st599
Well-Known Member
Presumably with the selling of Y's book to Topsail, there may be changes ahead.
Insurance. 12 months on a mooring?
- Thread starter pessimist
- Start date
Koeketiene
Well-Known Member
Koeketiene
Well-Known Member
If that's the case, I will not renew.
Already asked Pants for a quote. They also seem to have a more relaxed attitude towards singlehanded sailing. Y won't budge on their 18 hours rule.
zoidberg
Well-Known Member
Interesting. I and others are required to be insured within the Port of Plymouth, by club and the local authority. Should I arrive back after a period of singlehanding and therefore self-insuring, at what point do I again become insured?
When I secure to my club F-a-A mooring? Or after a couple of hours' sleep at anchor in e.g. Cawsand Bay....? Must I stop somewhere else and grab a zizz...? Or take on a licensed Harbour Pilot...?
When I secure to my club F-a-A mooring? Or after a couple of hours' sleep at anchor in e.g. Cawsand Bay....? Must I stop somewhere else and grab a zizz...? Or take on a licensed Harbour Pilot...?
andsarkit
Well-Known Member
I'm covered for 12 months on the Dart but have come out for the last few years. Dart harbour asked if I was vacating my mooring for the winter as they transfer boats to the more sheltered moorings at Dittisham for the winter.
speak to DHNA as well as your insurer.
speak to DHNA as well as your insurer.
PetiteFleur
Well-Known Member
GJW insist on ashore from 1st Nov to end March on a swinging mooring. But if I'm further up the river, no problem on the River Deben.
stranded
Well-Known Member
Re. “Don’t care”, the only point I would make is that they (Pants) treat you as a grown up but expect you to act like one - “treat the boat as if you were not insured” or some such - that would presumably (and rightly) be a basis for refusing a claim if you were eg to moor somewhere clearly unsuitable, lose the rig/boat because your 25 year old rigging was shot and you had not checked it, etc. etc. Stating the obvious perhaps but not stipulating up front where you can and can not moor is not the same as saying they will necessarily pay out if a claim arises from the insured’s reckless choices.
Gary Fox
N/A
Do Pants insist on a fresh survey?
Y didn't, I undertook to sail and maintain the yacht as if I wasn't insured, which worked fine. Regular maintenance and upgrades, the occasional standing rigging check, that sort of thing.
I am asking informally for advice, before I go to Pants for a quote.
My experience of yacht surveyors is not positive. Huge fees, nit-picking, get-out clauses and shocking ignorance.
Y didn't, I undertook to sail and maintain the yacht as if I wasn't insured, which worked fine. Regular maintenance and upgrades, the occasional standing rigging check, that sort of thing.
I am asking informally for advice, before I go to Pants for a quote.
My experience of yacht surveyors is not positive. Huge fees, nit-picking, get-out clauses and shocking ignorance.
C08
Well-Known Member
My experience with a number of insurance cos is that the insurance is location specific and many locations are ok over winter.
stranded
Well-Known Member
I have never been asked for a survey, fresh or otherwise - we went with them when we bought the boat at 6 years old and she in now 13. I find that the desire not to kill my family is anyway a greater incentive to keep things shipshape than any condition imposed by insurers.
Gary Fox
N/A
Thanks
eddystone
Well-Known Member
I had no problem with GJW on a swinging mooring on the Tamar all year round.
PeterGR
Active Member
My policy was the same that it only covered 31st March to 1st November unless hauled out or in the marina.
So I took out another policy with Craft Insure who have me covered for those 'Winter' months but 3rd-party only.
But that's OK.
They were very very helpful too.
So I took out another policy with Craft Insure who have me covered for those 'Winter' months but 3rd-party only.
But that's OK.
They were very very helpful too.
pyrojames
Well-Known Member
I have had Pants ask for surveys 3 times in 13 years. One on purchase of my now 73 year old vessel, one prior to doing an Atlantic circuit, and one now having made my first ever claim. All entirely justified. It discussions with underwriters in line with work, I told them this, and they asked how I would prove that the boat was well maintained without regular surveys. It was a fair point, and I now have a Planned Maintenance System, which is filled in every month, with action items and dates that all work is done, and which items are held over for the next haulout.
Philipio
New Member
I am on a swinging mooring on inland water in North West England and my insurer wanted the boat out of the water at the end of October.
Due to the corona virus restrictions imposed I contacted them and stated that I could not take it out as per their policy and they charged me an extra £71 to stay on the swinging mooring through winter; obviously with all sorts of exclusions attached.
This made the policy quite expensive so when renewal comes round I will be looking for another insurer.
Due to the corona virus restrictions imposed I contacted them and stated that I could not take it out as per their policy and they charged me an extra £71 to stay on the swinging mooring through winter; obviously with all sorts of exclusions attached.
This made the policy quite expensive so when renewal comes round I will be looking for another insurer.
zoidberg
Well-Known Member
Hacker
Well-Known Member
All chain mooring up against the south-west side by the Greenbank. Prevailing windows get blocked by the Falmouth terraces. Only exposure would be from a NNW/SSE blow. As the mooring is visible from our house at least I’ll be able to wave at her if the mooring ever broke!
oldmanofthehills
Well-Known Member
I am indirectly with euromarine. We had all year round afloat insurance with the boat declared not-in commission over winter (but were permitted minor sea trials as boat typically more at risk when unattended). No extra premium but had to explain sheltered nature of our then drying mooring, and on our new boat, our floating mooring above Saltash, and our attention to and regular inspection of strops etc
zoidberg
Well-Known Member
In here, somewhere, then.
A good spot to have a mooring.... not far at all to the club bar!
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IME Y insurance, or their underwriters, were pretty inflexible on their policies. They would not extend the 18 S/H limit even for a defined, one off passage of 20 hours. They also refused my request to move from a pontoon to a swinging mooring over winter despite there being no financial advantage to me in relocating. The mooring was within a locked, fresh water river and allowed the boat to lie to weather rather than potentially be beam on to a 1 mile fetch on the nearby pontoon, a situation which had damaged the boat the previous winter during a named storm.