Insurance.

[Portofino]

And what if its clock / date is incorrect

I like splitting hairs
Over x period other folks / boats comings and going will help to correctly " calibrate " the pics .
And a responsible marina -crime prevention / detection = major plank will be a proper "calibrated" camera .
Marina office has 6 screens on view .Gate house similar No -somebody surley will notice if Cal time is off ??

 

[jfm]

I like splitting hairs

:encouragement:

 

[beebok]

I had this thread running on yachting thread and respond to one participant.
I thought I should list it her;I think Graham M 376 is correct,real issue boats not being maintained.
This is their justification :
The previous exclusion specifically related to sinking from gradual water ingress when the vessel was left unattended for a period of 28 days (a foreseeable and preventable event). Under the new policy terms and conditions your Yacht would be insured against all risks of physical loss or damage. Underwriters have therefore continued to include the 28 day exclusion, in order to ensure that customers insured with us are not disadvantaged by potential rises in premiums as a result of non-fortuitous and reasonably preventable damage, (which could be expected to occur if a yacht is left uninspected for long periods). Underwriters are therefore not prepared to remove this clause from the Terms and Conditions.

Really not happy with this and will change insurer.


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[rubberduck]

My boat is maintained in top condition, no expense spared, but she has been left for up to six weeks, maybe even eight this year because we have been so busy at work etc. So if this means she is not insured then I could not insure with them. Surely a full service history & decent marina / staff should be enough.

 

[petem]

What would have to be done to meet the "inspected" condition? Would the Marina guys walking the pontoons count? Or is the intent of this clause aimed more at boats on swinging moorings that really are unattended?

 

[EugeneR]

In my view, it is completely unreasonable to expect someone to visit their boat every 28 days. There are times when doing may not be possible and, especially then, the last thing you want to worry about is that your boat may no longer be insured. For example, when you are in hospital. Insurance is supposed to give peace of mind, not more worries because the boat is uninsured for reasons one cannot control.

Note that it is not just gradual water ingress that causes a boat to sink - there is a range of causes e.g. fire, storm, etc - including many things where recent attendance (or not) does not make any difference. To me, it sounds like another "get out clause" for the insurer, to be weighed up alongside other terms when comparing policies.

That said, it makes a good man-excuse to visit the boat for a weekend, even in the depths of winter