graham
Well-Known Member
Anyone have any recent experience of companies willing to do it?
Boat is an older (77) GRP long keel 25 foot sloop.
Boat is an older (77) GRP long keel 25 foot sloop.
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Insurance without survey report.
- Thread starter graham
- Start date
flipper
Well-Known Member
http://www.yachting24.co.uk/
Quoted £90 for my 1978 35' GRP sloop with no survey but 'self cert' dates for standing rigging etc.
Quoted £90 for my 1978 35' GRP sloop with no survey but 'self cert' dates for standing rigging etc.
DanTribe
Well-Known Member
Presumably if you self certificate and say everything is in good order, if something breaks the insurers will refuse liability?
Or how does it work?
flipper
Well-Known Member
Not sure, I didn't proceed with the policy as I was just looking for quotes. If you go on their site you can run a quote in a couple of minutes.
When I get to the point of buying a policy I shall certainly look into the detail.
When I get to the point of buying a policy I shall certainly look into the detail.
Fantasie 19
Well-Known Member
My insurance company say boats less than 23' don't need survey - you're close enough in length to make it worth your while asking???
Company is Craftinsure
Company is Craftinsure
prv
Well-Known Member
We're with Towergate Mardon. We've never had the boat surveyed; before purchase we bought a no-liability copy of a survey done for an earlier prospective buyer. My dad arranged the insurance and it's possible he might have sent them a copy of that, but I don't think so.
24'6", 1992.
Pete
24'6", 1992.
Pete
Rivers & creeks
Well-Known Member
Coleman Marine Insurance had no problem with our 1977 Colvic Watson 34; we ended up having a survey but it was not a requirement. Coleman are agents for Navigators and General.
vivted
New Member
Insurance without survey
Just also insured a HR 29 with Towergate Marden and they didn't require a survey report.
Just also insured a HR 29 with Towergate Marden and they didn't require a survey report.
V1701
Well-Known Member
Probably stating the obvious but if you opt for third party no survey is required, there are a few companies that offer standard premiums for third party, have mine with Basic Boat Insurance...
graham
Well-Known Member
I wouldnt mind having third party ,the minimum requirement where I am moored is for third party plus wreck removal cover.Have had a look and Basic Boat does do wreck removal cover so that could be an option.
Thanks to everyone who replied with information will sort ouit in next few days..
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ffiill
Well-Known Member
Well mine was due for renewal this year with existing company asking for an updated survey-last done 5 years ago when I bought the boat.
I shopped around and current Insurers offered me policy without fresh survey.
May be I got this as I am only insured for UK waters whilst boat was surveyed as up to RYA offshore 500 miles capability.
But Im not going to say who with in case they made a mistake and survey would have cost minimum £300 plus.However they do advertise once insured they will not ask for another survey.
I shopped around and current Insurers offered me policy without fresh survey.
May be I got this as I am only insured for UK waters whilst boat was surveyed as up to RYA offshore 500 miles capability.
But Im not going to say who with in case they made a mistake and survey would have cost minimum £300 plus.However they do advertise once insured they will not ask for another survey.
alant
Well-Known Member
oldharry
Well-Known Member
My 1972 Trident 24 was accepted by Bishop Skinner without Survey, but the policy requires me to take all reasonable steps keep the boat 'in seaworthy condition'. Fair enough, but in the event of a claim, how do I prove I have complied? I know of at least one vessel sunk at its moorings in a storm where the claim was refused because the insurers surveyor found a fault in the steering (which the owner knew about and was waiting for spare parts to be made up), which rendered the boat 'unseaworthy'. The owners own surveyor agreed it was rubbish, but basically the insurers reply was 'see you in court' which would have cost more than the boat was worth. I asked a local boatbuilder to go over my boat with me, and write a report of his 'Opinion' of the condition of the boat. This cost me £50. It is not a full survey, as a boatbuilder is not a surveyor, but it is an independent professional opinion, which should be sufficient evidence that I have taken 'all reasonable steps' to comply.
alant
Well-Known Member
DanTribe
Well-Known Member
As I mentioned before, my insurers wanted a report from someone with Professional Indemnity insurance. I presume he would have to have professional qualifications in order to get that.
FullCircle
Well-Known Member
It ain't necessarily so - he can be a member of something like YBDSA - no formal quals required
Iain C
Well-Known Member
My class association have negotitiated a "no survey" deal with GJW. As all boats in the class are about 40 years old, I guess that GJW probably take the view that a solidly built, well known reputable cruiser with an enthusiastic and seamanlike owner who writes a report on an annual basis may well be a better risk than a more modern boat with minimal safety kit and an unknown reputation.
I'm going to take a guess here and say that probably by far the largest number of insurance claims are going to be simply down to human error when manoevring or in close quarters with walls or other boats? You don't hear about many well maintained older yachts sinking at their moorings due to chronic osmosis or keels falling off!
I'm going to take a guess here and say that probably by far the largest number of insurance claims are going to be simply down to human error when manoevring or in close quarters with walls or other boats? You don't hear about many well maintained older yachts sinking at their moorings due to chronic osmosis or keels falling off!
DanTribe
Well-Known Member
" I'm going to take a guess here and say that probably by far the largest number of insurance claims are going to be simply down to human error when manoevring or in close quarters with walls or other boats? You don't hear about many well maintained older yachts sinking at their moorings due to chronic osmosis or keels falling off!"
__________________
I'm sure that's right, but just let me propose another scenario.
My surveyor found what he thought was a microscopic crack in a cap shroud T ball terminal. [we had it checked and in fact it was OK]
But supposing I had self certificated and told my insurers that the rigging was all in good, safe condition and then the mast fell down.
Would they still be happy to pay out?
__________________
I'm sure that's right, but just let me propose another scenario.
My surveyor found what he thought was a microscopic crack in a cap shroud T ball terminal. [we had it checked and in fact it was OK]
But supposing I had self certificated and told my insurers that the rigging was all in good, safe condition and then the mast fell down.
Would they still be happy to pay out?
DanTribe
Well-Known Member
But as long as he has PI the insurance co will still have someone to go after, and I can't see the PI insurers wanting his business in future.
Tranona
Well-Known Member
No, read the requirements for membership - not just paying the money. And one of the requirements is having PI insurance, then look at the requirements to get insurance.
There are, of course people around claiming to be surveyors who would not meet those requirements and may well not be able to get PI. Equally there are well respected and successful surveoyors who do not "belong" to anything.
If you don't know the surveyor then probably less risk to employ one who has met the requirements of one of the associations, which is what insurers do.
