Do not want an insurance survey

[Daydream believer]

Personally need such cover as a condition of my Yacht Club Membership.

That is a worrying comment. Surely third party insurance should be a "expected" as a minimum whether you are required by your club or not. Or are you one of the thousands who would happily drive uninsured on the roads as well?

 

[Refueler]

Personally need such cover as a condition of my Yacht Club Membership.

If a club requires fully comprehensive insurance as you seem to imply - then I am surprised. Clubs usually apply same as marinas in that you have to have 3rd party cover that includes :

Recovery of boat should it sink on the mooring
Damage to other club items / boats / facilities

As long as Club is covered against loss - the actual loss of your boat - is your problem.

I know some clubs do negotiate a discount with particular companies and then 'persuade' members to use that company ... but I've never heard of required to have Full Comp Ins for a boat for a club or marina.

 

[Seashoreman]

OK, perhaps my use of the word 'such' did not cover or explain the type of Insurance I personally have.
The most important point IIRC coming from my club is to do with Third Party liability to cover loss of life/injury.
As all boats (perhaps 500, which are not all Club members) are on swinging moorings I believe loss of boat/damage to any other boat etc is
the responsibility of the individual. The Club does not insist on this as far as I know from my interpretation.
I choose to have Full Comp Insurance for peace of mind, but reading some comments on here I may have been wasting my money and will do some research.
I must admit that perhaps 30 years ago when I was playing around with dinghies and a Shetland motorboat I never considered anything about Insurance.
Obviously I don't need reminding that that was more than a little foolhardy.

 

[Refueler]

OK, perhaps my use of the word 'such' did not cover or explain the type of Insurance I personally have.
The most important point IIRC coming from my club is to do with Third Party liability to cover loss of life/injury.
As all boats (perhaps 500, which are not all Club members) are on swinging moorings I believe loss of boat/damage to any other boat etc is
the responsibility of the individual. The Club does not insist on this as far as I know from my interpretation.
I choose to have Full Comp Insurance for peace of mind, but reading some comments on here I may have been wasting my money and will do some research.
I must admit that perhaps 30 years ago when I was playing around with dinghies and a Shetland motorboat I never considered anything about Insurance.
Obviously I don't need reminding that that was more than a little foolhardy.

I wasn't trying to be rude ... just thought it strange that a Club would require Full Comprehensive.

3rd Party should give Life / Injury cover of course to 3rd parties ... as well as salvage of boat if sinks on mooring / marina berth etc.

 

[Seashoreman]

That is a worrying comment. Surely third party insurance should be a "expected" as a minimum whether you are required by your club or not. Or are you one of the thousands who would happily drive uninsured on the roads as well?

I had my fairly new, and new to me, car written off by an uninsured drunk driver( 3 times over the limit) outside my house a few days before Christmas.
Most distressing experience and of coarse I lost out financially.
You dont know me Daydream so please try to be civil with veiled accusations. It really does put one off joining in with these discussions.

 

[Daydream believer]

I had my fairly new, and new to me, car written off by an uninsured drunk driver( 3 times over the limit) outside my house a few days before Christmas.
Most distressing experience and of coarse I lost out financially.
You dont know me Daydream so please try to be civil with veiled accusations. It really does put one off joining in with these discussions.

I take the point.You did, in my defence, suggest that you were getting insurance because your club demanded it. & no one knows if that is still the reason. Your post now suggests that it may not be
But I do get annoyed by some cruiser owners - & we get them on our moorings- who glibly say oh its Ok if I have a ding I will just sort it with the other guy. In practice that does not happen. Bit like the idiot who smashed your car & thinks he can get away with it. We have had an owner who has lost best part of a seasons sailing, shortly before his holidays, due to such a situation.
On this forum over the years there have been a number who have claimed that insurance is "unnecessary". Their attitude can only make the blood boil. The comparison with uninsured drivers is, I think, justified.

 

[Seashoreman]

Fair enough Daydream, obvious a misunderstanding. I added the Club thing meaning that I assume its mandatory in the area I moor. Everything from children to rank amateurs to keen Loch Longs to racing Cruisers and Dragons. One mistake on anybody's behalf on the River Alde could cost the price of a house in injuries.
I am moored in a very vulnerable situation for racers and its not unusual for them to take risks on late tacking in their enthusiasm to win.
I certainly know and respect the need for a minimum of 3rd party insurance.
But getting back to the point, I have never been asked for a survey on my past boats. Maybe Leisure's don't sink too often or maybe they know they will never pay out anyway, ha.

 

[Daydream believer]

Maybe Leisure's don't sink too often or maybe they know they will never pay out anyway, ha.

I will say one thing for GJW. I lost my rudder near Inverness. They were extremely helpful & when there was a chance that i could have had the boat transported home by lorry immediately, they made an instant decision to agree to that on the phone. Unfortunately it did not happen, as my marina were not prepared to offload on a Saturday, which was a condition of the transport.
However, they paid for me to travel home & back whilst waiting for the new rudder & when i sailed home they provided a surveyor FOC to check the keel to see if some crazing in the internal gell coat was of significance (It was not). It was caused by bad storage by the marina that put undue weight on the aft end of the keel. There was no increase in premium the following year apart from the usual inflationary one.
All in all an excellent service.

