenrs to the berthing master and each boat is supplied with a sticker to confirm this - no sticker and the boat can not be launched/retrieved on to club land.

I know this is against RYA legal advise but after several 'nasty' incidents we decided it was the best way.

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