insurance renewal full survey

Seakindly

Seakindly

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I think I've seen this topic elsewhere so apologise for old topic - is anyone else subject to renewal full, out of water surveys? Seems a lot of bother, money and a general nuisance. It's the first time in over a decade of insuring different boats that I've been asked for this and they're even suggesting particular branded surveyors. No claims or incidents ever. Any views?
 
Seakindly said:
I think I've seen this topic elsewhere so apologise for old topic - is anyone else subject to renewal full, out of water surveys? Seems a lot of bother, money and a general nuisance. It's the first time in over a decade of insuring different boats that I've been asked for this and they're even suggesting particular branded surveyors. No claims or incidents ever. Any views?
Click to expand...

they should give you 12 months notice not spring it on you.

give Barrie Sullivan a ring
http://www.yyachtinsurance.com/OurUnderwriters.cfm

i have just changed with no survey
 
I have to have one every 7 years - in fact I'm having an insurance survey next week. With my last boat the survey picked up something that the purchase survey had missed - brass bolts in bronze skinfittings that had almost eaten away:eek: So I don't think it's a bad thing to get it looked over every now and then - oK it's another £45 a year. But it has got me to take my old out-of-date fire extinguishers in for a recharge.

They, GJW, gave me a years notice.
 
We just changed to Y Yacht (Barrie Sullivan) after 14 years of St Margarets/HKJ.
Premium around 12% cheaper, no survey - just sent pictures of inside and outside views. Also pay in four instalments at no extra cost.....
 
I know there's a lot of resentment about having to have a survey every seven years, but it's not that onerous and annual the cost is small.
It's a good idea to have an independent pair of eyes check your boat. I think I know my boat inside out but the surveyor picked up some items which I had missed [or chosen to ignore].
Most were trivial things but a couple were important items which were cheap to remedy but could have had major consequences.
Would you object if you had to have your car tested every seven years?
 
The survey, providing good and any recommendations are complied with, can work in your favour. If you are unfortunate to be in the position of making a claim the survey is undesputable proof of the condition of the vessel prior to the incident and something which a reputable (!?) insurer will not dispute. It is also the basis on which the insurer has offered and on which you have accepted cover.

I used to be insured through some scumbucket brokers who didn't require a survey, ever. When I had to claim they refused it on the grounds that i couldn't prove the vessel was sound before the incident. Remember, the onus is on you to prove the insurers are liable.
 
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DanTribe said:
I know there's a lot of resentment about having to have a survey every seven years, but it's not that onerous and annual the cost is small.
It's a good idea to have an independent pair of eyes check your boat. I think I know my boat inside out but the surveyor picked up some items which I had missed [or chosen to ignore].
Most were trivial things but a couple were important items which were cheap to remedy but could have had major consequences.
Would you object if you had to have your car tested every seven years?
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I did when the MOT was introduced!
 
Survey survived!

I had my insurance survey today.

"If all boats were this good there wouldn't be any need for surveys"

The hull moisture readings were so low he had to check that his instrument was correctly calibrated :) Not bad for a 24yr old boat that is afloat 50 weeks of the year.

Fortunately he didn't survey the skipper.......:o:)
 
I would like to see some sort of actuarial feedback from insurers.

Without knowing the breakdown of the nature of insurance claims it is impossible to ascertain what or what not is important for an insurance survey.

A hull moisture reading does not prove anything in insurance terms. Osmosis will not sink a yacht and I doubt very much if any insurance company would entertain a claim for 'osmosis'. So why include it in the survey as in this example:

http://www.jaysonsibley.com/surveys.html

What interests me is that rig failure must be one of the most common sources of claims - and yet, shrouds and stays are not tested with an electronic rig tester. Terminals and sheaves are merely 'examined' with the naked eye.
 
MoodySabre said:
I had my insurance survey today.

"If all boats were this good there wouldn't be any need for surveys"

The hull moisture readings were so low he had to check that his instrument was correctly calibrated :) Not bad for a 24yr old boat that is afloat 50 weeks of the year.

Fortunately he didn't survey the skipper.......:o:)
Click to expand...

Who did yours and how much if you don't mind me asking?
 
chinita said:
I would like to see some sort of actuarial feedback from insurers.

Without knowing the breakdown of the nature of insurance claims it is impossible to ascertain what or what not is important for an insurance survey.

A hull moisture reading does not prove anything in insurance terms. Osmosis will not sink a yacht and I doubt very much if any insurance company would entertain a claim for 'osmosis'. So why include it in the survey as in this example:

http://www.jaysonsibley.com/surveys.html

What interests me is that rig failure must be one of the most common sources of claims - and yet, shrouds and stays are not tested with an electronic rig tester. Terminals and sheaves are merely 'examined' with the naked eye.
Click to expand...

As I have said previously, I think that somebody thoroughly crawling over your boat every 7 years is a good thing. He thoroughly tap tested the hull for delamination and blisters as well as moisture readings, checking the bonding of the bulkheads etc. I'd had a rigging check and fore and aft stays replaced last year so he did just check the lower fixings with a magnifying glass. Osmosis may affect the integrity of the boat and with an agreed value it seems reasonable to check it out. Along with all the other checks (which keep you uptodate on safety gear etc I am happy to pay £45 a year.
 
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