GJW Insurance clause

[gjgm]

At more than 26ft, boats typically become too heavy to tow so, although the length itself isn't enshrined in law, it is roughly about the longest boat you can tow. (I accept there will always be exceptions)

Sure, Neale, I am just saying I do not think there is a legal limit on the length itself (but I might be wrong)

 

[Wiggo]

Gary,

As others have pointed out, the definition of 'unattended' is probably the critical one - mostly I suspect it applies to leaving the boat at anchor for the week while you go home, rather than sitting on the beach looking at it.

My presonal recommendation is to talk to Renny Gold at EIS - 01843 603345 http://www.euromarine-ltd.com/. Fabulous service and always competitive.

 

[neale]

Gary,

As others have pointed out, the definition of 'unattended' is probably the critical one - mostly I suspect it applies to leaving the boat at anchor for the week while you go home, rather than sitting on the beach looking at it.

My presonal recommendation is to talk to Renny Gold at EIS - 01843 603345 http://www.euromarine-ltd.com/. Fabulous service and always competitive.

I have copied and pasted the below from another thread on the subject. It would seem that Euromarine would not be suitable for the OP

Just had a very competitive quote from Euromarine. Almost half price in fact. The trouble with the quote is with this clause, which applies to all boats capable of more than 17 knots:

3. Loss or damage to the rudder, propeller, strut, shaft, motor, electrical machinery or batteries, and their connections, caused by the vessel striking a submerged or partially submerged object whilst underway, is subject to a £100 excess in addition to the total excess specified on the schedule.

The maximum amount payable under Clause 3 of this Special Endorsement during the period of insurance is limited to £1,500.

So this, together with the £250 standard excess, means that I am only ever going to be able to claim £1150 for possible damage to my outdrive if I hit something in the water That wouldn't even pay for my props.

 

[Wiggo]

Which is odd as they just paid out almost three grand on my recent claim for underwater damage that resulted in a bent shaft and destroyed coupling. Like I said, talk to Renny...

 

[oGaryo]

Gary,

As others have pointed out, the definition of 'unattended' is probably the critical one - mostly I suspect it applies to leaving the boat at anchor for the week while you go home, rather than sitting on the beach looking at it.

My presonal recommendation is to talk to Renny Gold at EIS - 01843 603345 http://www.euromarine-ltd.com/. Fabulous service and always competitive.

Thanks Graham, have just given them a buzz.. will hopefully be in a position soon to return the hospitality you've shown us the last two seasons and squeeze you aboard for a bite to eat and a beer next summer not a patio door flybridge but should be big enough to feed a water you guys...... 2 seasons can't believe they've come and gone so quickly!

 

[DavidJ]

Nothing to do with your question but I'm reminded of the time we took some friends for a late night BBQ on a beach and my friend remarked how interesting it was that as it got darker my ride light looked further away. It was (as you have guessed!) drifting away on its anchor.

 

[ian38_39]

Anyone had any experience of Towergate Mardon,

We Have been with them for 5 years and they seem to offer a good standard of cover at a very god price.

The reason we originally went with them was no one else would give us anything like an affordable quote for a 26' tein engine sports cruiser with no experience.

We have never claimed from them so I wondered if anyone had and how they got on?

 

[macnorton]

But your boat is greater than 26ft LOA. LOA means overall with all the bits bolted on! To be honest many policies include this bit about being left unattended off a beach although one, I can't remember which now, said that being in sight of the boat was considered to be in attendance. Ie, if you are on the beach you will be covered as long as you have visual on the boat so you don't actually have to be on board.

I have been through this process recently and have read lots and lots of small print. It came down to N&G and GJW for me, and GJW won on price. They do have a clause about needing a 2kg fire extinguisher in the galley but I phoned them and got written confirmation that 2 x 1kg extinguishers was acceptable. This was what I had, so I was happy with that.

Boats are registered using the hull lenth, the EA tried to charge me LOA for a licence and had to back down (I can be a stubborn sod).

Haven insurance accept that being in sight of the boat is considered to be in attendance.

 

[duncan]

Anyone had any experience of Towergate Mardon,

We Have been with them for 5 years and they seem to offer a good standard of cover at a very god price.

The reason we originally went with them was no one else would give us anything like an affordable quote for a 26' tein engine sports cruiser with no experience.

We have never claimed from them so I wondered if anyone had and how they got on?

been with them 9 years

2 claims - the second went easier than the first; but that was because I had a better understanding of the marine industry overall!

I would recommend them overall.

 

[Ubergeekian]

But how about a glider trailer...is that less than 25 ft or whatever? Short fuselage.

The maximum trailer length does not apply to trailers specially constructed to carry a single indivisible load. That should apply to a boat just as much as to a glider.

 

[Scubadoo]

I am with GJW and have been for over 10years, my boat is 25ft boat and when I noticed those clauses I called them and ended with lots of endorsements such as (not got the policy to hand but from memory):

- Anchor unattended out of sight
- Single handed boating at night
- Extended cruising range
- Greater than 17knots etc
and a few more I can't think of.

They were very good on the phone, they just checked a few things with you etc and then your done.