Insurance without a survey??

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Hi all,

Apologies if this is one of those much repeated questions, but does anybody know if I can get insurance on my 38 year old Westerly Nomad, without having to shell out for a perishing survey?

I am insured third party at the moment, but was wondering about upgrading the insurance?
 
Many thanks! /forums/images/graemlins/smile.gif

I have printed that off, so I will have a phone around.

Charlie.
 
Just a follow up,

Just spoken to Polestar Marine Insurance, they were very helpful and friendly. They gave me a very competetive quote of £150.20.

All I need is to get a letter from a local boatyard or surveyor to say that in their opinion the boat is safe and seaworthy.

A survey is not neccessary.

Thanks once again to those who replied /forums/images/graemlins/smile.gif

Charlie.
 
I use Polestar and they are very competitive. They did ask for a survey after 5 years. Other people seem to get round this by changing insurers. We found the insurance survey to be helpful though e.g.he spotted that a previous owner had but brass bolts in the bronze skin fittings and that the heads weren't going to hold on much longer. The boat had been in the water for two years so this wasn't noticed. Would we have found out the hard way?
 
OOPs ... should read on before Posting !!!!!

Glad to see they came up trumps again ........



Try Polestar ...... (KC Powell) ..... they will insure based on boats up to 24ft and a letter from Yard stating in seaworthy condition.

Nomad .... if I recall is 25ft ? You need to talk to them and discuss ..... they are very good ...

I have no commercial interest here - just a happy customer of there's.
 
"All I need is to get a letter from a local boatyard or surveyor to say that in their opinion the boat is safe and seaworthy. A survey is not necessary".

Just a small technical point but who in their right mind is going to put it in writing that your boat is seaworthy without surveying her? Those days are long gone.
 
[ QUOTE ]
Just a small technical point but who in their right mind is going to put it in writing that your boat is seaworthy without surveying her? Those days are long gone.

[/ QUOTE ]
Good point in today's world of insurance/compensation etc..

I did mine through GJW - sent piccys, detailed list of items to insure & serial numbers, and then a written report from me and job done. They came in cheaper than Polestar and offered identical cover with a few extras too.

I've never had to claim... touch wood.... but have read many positive feedback reports on here!
 
I have been with Polestar for years, nothing but praise for them. Funnily enough though just had my renewal and they have transferred the business to GJW lock stock and barrel. Cover seems fine except that all boats over 24' loa are required to have at least 2 competent persons on board at all times. I only occassionaly sail singlehanded these days but nevertheless its something I need to take up with them.
 
"All I need is to get a letter from a local boatyard or surveyor to say that in their opinion the boat is safe and seaworthy."

Indeed would any boat yard or surveyor state that a yacht is constructed, outfitted, manned, and in all respects fitted for a voyage at sea. (seaworthy) even with a survey. I would suggest not as they would be opening themselves up in court should any thing happen (it that manned bit!!!)
 
Oh dear, Oh dear! Bogie men around every corner, well you miserable Bu99ers! Compensation!! Litigation!! What a load of old codswollop! Not everyone iin the world thinks or behaves like that /forums/images/graemlins/smile.gif

It is sorted, all ya need is a little faith, and to know who to ask! Job done!
 
Try Nautical Insurance Services of Leigh on Sea (01702 470811) - they only required either a letter from a boatyard or a set of photographs of the exterior for my Leisure 23.
 
Well done Smiffy, you will get on around here.
When the MOT man inspects your car, it was valid until you drove it off the forecourt. He would not be expected to come to court to declare your car roadworthy even the following day, as he would have no knowledge of what you did with it later that day!.
The insurance compannies are trying to establish that you are not trying to scam them with a rotting empty hulk that mysteriously sinks in 100 fathoms the week after you take out the insurance. It is a statement that a marine professional saw the boat, and did not take exception to its seaworthiness, on the day he saw it. Nothing more.
Litigants may now argue the point.
 
Scroll down !!

I know ... thats why the post was edited and the OOOPs added !!

I read the first few posts ... posted that one ... read on and found he'd taken my advise from another thread !!!! So edited !
 
Re: Scroll down !!

I had a "No singlehanding" clause on mine & I spoke to the broker to point out that my family crew were actually more like passengers anyway, and that I had often single handed over the last 20 odd years & not had a problem I couldn't deal with on my own. My only two claims in that time were for theft/ vandalism when unattended on the mooring and a storm stranding when the mooring dragged.

They "Ummed & Ahrr'd" then said Ok, but not at night. I pointed out that passage timing could depend on wind strength/ direction which is not always accurately predictable. So they said I shouldn't set out to deliberately sail at night. Suits me, I wouldn't these days if I was alone, tho' I have in the past!

So the point of this ramble is kick up a fuss if you think they are being overly restrictive - they try it on to reduce risk, but don't want to lose your money!
 
Me? Get on around here?? Hmmmmmmm, not very likely in the long term, calls a spade a shovel I does, folks don't like that much.............any road up! You succinctly summed it up.

The bloke I spoke to was really nice, he knew where I lived (Bideford) and chatted about when he was there as a boy etc.

Sure, I know this has very little to do with the business in hand, but doesn't it make the whole thing much more pleasant?

By the way, are you sure that the earth is the only planet with chocolate? I mean, given the size of the Universe, and the number of solar systems in it..................

There might be a giant chocolate orange, spinning merrily around in somebodies solar system?

See, I can talk utter rubbish if I puts me mind to it! /forums/images/graemlins/laugh.gif
 
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