 

[Graham376]

If a club requires fully comprehensive insurance as you seem to imply - then I am surprised. Clubs usually apply same as marinas in that you have to have 3rd party cover that includes :

When looking at our club insurance some years ago, there was a loophole when damage was caused by say the club launch to a member's boat. As a member (under many club's articles) is also an owner of the launch it's a grey area whether he/she is a third party. We sorted it with a "member to member" liability policy but some clubs seem to rely on the boat owner claiming under their own policy for damage caused by a member or club equipment.

 

[Refueler]

When looking at our club insurance some years ago, there was a loophole when damage was caused by say the club launch to a member's boat. As a member (under many club's articles) is also an owner of the launch it's a grey area whether he/she is a third party. We sorted it with a "member to member" liability policy but some clubs seem to rely on the boat owner claiming under their own policy for damage caused by a member or club equipment.

Interesting ... never thought about it ...

The clubs I belonged to - I have idea they had cover to insure against club gear / facilities incidents ...

Interesting thing over here .... they don't care !! not where I am anyway ... No req't for insurance of any form. In fact if you approach any broker here - they look at you as though you are a Martian !!

 

[shell]

+1 for basic boat for 3rd party cover used them for 3 years, online form takes about 5 minutes and cert emailed straight back, now with Y Yachts, good fully comp cover with photos instead of survey,

I have been trying to google "Y Yachts Insurance" but no results, could you let me have more details or a link?
Thanks

 

[geem]

I have been trying to google "Y Yachts Insurance" but no results, could you let me have more details or a link?
Thanks

They dont exist anymore. They were bought by Topsail

 

[Graham376]

YYacht Insurance - Yacht Insurance | Boat Travel Insurance | UK & EU Insurance

 

[Dukester52]

Have you tried craftinsure.com? Completely online and no fuss. I've insured a few boats through them (both fully comp and 3rd party/salvage). Never made a claim, but they've always given great advice over email (even with respect to mast-up yard storage on a 3rd party policy - something the yard wanted me to check) and have been happy to increase their standard cruising grounds for no extra charge. I currently insure a circa 50 year-old Centaur with them, and no insurance survey needed.

 

[davidpbo]

I will say one thing for GJW. I lost my rudder near Inverness. They were extremely helpful & when there was a chance that i could have had the boat transported home by lorry immediately, they made an instant decision to agree to that on the phone. Unfortunately it did not happen, as my marina were not prepared to offload on a Saturday, which was a condition of the transport.
However, they paid for me to travel home & back whilst waiting for the new rudder & when i sailed home they provided a surveyor FOC to check the keel to see if some crazing in the internal gell coat was of significance (It was not). It was caused by bad storage by the marina that put undue weight on the aft end of the keel. There was no increase in premium the following year apart from the usual inflationary one.
All in all an excellent service.

GJW were good with us last year when we had to claim, broken rudder as well Beware upper Otter Spit Inverary! I think I had I instructed someone to repair it before thinking hang on, that's what insurance is for. They paid up fine.

 

[jwilson]

Yachting 24 don't ask for surveys but only cover boats under 50k and less than 40 years old.
Seem to be cheaper and less restrictive than most on here suffer as well.

I think they have stopped offering new UK cover since Brexit, and may cancel existing policies as they come due for renewal.

 

[TonyMS]

We insure with navigators and General. Originally for £50K, recently reduced to a more realistic £25K. Never asked for a survey. paid out with no quibble for a £3k bash last year. Premium only up the this year to reflect loss of NCB.

TonyMS

 

[fifer]

Have you tried craftinsure.com? Completely online and no fuss. I've insured a few boats through them (both fully comp and 3rd party/salvage). Never made a claim, but they've always given great advice over email (even with respect to mast-up yard storage on a 3rd party policy - something the yard wanted me to check) and have been happy to increase their standard cruising grounds for no extra charge. I currently insure a circa 50 year-old Centaur with them, and no insurance survey needed.

I use CraftInsure as well. Very simple

 

[woozy-UK]

I have been with Navigators and General for a few years with their Small Craft Insurance, member of the Zurich Group. Based in Brighton.
Boat is a Leisure 23sl valued at £7,500. Approx 35 years old. Swinging mooring April to end of October.
Cost is less than £200 per year which included dingy, some contents, sails, transport, winter storage, etc.
Personally need such cover as a condition of my Yacht Club Membership.
You need to read their Product Information Document, maybe online?
Never been asked for a survey.
First on list of what is not covered: Loss or damage caused by the craft being in an unseaworthy condition.
Tel: 01273 863400.
email: enquiries@ navandgen.co.uk
web: www.navandgen.co.uk

thats more than i pay for my boat valued at 21k, swing mooring March to Dec, and includes solar panel, dinghy and outboard. £156pa and i have claimed twice in the years i have been with them

GJW

 

[UK-WOOZY]

previous post was me