Insurance recommendation for new boat on a trailer parked in the driveway.

wipe_out

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Just been in touch with the insurance company that we used to cover our old boat to get the details for the new boat that will be on a trailer parked in the driveway.. Reading through the policy its unclear whether they cover the boat at all while its being towed (I have asked for clarification) and it seems they want an endorsement stating that the boat must be stored in a secure compound or building, which the driveway isn't (again I have asked for clarification)..

Maybe they just aren't geared up for or aren't interested in insuring boats on trailers so I thought it best to ask the question here..

Anyone have any recommendations for insuring a boat on a trailer that is parked in the driveway and that is actually covered while in the driveway, on the road or on the water?

Thanks..
 

mlines

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Finchampstead, Wokingham, Berks
I use Craftinsure.


They have the locks clause:

"Theft of “Witch Way (Regal 2250)” on a trailer when left unattended, unless the trailer has been fitted with and securely
locked by a purpose manufactured wheel clamp and hitch lock"


But no restriction on the storage location as far as I can see.

They do not cover you for towing but that was covered by my car insurance, however you have prompted me to check as I have changed my car insurer recently!

Martin
 

mlines

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Now having read my car insurance it covers me for third party claims arising from towing the boat.

The boat insurance specifically DOES NOT cover me for third party claims arising from towing the boat.

However the boat insurance does seem to cover me for accidental damage to the boat itself.
 

wipe_out

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Thanks.. They have clarified it and it seems fine.. I missed a point further up in the policy wording that changed all the things that looked like they were excluded to a list of things that are included..

Similarly to yours they have also said the car insurance has to pick up the third party liability on the road so I will have to check that as well..
 

Nick_H

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On a related point, I had a trailer wheel bearing fail on the motorway, and found that recovery wasn't included under the cars AA policy. No big deal, I just had to pay the recovery firm myself, but better to know these things.
 
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