Insurance on non-tidal

jecuk

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Interested in an insurance thread where you do the following. Please fill in the following:

1. Type of boat
2. Type of mooring
3. Premium as % of insured value
4. Non-tidal or non-tidal and coastal?
5. Insurance Company

Thinking this could be useful to give people an idea of what insurance should be.
 

Mirror Painter

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1. 16' 6" GRP cruiser, built early 1970's.
2. Private land, gated, end of field.
3. 5% - Fully comprehensive.
4. Inland and coastal waterways of U.K. European waters for 30 days per annum!
5. Noble Marine
 
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jecuk

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One thing I would point out is that generally smaller boats will have a higher % due to the dominant factor being collision with other boats/people etc rather than loss of own vessel. I just thought % was a good way to anonymise boat value which most of us would prefer not to stick online.
 

Mirror Painter

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Understood. Plus my boat is about as low cost as one can get afloat with and sleep aboard. If the insurance premium was not a reasonable percentage of value it wouldn't be worth any company offering the insurance!


One thing I would point out is that generally smaller boats will have a higher % due to the dominant factor being collision with other boats/people etc rather than loss of own vessel. I just thought % was a good way to anonymise boat value which most of us would prefer not to stick online.
 

joejo

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1. Type of boat Sealine
2. Type of mooring Marina
3. Premium as % of insured value 0.8%
4. Non-tidal or non-tidal and coastal? non tidal and to barrier + 30 days coastal
5. Insurance Company Navigators and General
 

No Regrets

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30ft 1975 Cruiser

Marina based

0.1% insurance premium (£300 prem, 30K agreed value)

Thames only, to Barrier

Nav&Gen
 

miket

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Boathandling and not navigation!

Interesting Mike. Because you can better tell upstream from downstream? Sorry, just funny to get a discount for that on an inland only policy.
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Hi Jecuk
I think it reflects the boathandling aspect rather than navigation. I also receive less of a loading if I extend the policy for a fixed period cross channel.
 

Gavi

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27' 1998 steel cruiser

Own mooring

Value £28k... premium £190 = 0.68%

Inland and coastal cover
 

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