Laid up ashore and insurance

[MasterofHera]

Acouple of weeks back someone mentioned that in the "small print" on his/her insurance renewal quote they would be expected to lay up ashore in a "purpose built cradle" Does this mean a cradle built by a registered engineering co. or will my local Blacksmith/s effort be OK?

Last week we left freezing Scotland for the sunny south and visited Port Solent only to find that 90% of the boats laid up oposite Marine Super Store were supported on good old fashioned wooden posts! I this purpose built? We have been using this system for many years so why change now?

Mike

 

[MarkGrubb]

You may be planning to, if it affects you, but probably best to ask your insurance company of what they consider appropriate, and maybe also to give some examples of what they would consider inappropriate.

Or are you asking simply out of curiosity?

 

[oakum]

Don't take too much notice of what they use at PS they keep falling over there.

 

[MasterofHera]

Curiosity. I have a mixture of Acrow jacks and timber props.

 

[PeterGibbs]

You know how it goes - no one cares a toss until there's a claim. Then, depending on the value of the loss, the questions begin. And how would you answer the ones about the provenance of the cradle - now crushed beneath your upturned hull?

Owners of insured property have to be able to demonstrate that reasonable care has been taken to preserve it against "perils." A purpose made metal cradle would normally fit that description, as would a wooden strucutre put together by professionals - the marina, for instance.

I would guess that a few baulks of timber stuffed into place by a lesser mortal would invite a resusal to pay.

But I suspect you knew that anyway...


PWG

 

[nlawley]

I changed insurance companies because of this!