Insurance for your Tender

[Bigplumbs]

I of course have insurance for my main boat but I do not have separate insurance for my blow up tender. I use the tender well as a tender to and from the main boat but also for a bit of fun honing around. It does go about 20 knts so could cause damage to persons or property if an accident happened. I was wondering if most people have separate insurance for their tender particularly third party ?

Dennis

 

[jrudge]

It is usually listed on the main boat policy. Mine specifies the tender it's hin and value.

I have never enquiries specifically if it has 3rd party cover but I would imagine so.

I do know that some clauses are inoperative for fast boats ( i.e. If design speed over 30knotts x y z do not apply.

Suppose I need to get the policy out !

 

[BartW]

I have the tender written seperately om the Insurance certificate from the main boat,
but don't pay extra for that.
for this summer I even had a tender jetski added on it,
and again didn't pay extra for that
but I think I already pay enough for the mother ship

 

[Bigplumbs]

Interesting my main boat is a cuddy on a swing mooring and is small at 19ft so I don't pay a very high premium. I also need to enquire of Craft insure. Also I sometimes just use the tender and never go near the main boat so that sort of raises questions in my mind also

Dennis

 

[Nick_H]

My tender is listed and valued seperately on the main boat insurance policy, and i've had the waterskiing/ringos exclusion removed.

 

[Bigplumbs]

Just read my main policy and it covers skiing but not inflatables interesting !. Don't say anything about my tender though I have sent them an email

Dennis

 

[rafiki_]

Mine is also named and valued on the policy for Rafiki.

 

[Bigplumbs]

What excellent service. CraftInsure have agreed to cover my tender with an endorsement for £10 extra. Cant complain about that

Dennis

 

[jcwads]

I phoned up my insurance company and added on my tender and outboard when I purchased them recently. Cost an extra £10, but I have peace of mind they are fully insured. Definitely worth doing.

 

[Bigplumbs]

I phoned up my insurance company and added on my tender and outboard when I purchased them recently. Cost an extra £10, but I have peace of mind they are fully insured.

Definitely worth doing.

So now to the question. If you sort of just go honing about in your tender do you think it is still covered

Dennis

 

[BruceK]

Interesting. CraftInsure cover my tender part and parcel of the main boat's under ancilliaries, but this is against loss and so I am now not certain if it cover's 3rd party. I'll have to check. I wonder if the tender gets included with a boat's size and classification and your's being of a smaller size this is omitted by default or treated as seperate because it's not strictly speaking the cuddy's tender but a tender used to get to your boat. Hair splitting I know but it seems that's how these things sometimes work.

.... ???

Interesting post

EDIT: Our harbour authority stipulates a 5m policy requirement for all boats in the harbour or using the slipway but makes no requirement for tenders.

 

[Bigplumbs]

Interesting. CraftInsure cover my tender part and parcel of the main boat's under ancilliaries, but this is against loss and so I am now not certain if it cover's 3rd party. I'll have to check. I wonder if the tender gets included with a boat's size and classification and your's being of a smaller size this is omitted by default or treated as seperate because it's not strictly speaking the cuddy's tender but a tender used to get to your boat. Hair splitting I know but it seems that's how these things sometimes work.

.... ???

Interesting post

EDIT: Our harbour authority stipulates a 5m policy requirement for all boats in the harbour or using the slipway but makes no requirement for tenders.

Yes because mine is a 19 footer it is classed as a speedboat and is on a speedboat policy. It is because I have it on a swing mooring I need a tender. And that is why they added the endorsement. The important thing for these tenders that we tend to use as toys as well as tenders is the 3rd Party. It was important for the policy that it was marked as 'Tender To .....'

Dennis

 

[BruceK]

Makes sense. The Harbour authority does stipulate that all tenders are marked as Tender To... which I thought may be related to leaving them ashore or in the racks but may well be because of that clause and related legalities. I'll have to enquire about that to now.