Insurance. 12 months on a mooring?

pessimist

pessimist

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I was under the impression that most insurers required an 8/4 or even 6/6 split between a mooring and marina/haulout. This was certainly the case when we asked Y for a quote earlier this year. The photo below was taken in the Dart yesterday so either I'm labouring under a misconception or there are a lot of people taking a punt. Just curious.

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It varies from underwriter to underwriter. I changed mine when they started demanding a 1 Nov haul-out.

The original one wouldn't yield even when I pointed out that four yachts in two different yards had been damaged in a November storm, but none of the yachts left on a mooring.
 
Depends on your policy. I am afloat and in commission 12/12, OK I am in a marina in Plymouth as are hundreds of other boats. Some of the best sailing is with a nice high pressure.
 
pessimist said:
I was under the impression that most insurers required an 8/4 or even 6/6 split between a mooring and marina/haulout. This was certainly the case when we asked Y for a quote earlier this year. The photo below was taken in the Dart yesterday so either I'm labouring under a misconception or there are a lot of people taking a punt. Just curious.

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Reply from Pants yesterday in reply to an enquiry about year round Dart mooring:

“Thank you for your email of 08/12/2020. The terms and conditions of the insurance do not specify any particular mooring requirements or restrictions. As such, provided that the vessel remains in the cruising area noted on the policy, the vessel remains covered in or out of the water for the 12 month period of the insurance.”

It’s like that re. Eg Single handing, rigging replacement, surveys. For just a little bit more premium you get a lot more latitude.
 
Sandy said:
Depends on your policy. I am afloat and in commission 12/12, OK I am in a marina in Plymouth as are hundreds of other boats. Some of the best sailing is with a nice high pressure.
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But that’s not what the Op asked - he mentioned a mooring and showed a picture of boats moored on the Dart.

My policy with Y states that I must be either in a Marina or Hauled out from 1st Nov to 31st March.

I’ll find out next year if Topsail have a different approach .......
 
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stranded said:
Reply from Pants yesterday in reply to an enquiry about year round Dart mooring:

“Thank you for your email of 08/12/2020. The terms and conditions of the insurance do not specify any particular mooring requirements or restrictions. As such, provided that the vessel remains in the cruising area noted on the policy, the vessel remains covered in or out of the water for the 12 month period of the insurance.”

It’s like that re. Eg Single handing, rigging replacement, surveys. For just a little bit more premium you get a lot more latitude.
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Yes, we use Pants too. Usually we stay afloat on the Dart but this year we're ashore for some maintenance work. We took a trip up the river yesterday and I believe there are far more boats on the moorings than in previous years. Covid?
 
GJW just adjust the excess depending on all the various scenarios I have presented them with.
 
I’m insured with Y yachts. On the initial proposal they put in a requirement to be out from (I think) Oct to Mar. When I asked for a longer period they agreed to Nov to Mar. I then said that I was looking for 12 months as I was in a sheltered mooring in Falmouth. They checked with the broker who agreed to that.
 
As others have said I think much depends on the mooring in question. GJW and others will not insure my boat at all on its summer swinging mooring but I would have no trouble getting 12 months afloat in a marina. The company I’m with will provide cover from 1/3 - 31/10 but then the boat must be out of the water or in a marina.
 
Looks like I shall be going with Pants come renewal.

I was surprised that no details of mooring or berth were required when getting a quote. Turns out they don't ask cos basically they don't care!

Vis earlier discussions, they *may* be prepared to accept an older survey with an owner's statement of current condition (subject to details nearer the time) which is the best offer I've had yet!
 
Most insurance companies won't insure boats on swinging moorings for 12 months in North Wales and North West of England,if lucky you may have summer months only.
 
KevinT1 said:
But that’s not what the Op asked - he mentioned a mooring and showed a picture of boats moored on the Dart.

My policy with Y states that I must be either in a Marina or Hauled out from 1st Nov to 31st March.

I’ll find out next year if Topsail have a different approach .......
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I know, but currently I'm not on a swing mooring. had that particular joy for five years. I was merely pointing out that not a million miles away they are hundreds of boats still afloat and in commission. I shall enjoy a wee trip or two round to the Dart over the winter.
 
I was due to be ashore by the 1st November in accordance with my standard split afloat/layup. Because of unforeseen circumstances (nothing to do with me) I informed the Underwriters who unusually under this unusual year my policy was amended to 12 months afloat or 12 months ashore. In previous occasions, I have made a similar request to stay afloat for another two weeks or so. In those days, the Underwiter agreed an extension but subject to double excesses.
 
I am with Y, whose insurers did not allow me to stay on my solid swinging mooring on the Dart between the upper ferry and D'sum for the winter so had to move down to a pontoon off Dartmouth. Extra cost of course .
Illogical in my mind as the mooring is adjacent to a live aboard [so theft unlikely] and the DHNA mooring itself was checked in March 2020, and in a sheltered position.
Chain and two 16mm octoplait lines for a bridle, and with the arrangement photographed, but still not allowed.
On top of all this the premium was greatly increased.
Considering trying 3rd party only for next year.
 
I have always found that insurers will do whatever you ask them to and adjust the premium accordingly. My boat is covered to be afloat for 365 days a year.
 
Whitlock said:
I have always found that insurers will do whatever you ask them to and adjust the premium accordingly. My boat is covered to be afloat for 365 days a year.
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I'm with Y and on mooring, covered 365 in commission but not in UK. GJW wouldn't quote. Had problems obtaining mooring based winter cover in Conwy , too many claims there according to some insurers. IIRC, ended up with Towergate.
 
I don't think you will find anyone to insure you for 12 months on a swinging mooring in Portland Harbour!
I have no problems with 12 months on the water on a fore and aft mooring on the river Frome.
I know that Craftinsure will only insure boats moored in a specific list of locations whether it is summer or winter. They all take a view on location and type of mooring more so (I think) than the period in the water.
 
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