Insurance maintenance recommendations-unreasonable?

[Halo]

My insurance renewal documents are web based and include a big document giving recommendations for boat maintenance.
Under spars and rigging it recommends that all split pins and circlips are replaced each season,bent back properly and re taped.
Do you think that this reasonable!??
I will try and upload a copy of the relevant page

 

[Halo]

Photo of page

 

[BabaYaga]

Under spars and rigging it recommends that all split pins and circlips are replaced each season,bent back properly and re taped.
Do you think that this reasonable!??

Selden recommends change out split pins after they have been bent to close 10 times, which might mean 10 years of service for a mast unstept each season.
Further good advice on page 20 in their Hints and advice booklet.

 

[RunAgroundHard]

It is reasonable to inspect your rigging annually, and after any significant event that may have stressed it e.g. grounding, a storm. Normally OEM recommendations are sufficient, I would have thought. The advice from the insurance company is a bit excessive in my opinion.

 

[Stemar]

[cynic] Do they know that very few people will do this, so they have an excuse not to pay out in the case of a dismasting?[/cynic]

 

[footsoldier]

The danger, of course, is that the insurers will have a reason to wriggle out of any claim by saying that you have failed to comply with their recommended maintenance schedule, however ridiculous.

 

[westernman]

The danger, of course, is that the insurers will have a reason to wriggle out of any claim by saying that you have failed to comply with their recommended maintenance schedule, however ridiculous.

I would have thought that if you had followed the manufacturers recommendations that a lawyer should be able to put an end to the wriggle.

The manufacturers would be deemed to be experts and the insurance company would have a hard time convincing the judge that they know more than the manufacturer.

 

[Boathook]

I'm with N&G so will have to look now. Personally I think that their expectations is unreasonable and I would go with the mast or equipment manufactures. If my mast came down each year I suspect that I would use new split pins each time as trying to straighten out old ones to reuse is a pain.

Edit. It is guidance and just glancing at the document I do most of the things to maintain my boat to a reasonable standard bearing in mind that she was 'constructed' around 1976.
I even had her fully surveyed for my own benefit around a year ago just to get a professionals view of likely problem areas / what to keep any eye on.

 

[Jim@sea]

When I bought a boat in France in order to get it insured the insurance company (AXA)made it a condition that I had it surveyed and valued before and send them a copy,
In the UK people can buy boats and insure them for the same value that a similar boat would be up for sale at with a boat broker in excellent condition. its only when there is a claim that questions are asked about how much it cost and the service history.

 

[Jon magowan]

How on earth can you prove or disprove when exactly the split pins etc have been changed ?

 

[jwilson]

If a professional rigger is asked to check your rig, would he/she automatically remove and replace every split pin? No methinks, unless specifically asked to do this.

 

[Sandy]

It is reasonable to inspect your rigging annually, and after any significant event that may have stressed it e.g. grounding, a storm. Normally OEM recommendations are sufficient, I would have thought. The advice from the insurance company is a bit excessive in my opinion.

Annually! I inspect it every time I step aboard, then daily on passage.

Not up the mast, but with binoculars to see if anything has changed.

 

[BabaYaga]

The wording of the insurer that the split pins should be ’properly turned back on themselfs’ sounds a bit suspect to my ears. According to Selden they should only be opened 2 x 10 degrees in order to lock them. Then taped, of course.

 

[Tranona]

When I bought a boat in France in order to get it insured the insurance company (AXA)made it a condition that I had it surveyed and valued before and send them a copy,
In the UK people can buy boats and insure them for the same value that a similar boat would be up for sale at with a boat broker in excellent condition. its only when there is a claim that questions are asked about how much it cost and the service history.

That is simply not true. Almost all insurers now will insist on a survey and valuation before insuring the boat for all risks. Some will also ask for a survey for third party if it includes wreck removal.

 

[RunAgroundHard]

The wording of the insurer that the split pins should be ’properly turned back on themselfs’ sounds a bit suspect to my ears. According to Selden they should only be opened 2 x 10 degrees in order to lock them. Then taped, of course.

Both practises are correct. For split pins that move with the device, bending back is usually more secure as a snagged splayed pin can pull out. For stationary rigging, the splayed advice is good enough. Also if the split pin protrudes, bending right back can be easier to make snag free. Horses for courses.

 

[geem]

My insurance renewal documents are web based and include a big document giving recommendations for boat maintenance.
Under spars and rigging it recommends that all split pins and circlips are replaced each season,bent back properly and re taped.
Do you think that this reasonable!??
I will try and upload a copy of the relevant page

Why not speak to them? Ask them if they would invalidate the insurance if you hadn't changed the split pins every year.

 

[westernman]

That is simply not true. Almost all insurers now will insist on a survey and valuation before insuring the boat for all risks. Some will also ask for a survey for third party if it includes wreck removal.

Wreck removal insurance is a necessary condition for a marina contract in much of the Med.

 

[Tranona]

Wreck removal insurance is a necessary condition for a marina contract in much of the Med.

Same here which causes problems for some who only have third party which may not include wreck removal. Fortunately it really is not a big problem because sinkings are so rare. In my experience marinas do not check insurance but rely on a declaration by the boat owner (many of whom I guess have not actually checked whether they are covered)

 

[Refueler]

I would have thought that if you had followed the manufacturers recommendations that a lawyer should be able to put an end to the wriggle.

The manufacturers would be deemed to be experts and the insurance company would have a hard time convincing the judge that they know more than the manufacturer.

Wish you luck ..... Insurance are notorious for holding out ...

 

[RunAgroundHard]

... In my experience marinas do not check insurance but rely on a declaration by the boat owner ...

Indeed my experience as well before this years renewal. However, this year, my marina for the first time insisted that renewals were accompanied by a copy of the insurance certificate, along with the usual declaration of insurer and value on the annual berth agreement renewal form. I don't think the marina actually checks the certificate, just hold it on file.