Insurance survey

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Andy and Lyn

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My insurance company have just announced that they need a survey completed later this year. As we are about to emabark on a long cruise in about 6 weeks time we feel it prudent to do now! Does anyone know of a relatively cheap way of doing this - presumably its got to come out of the water for a while - so far quoted £300 for the survey and £200 plus for a lift. (Chichester Marina). Any thoughts - surveyor, location etc.. ? (needs to be reasonably close to Chi.)
 
Andy and Lyn said:
My insurance company have just announced that they need a survey completed later this year. As we are about to emabark on a long cruise in about 6 weeks time we feel it prudent to do now! Does anyone know of a relatively cheap way of doing this - presumably its got to come out of the water for a while - so far quoted £300 for the survey and £200 plus for a lift. (Chichester Marina). Any thoughts - surveyor, location etc.. ? (needs to be reasonably close to Chi.)
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Ask your insurance company if there's any room for manoeuvre - would they accept a condition report from a boatyard for example rather than a full survey...
 
change your insurance co, they should give you sufficient notice, like by next renewal ie 12 months
Phone Barrie
http://www.yyachtinsurance.com/OurUnderwriters.cfm



Andy and Lyn said:
My insurance company have just announced that they need a survey completed later this year. As we are about to emabark on a long cruise in about 6 weeks time we feel it prudent to do now! Does anyone know of a relatively cheap way of doing this - presumably its got to come out of the water for a while - so far quoted £300 for the survey and £200 plus for a lift. (Chichester Marina). Any thoughts - surveyor, location etc.. ? (needs to be reasonably close to Chi.)
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look up Peter Wallace..ydsa list..he is local...and is a belts and braces man.If you cant find his number...pm me.
Just a satisfied customer.
 
Andy and Lyn said:
My insurance company have just announced that they need a survey completed later this year. As we are about to emabark on a long cruise in about 6 weeks time we feel it prudent to do now! Does anyone know of a relatively cheap way of doing this - presumably its got to come out of the water for a while - so far quoted £300 for the survey and £200 plus for a lift. (Chichester Marina). Any thoughts - surveyor, location etc.. ? (needs to be reasonably close to Chi.)
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The haul out seems a little steep. Do survey now it will give you time to take care of inevitable issues.
If you have just decided to go of on extended voyage the survey will be good for getting the boat ready. probably why insurance company want survey you are changing the basis of the policy. by going on extended voyage.
 
Get it done, you may be surprised I was.

While I knew I had a few blisters (nothing to worry about), nobody expected to find a great big hollow patch in front of the keel! We ended up grinding out about 1 metre square of de-laminated GRP (part of the original build in 1981!), it would never have shown up without the lift; I clean and inspect my hull about every 2 weeks and I missed it!

Anyway, 20 layers of bi-lateral matting and 3 gallons of epoxy later (and a large amount of cash) it was all sorted.

Surveys are there for us and the insurer, and you never whats going to turn up!!
 
Another vote to change insurer. I left GJW when they demanded a survey that would have cost 3 x annual premium. Moved to Haven who guaranteed no survey would be required as long as boat remained continually insured with them. And they were cheaper.
My house is over 100 years old and the insurers have never asked for a survey:p
 
If that is HKJ read the policy ;)


HiAndDri said:
Another vote to change insurer. I left GJW when they demanded a survey that would have cost 3 x annual premium. Moved to Haven who guaranteed no survey would be required as long as boat remained continually insured with them. And they were cheaper.
My house is over 100 years old and the insurers have never asked for a survey:p
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sailorman said:
If that is HKJ read the policy ;)
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Go on then, what's the catch. I've sold the boat and don't have the policy anymore. But I'm certain no survey was needed - I'd just had to cancel with Craftinsure within the 14 days after missing their survey caveat and even I'm not so stupid to make the same mistake twice in one week, I think.
 
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It's easy to suggest changing insurers but when looking around you find all the other caveats such as:
No single handing at night
No single handing over 18 hours
Also you may need a survey to start being insured by 'them'!

If anyone knows of an insurer that doesn't have any of the above, please let me know :D
 
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LadyInBed said:
It's easy to suggest changing insurers but when looking around you find all the other caveats such as:
No single handing at night
No single handing over 18 hours
Also you may need a survey to start being insured by 'them'!

If anyone knows of an insurer that doesn't have any of the above, please let me know :D
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http://www.yyachtinsurance.com/OurUnderwriters.cfm

read their policy, its available on their site, many here are now insured with them since Phoenix of Hamble pointed out deficiencies in other policies
 
Don't change from Navigators. You have 15,000 Westerly Owners Association to push your claim if necessary.

As for the purpose of the survey - its a damn good underwriting principle. You need to know if a keel stub is bad or if the rudder is going to break. The last thing you need is to get confined to an expensive Italian marina whilst you sort out the repairs and get ripped off.

This is about sensible risk management on your part as well, Ostriches are not the way to go!

Good sailing - hope all goes well and we will eventually see you in Greece!
 
LadyInBed said:
It's easy to suggest changing insurers but when looking around you find all the other caveats such as:
No single handing at night
No single handing over 18 hours
Also you may need a survey to start being insured by 'them'!

If anyone knows of an insurer that doesn't have any of the above, please let me know :D
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Maybe your approach to insurers needs changing to "please give me a price to include single handed day or night". I've never had a problem getting it. With Towergate now also had it with Nautical some years ago.

The single handed problem came to light when I asked - what happens if my crew walk from reception to berth to take lines and I bring the boat round? Answer was that it would be single handing! Another loophole which came to light with Nautical was that although SWMBO was noted as joint owner on the policy, she wasn't insured until she'd completed a policy application as well as mine. Towergate cover us for "any driver" and didn't require a survey until this year at 25 years old.
 
sailorman said:
http://www.yyachtinsurance.com/OurUnderwriters.cfm

read their policy, its available on their site, many here are now insured with them since Phoenix of Hamble pointed out deficiencies in other policies
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I thought their name rang a bell. I contacted them in March last year, they said:
"Unfortunately we have been unable to persuade underwriters to extend the single handed limit beyond 18 hours."
 
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