johns
New member
can anyone recomend an insurance company who will do without a survey report
<hr width=100% size=1>
<hr width=100% size=1>
insurance without survey
- Thread starter johns
- Start date
andyball
New member
What age of boat? many are ok up to 20yrs, a few up to 25
<hr width=100% size=1>
<hr width=100% size=1>
Dave_Knowles
New member
Why do you want a company that will do insurance without a survey? Would you expect a car insurance company to cover you without an MOT if the car was over three years old? My feeling is that if a company will do boat insurance without a survey and you had a claim I would be very surprised if they would pay out without a lot of problems. You will also probably pay more. In the overal cost of owning a boat a survey to satisfy an insurance company is not all that much and at least it give you a little peace of mind.
<hr width=100% size=1>Dave
Southampton - uk
<A target="_blank" HREF=http://www.MyCleopatra.co.uk>The site for cleopatra boat owners</A>
<hr width=100% size=1>Dave
Southampton - uk
<A target="_blank" HREF=http://www.MyCleopatra.co.uk>The site for cleopatra boat owners</A>
MedMan
New member
St Margaret's require a survey on older boats but, once you have had a survey done, if you remain with them, they will never ask for another. Useful.
<hr width=100% size=1><A target="_blank" HREF=http://www.yachtretreat.com>http://www.yachtretreat.com</A>
<hr width=100% size=1><A target="_blank" HREF=http://www.yachtretreat.com>http://www.yachtretreat.com</A>
VicMallows
New member
Because the cost of a survey would be about 4 times my annual premium and much more than all my other boating costs for a year put together. As a Chartered Engineer I also consider I am perfectly able to assess the condition of my boat myself. After all, I built it from hull-and-deck, and if it needed surveying at all it should have been before I launched it!
Your comparison to a car MOT is false. No car insurance company has ever asked if the car had a current MOT, or had a condition that the insurance was invalid if it did not have one (including comprehensive cover). What about house insurance? maybe they should insist on a 'full structural survey' when you want to change insurers......maybe your roof is about to blow off.
I changed boat insurer after 17 years with the same firm because of the survey issue. I was pleasantly surprised to find I'd also saved £30 with better coverage.
<hr width=100% size=1>
Your comparison to a car MOT is false. No car insurance company has ever asked if the car had a current MOT, or had a condition that the insurance was invalid if it did not have one (including comprehensive cover). What about house insurance? maybe they should insist on a 'full structural survey' when you want to change insurers......maybe your roof is about to blow off.
I changed boat insurer after 17 years with the same firm because of the survey issue. I was pleasantly surprised to find I'd also saved £30 with better coverage.
<hr width=100% size=1>
Dave_Knowles
New member
Are you saying then that if you had a crash and your car (that was over three years old) did not have an MOT you would still be insured? I don't think so! Also I would point out that as an example CraftInsure cover my boat for a premium of around £150 and a full survey far in excess of that require for insurance cost me around £300 which needs to be done once every three years. Therfore whoever you are talking to would seem to be quoting very high if it is 4 times your annual premium.
On the point about you building the boat I have a friend who built a car and he still had to have it checked before he could drive it on the road.
Finally I am glad that you have a better deal but sometimes the better deals on insurance are fine until you need to make a claim.
<hr width=100% size=1>Dave
Southampton - uk
<A target="_blank" HREF=http://www.MyCleopatra.co.uk>The site for cleopatra boat owners</A>
On the point about you building the boat I have a friend who built a car and he still had to have it checked before he could drive it on the road.
Finally I am glad that you have a better deal but sometimes the better deals on insurance are fine until you need to make a claim.
<hr width=100% size=1>Dave
Southampton - uk
<A target="_blank" HREF=http://www.MyCleopatra.co.uk>The site for cleopatra boat owners</A>
colvic
New member
Have you ever had to make a substantial claim?
Phil
<hr width=100% size=1>
Phil
<hr width=100% size=1>
Dave_Knowles
New member
Not on a boat fortunately but I have in a car and different insurance companies deal with claims in very different ways and often you pay for what you get. I have no reason to believe that boat insurance is any different. My daughter used to work for a boat insurance broker in Lymington so I willo check with her and report back if you like.
<hr width=100% size=1>Dave
Southampton - uk
<A target="_blank" HREF=http://www.MyCleopatra.co.uk>The site for cleopatra boat owners</A>
<hr width=100% size=1>Dave
Southampton - uk
<A target="_blank" HREF=http://www.MyCleopatra.co.uk>The site for cleopatra boat owners</A>
l'escargot
New member
I've been insured with Nav & Gen through NIS of Southend for the last 6 years. I showed a two year old survey initially and was asked for a new survey 3 years ago when I renewed. I queried the reason why and was told not to bother and it hasn't been raised since.
