japonica
New Member
Anyone know a reliable insurance company that will insure a wooden boat without the expense of providing a survey?
Insurance for wooden boats????
- Thread starter japonica
- Start date
Porthandbuoy
Well-Known Member
Try Pantaenius.
finnlou
Well-Known Member
FWB
N/A
Try Hayes Parsons Marine 0117 930 1660... The Chairman has a wooden yacht.
oldharry
Well-Known Member
Bishop Skinner insured mine without survey - but theres a sting in the tail. The Policy requires that I should have 'taken all reasonable steps to ensure the boat is seaworhy'.
So what steps should I take? The only 'reasonable step' I can think of to establish whether the boat is seaworthy is to employ a surveyor and get an independent report on the boats condition.... In practice I pay a boat builder go over her each winter with me - although so far we have found nothing I did not already know about!
Unfortunately this is not a hypothetical question: a boat was on its mooring awaiting rudder spares to be sourced during the 1990 hurricane: another boat broke free collided with it, and sank it. Because the steering was defective, the boat was deemed not to be in seaworthy condition, and the claim was rejected because the policy terms had not been complied with, even though the fault had nothing whatever to do with the sinking and in no way compromised the hull's watertight integrity.
So what steps should I take? The only 'reasonable step' I can think of to establish whether the boat is seaworthy is to employ a surveyor and get an independent report on the boats condition.... In practice I pay a boat builder go over her each winter with me - although so far we have found nothing I did not already know about!
Unfortunately this is not a hypothetical question: a boat was on its mooring awaiting rudder spares to be sourced during the 1990 hurricane: another boat broke free collided with it, and sank it. Because the steering was defective, the boat was deemed not to be in seaworthy condition, and the claim was rejected because the policy terms had not been complied with, even though the fault had nothing whatever to do with the sinking and in no way compromised the hull's watertight integrity.
finnlou
Well-Known Member
yes but sea worthiness is not just the fact that it can float, if you can't steer it then it is not really sea worthy. I would imagine however, that had they informed the insurance company that it was moored awaiting repair (at the time rather than after the fact) then they would have been covered.
but then, shouldn't the other boat owner pay for the damages, since it was their boat that caused the accident
but then, shouldn't the other boat owner pay for the damages, since it was their boat that caused the accident
noblemarine
Well-Known Member
How big is the boat and how old is she?
oldharry
Well-Known Member
I think that was the problem: they had not notified the insurers that it was out of comission at the time. If memory serves me correctly the other vessel was not insured
finnlou
Well-Known Member
I will resind my recomendation of Bishop Skinner, since even though they told me in January that all they needed were photos of the boat, now that I have come to insure it to put it backk in the water, they have informed me that because it is approx 50 years old none of their underwrites will insure it, so can anyone recommend insurers for a 50 year old wooden fishing boat, or will I have to use her as an expensive bonfire
japonica
New Member
Strip planked "Tucker" T23 (23ft)
Built 1980
Built 1980
