Has anybody else noticed

[TheBoatman]

Further to a post running about compulsory licencing, that the insurance companies are now tightening up on when a boat is afloat or ashore time periods.
Recently my borther rang his insurers to give them a date when he was "coming out" only to be told that he should have been "out" 10 days earlier and as such his excess would now be increased from £100 to £500 for the intervening time.
May I suggest that you check with your insurers as to when and what is insured during the out of season periods?
As I'm sure some of you are still afloat when you should be ashore?

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[StephenSails]

My insurers were very unhappy about me keeping the boat in after the end of October. I ended up paying double my monthly premium plus my excess has doubled, I find this very annoying as we have lots of lovely days sailing and all the only real difference is that the Solent is a lot more peaceful, and the air is a bit colder. I would like to keep the boat in all year round but they wont cover me. So I have to pay the rip off prices for storage for 4 months before I am insured to sail her again

<hr width=100% size=1>http://www.yachtinguniverse.com

 

[Solitaire]

I find it very strange - I keep my boat in all year with no penalty. I simply stated on the proposal form that the boat would be in commission for 12 months. In all my years boating that has always been the case. And I've just changed companies last month and same rules applied. May be its a sail vs power thing but I don't see why.

<hr width=100% size=1>Boating is <A target="_blank" HREF=http://www.powerboat-training.co.uk>Serious</A> Fun

 

[brianhumber]

GJW did not seem to mind me extending the period in commission for just Chi and the Solent for a small additional premiuim, excess as my normal amount.
Don't want to rub salt in your wounds but we went for a potter around the forts this weekend and it was great.

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[pandroid]

Strange too. My UK policy with GJW has always been 12 months in comission. Even this year, they were happy for me to leave it in comission in the Baltic, despite it actually being stored in a shed


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[StephenSails]

this is seriously odd as I am insured with GJW and they seem very un-happy about my boat being in commission over the winter at all. I think this is maybe becuase of the size of my boat only being 18' loa.

Still sucks though

<hr width=100% size=1>http://www.yachtinguniverse.com

 

[jimi]

Me too .. mine is insured for 12 months use. I specofivcally asked when reinsuring. Think it might be to do with where the boat is moored. A marina is obviously looked on as being safer over the winter.

<hr width=100% size=1>O wad some Power the giftie gie us
To see oursels as ithers see us!

 

[Solitaire]

Again interesting, I'm not in a marina but on river mooring, still no issue.

<hr width=100% size=1>Boating is <A target="_blank" HREF=http://www.powerboat-training.co.uk>Serious</A> Fun

 

[steve_cronin]

GJW appear to offer all year round.....

only over a specific size. When we had a 23 footer they demanded more premium to extend into November but when we had a 30footer and I rang they said that "...for a boat of that size all year eound wasn't a problem.

Now I've asked them about insurance for my Med based boat twice now and they just havn't responded.

Steve Cronin

<hr width=100% size=1>The above is, like any other post here, only a personal opinion

 

[townquay]

I'm with 'St. Margarets'. Again I have no load for keeping the boat in all year.

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[StugeronSteve]

My insurer offered 12 months in commission without additional premium/excess. Last weekend made me feel so sorry for the owners of the boats that are already laid up!

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[chriscallender]

With craftinsure.com the only restriction is that if I am in Scotland over winter period the boat should be in a marina or ashore when not in use.

As I'm not in Scotland, no worries (although I moved into Port Solent from the mooring for the winter).

I do find it vaguely worrying that Craftinsure can provide what looks like more cover for less money and the old saying
about not getting anything for nothing comes to mind - which just goes to show that there is no pleasing me, I would moan as much if the policy was too dear!!!

I have never had to make a claim on boat insurance touch wood, but hopefully they would pay out if I ever did have to claim.

Chris

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[whisper]

Same here for a 23ft boat on a drying mooring. Perhaps our premiums are higher in any case, to cover it.

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[extravert]

I am insured with them as well, and have had the same thoughts. They are one of the few companies who will insure my type of boat though, so I went with them despite this concern. They are efficient and helpful when discussing and taking out a policy, but does anyone know what they are like when paying out?

<hr width=100% size=1>One day, I hope to own a real boat.

 

[Neal]

Maybe its to do with location?

Eg My old mooring in Ray Gut, near Southend, might reasonably be deemed more tenuous than my current one 10M up the Tamar, ceterus parabus, of course.

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