Carmel2
Well-Known Member
Looking at the various boat policies out there, none that I have found offer cover for laptops, phones, jewelery, wallets or anything else along thoses lines, so do you have a separate policy? Or just not bother?
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- Thread starter Carmel2
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desiderata
Active Member
St Margarets will cover laptops if used for navigational purposes
PlanB
Well-Known Member
We had a personal effects extension to our Bishop Skinner policy to cover the extra stuff we have on board, but even then the things you mention are excluded. I think you can get an all risks policy for valuables, but they are horrificlly expensive. So we carry the risk. We call it self-insuring. Having said that, in six years we haven't suffered any loss except a camera down the toilet - and that's another story. So we think we are ahead of the game. Fingers crossed.
rivonia
Well-Known Member
Carmel2
Well-Known Member
Therein lies one problem, the laptop would be used for other things as well as navigational purposes, and if it got pinched, they would use that as a get out.
Carmel2
Well-Known Member
I was "diarised" (their words not mine) for a call back last week to discuss my needs, the call came a day late in the middle of lunch, so I arranged for another call back for the following day, one week later nothing, which makes me think what would it be like if I was to try and make a claim.
sailorman
Well-Known Member
Carmel2
Well-Known Member
& how would the Ins know that
They would ask me to prove that it wasn't.
charles_reed
Well-Known Member
I've a £3.3K on "personal" items which paid out for a laptop stolen in Malta, along with many other navigational items - I've never given the matter 2nd thought.
The policy was with GJW.
The laptop, rebuilt on a new chassis, was definitely archiac - to get in anywhere near modern computer standards I dual booted it into Linux - I now have only 1 programme which demands WinOS.
The policy was with GJW.
The laptop, rebuilt on a new chassis, was definitely archiac - to get in anywhere near modern computer standards I dual booted it into Linux - I now have only 1 programme which demands WinOS.
