Insurance Policies- regarding In Commission and Ashore dates

The In Commission and Laid up Ashore dates are printed at the top (2nd Paragraph down) on my policy ( the new one just sent)
The point I'm trying to make is that there is the possibility that twice a year (on lift in and lift out dates) if I wish to amend the dates of my In Commission and Laid Up Ashore dates (due to changes in dates for such by the club, tides, weather, circumstances, etc) I may have to pay an extra £35 or so for maybe 5-10 days extra insurance? When the policy fee is £148 per year, that constitutes almost 25% more on the policy price?
I'm just a bit dissapointed that there is no leeway either side of the agreed dates without inflicting such heavy additional charges? I'd rather find an Insurance Co. that is a bit more flexible on such issues, so will be doing a bit more research when it comes to renewal in September thats for sure!
 
Why not go back and just ask them for a longer period afloat so that you have leeway. Unless there is a reason for the restriction to do with your location it is unlikely to affect your premium. With a premium at that level most of the cost is for the third party element.

Spend an hour or so getting some on line quotes to see how your current premium compares as you may find even with the current penalty it is still a good deal, or on the other hand it may encourage you to move insurer!
 
I see you are in Langstone. I'm on a swinging mooring at Emsworth and have all year in commission with no stipulation whether on the mooring, in marina, or ashore. Very similar premium (Sadler 29). Is it possible that you mentioned dates when you first took out the policy and these simply became incorporated into the policy by default? Agree, just ask them!

(from the risk point of view, I think I would consider haul-out/in one of the highest risk situations :( ).
 
I think thats what I may do. Generally our club launches before the end of March (usually before Easter) and then recovers the last week or so of October. If I do In Commission from say the 15th March and then ashore from the 5th Novemebr, that should be give enough leeway.
Only downside is that if the boat is damaged/broken into/had stuff stolen from when ashore, I guess i'd not be covered? Catch 22 I guess? Am I more likely to have a claim ashore, than when afloat? Who knows, but I guess its a risk worth taking ( I do know that some of our boats were broken into last year whilst ashore and things stolen especially props and electronics)
 
mickywillis said:
I think thats what I may do. Generally our club launches before the end of March (usually before Easter) and then recovers the last week or so of October. If I do In Commission from say the 15th March and then ashore from the 5th Novemebr, that should be give enough leeway.
Only downside is that if the boat is damaged/broken into/had stuff stolen from when ashore, I guess i'd not be covered? Catch 22 I guess? Am I more likely to have a claim ashore, than when afloat? Who knows, but I guess its a risk worth taking ( I do know that some of our boats were broken into last year whilst ashore and things stolen especially props and electronics)
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Check the wording of the policy carefully. 'In commission' does not mean being afloat, it means being fitted out and ready for use. A boat can be 'in commission' whilst ashore. Similarly 'laid up' does not necessarily mean 'ashore' it means destored and 'preserved' eg winterised. So don't ask for 'in commission' dates ask for laid up ashore dates of, say, 01/12 to 28/2. That way you are covered for all eventualities as long as you are ashore between those two dates. In the past I have had 12 months in commission and it has cost no more than with a period laid up ashore.
I'm sure if you talk to them and explain the situation they will come up with an appropriate set of warranties.
 
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