A survey does not necessarily reflect the seaworthiness of a boat or the ability of the skipper and is about as much worth as an MOT - valid at time of issue only.
<hr width=100% size=1>
A survey does not necessarily reflect the seaworthiness of a boat or the ability of the skipper and is about as much worth as an MOT - valid at time of issue only.
<hr width=100% size=1>
VicMallows
New member
Yes. I am saying that. (car would be insured even without MOT). The fact that I'd be up before the Bench and find insurance very difficult in the future is a different matter entirely! It's also true that there IS a condition that the car is in 'roadworthy' condition. I'm afraid possesion of an MOT is not a very conclusive argument.
On your point of 'you get what you pay for' ...... how on earth do you judge? I've had car and house insurance for over 35 years and have never made a claim so have no idea. In 17 years I've had one claim on the boat insurance (due to a rope around the prop) which was settled perfectly.....then the company effectively chose to dis-own me. All insurances are with huge well known outfits.
<hr width=100% size=1>
On your point of 'you get what you pay for' ...... how on earth do you judge? I've had car and house insurance for over 35 years and have never made a claim so have no idea. In 17 years I've had one claim on the boat insurance (due to a rope around the prop) which was settled perfectly.....then the company effectively chose to dis-own me. All insurances are with huge well known outfits.
<hr width=100% size=1>
ex-Gladys
Well-known member
Sorry,
If you drive without MOT or Road Tax or Licence your insurance is invalid. Unlike a boat, the prime "article" covered by motor insurance is the driver....
<hr width=100% size=1>Larry Botheras
Anderson 26 "Amber"
If you drive without MOT or Road Tax or Licence your insurance is invalid. Unlike a boat, the prime "article" covered by motor insurance is the driver....
<hr width=100% size=1>Larry Botheras
Anderson 26 "Amber"
FullCircle
Well-known member
As one who runs around in boats of very little value (3 grand or so) I chose to have the marine form of third party, which some insurers offered without survey. As a survey is over 10% of the cost of my boat and they want one every 3 years, it seems like a good option. In 15 years I had one claim for theft from the boat, disallowed because the thief left no evidence of forced entry. I wish he had taken an axe to the hatches.
As I am covered for me or my boat banging into or otherwise damaging other peoples (usually more) valuable property and any liabilities, all seem happy. For mine, it is just coastal and occasional hops to France.
I am also an engineer and inspected the boat for myself at purchase, and I stand by the consequences of that judgement, with the risk of loss or damage to my boat, backed by the insurance cover I do have.
This is not because I seek to be deliberately mean, but it does represent a significant portion of my annual expense on our sport, and there are a lot of us impoverished participants out here.
PS. My annual premium for that is about 80 quid, so it isnt proportional to boat value particularly, and nor would I expect it to be.
<hr width=100% size=1>Second Chance - First Love. I still need a 7m Luff Spinnaker & Pole for 22 footer!! Help!
As I am covered for me or my boat banging into or otherwise damaging other peoples (usually more) valuable property and any liabilities, all seem happy. For mine, it is just coastal and occasional hops to France.
I am also an engineer and inspected the boat for myself at purchase, and I stand by the consequences of that judgement, with the risk of loss or damage to my boat, backed by the insurance cover I do have.
This is not because I seek to be deliberately mean, but it does represent a significant portion of my annual expense on our sport, and there are a lot of us impoverished participants out here.
PS. My annual premium for that is about 80 quid, so it isnt proportional to boat value particularly, and nor would I expect it to be.
<hr width=100% size=1>Second Chance - First Love. I still need a 7m Luff Spinnaker & Pole for 22 footer!! Help!
richardabeattie
Active member
St Margarets do third party without surveys.
<hr width=100% size=1>
<hr width=100% size=1>
ex-Gladys
Well-known member
...and can also be sniffy about paying out. Guy I know ran ashore with a cat, got damaged, St Maggies told him to bugger off. Can't remember any more details as it was a few years back
<hr width=100% size=1>Larry Botheras
Anderson 26 "Amber"
<hr width=100% size=1>Larry Botheras
Anderson 26 "Amber"
supermalc
New member
Agree with Larry. You are DEFINATELY not insured if the car has no MOT. Around 20 years ago a friend was returning a minivan to one of his friends. He was insured to drive it, but had an accident with a moped rider. A large claim ensued, and the van MOT had expired 3 days earlier. The insurance did not pay, and he lost everything.
A lesson to us all, that I have not forgotten.
<hr width=100% size=1>Malcolm. Just trying to be helpful.
A lesson to us all, that I have not forgotten.
<hr width=100% size=1>Malcolm. Just trying to be helpful.