Insurance for a small, older boat

[madabouttheboat]

I have a solid little grp cruiser built in the 1970's but upgraded with a new engine and all restored to nice condition. When I go to insure it, I am having difficulty due to its age. Craft insure, who I have used in the past, only ensure boats up to 40 years old. Insure4boats won't insure a boat of this age for coastal use, even though that is what it is designed for and is perfectly capable of dealing with it.

The other thing seems to be the requirement for a full survey. I do sort of get this, but the boat only has a value of 3-4K, so paying 10% of this every few years seems a bit extreme, particularly as I know that the boat is in tip top condition.

So, the question is: are there any easier-to-deal-with insurance companies that will insure the boat for its intended purpose using either photographic evidence of its condition, or allowing me to self certify?

I know I could go third party, but I keep it on a trailer and am most concerned about theft, rather than an on-the-water claim.

 

[Pump-Out]

Suggestion sent by PM
No financial interest, just worked with them before.

 

[ontheplane]

I used to use GJW - no financial interest.

I can also say when I had to claim once they were excellent...

 

[C08]

My boat is 1975 and I last had a survey 2007. With Navigators & General. 1 claim for breakin/theft of items and 1 claim for a pontoon incident and damage to another boat (my fault-engine failure), both were paid out without quibble or difficulty.

 

[Fantasie 19]

I have a solid little grp cruiser built in the 1970's but upgraded with a new engine and all restored to nice condition. When I go to insure it, I am having difficulty due to its age. Craft insure, who I have used in the past, only ensure boats up to 40 years old. Insure4boats won't insure a boat of this age for coastal use, even though that is what it is designed for and is perfectly capable of dealing with it.

The other thing seems to be the requirement for a full survey. I do sort of get this, but the boat only has a value of 3-4K, so paying 10% of this every few years seems a bit extreme, particularly as I know that the boat is in tip top condition.

So, the question is: are there any easier-to-deal-with insurance companies that will insure the boat for its intended purpose using either photographic evidence of its condition, or allowing me to self certify?

I know I could go third party, but I keep it on a trailer and am most concerned about theft, rather than an on-the-water claim.

I am with CraftInsure and I have been with them a number of years now - easy to do business with, pragmatic, and paid up on two claims without a quibble.. and my boat was launched 1967 - just saying...