prv
Well-Known Member
How much roughly would having something like a full yacht master license effect insurance, or at least a coastal yacht master license.
"License" is not quite the right word, as it means official permission to do something you're otherwise not allowed to. And as a British person in a British-registered vessel you already have a perfect right to operate any boat under 24 metres for your own private purposes.
That said, if you have no sailing experience then a training course is a very good idea. The RYA do a graded series of courses -
Competent Crew
Day Skipper
Coastal Skipper / Yachtmaster Coastal (they rebranded and messed about with this one a bit, I'm not quite certain of the details)
Yachtmaster Offshore
Yachtmaster Ocean
The ones with Yachtmaster in the name involve a practical exam, the others you're assessed over the course and passed unless you prove a complete numpty.
How much difference do they make to insurance? I don't know, to be honest, as I've never compared. But my gut feeling is that if you can't point to years of prior experience then a Day Skipper ticket might well make a useful difference.
And if you were somewhere unfamiliar how do you know your boat is totally safe when moored when you are on shore?
How do you know your car is totally safe when you park it on the street in a strange city? The answer is that you don't. That's what insurance is for. But I don't think that theft of or from boats on a cruise is a big problem, it's not something we hear much about. Theft from boats left long-term on isolated moorings (or even less-secure marinas) can sometimes be a problem. I've only known of one boat itself being stolen, they're not very easy to move or to hide.
Pete