Single Handed Insurance

LadyInBed said:
Are you saying that the journey doesn't end till you are back at your mooring?
If so, you are in real trouble going away for a week day Sailing.
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Not necessarily so, but perhaps a port of entry when arriving at foreign shores.
I was under the impression that most countries quoted points of entry, so it may be suggested that you had not actually "arrived" until you entered that designated "port of entry".
Even EU countries have them & we, in the UK, are not part of the Shengan treaty, so officially, one might expect, have to announce arrival into another EU state. That would then mark the end of your journey to that country.
It should also be pointed out that many countries insist on visiting craft have third party insurance. If you were involved in an incident & an inquiry found that you were not insured due to you having exceeded your period of single handed sailing allowable under your policy you could be in serious trouble.
For instance, say you hit a small unmarked dinghy moored just offshore with a couple of chaps fishing & you knocked them in the water & one drowned (I nearly hit one in the dark once & only saw a dim flashlight at last minute). How would you fair with your "self insure" then?
 
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Daydream believer said:
For instance, say you hit a small unmarked dinghy moored just offshore with a couple of chaps fishing & you knocked them in the water & one drowned (I nearly hit one in the dark once & only saw a dim flashlight at last minute). How would you fair with your "self insure" then?
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Why would you have any liability at all in that case?
 
In relation to single-handed insurance, I just checked my Craftinsure/Navigators & General policy wording. There are no exclusions for single handing...
 
Dukester52 said:
In relation to single-handed insurance, I just checked my Craftinsure/Navigators & General policy wording. There are no exclusions for single handing...
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correct, I was with them, covered for S/H to S Brittany, but had to change as they wanted me crewed up across Biscay. I went to Pants, as they didn't, but price went up to just over 400.
 
Daydream believer said:
Not necessarily so, but perhaps a port of entry when arriving at foreign shores.
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That would surely be an issue for the foreign authority, rather than the insurer. A 'passage' is surely a voyage from any 'here' to 'there' of your choosing (within any other limits of the policy). More relevant might be feeling compelled to anchor/moor somewhere dodgy because of a time limit, when a safer haven is an hour or two beyond that limit. I very much doubt an insurer can require a skipper to ignore due prudence. I also can't see how it would be in their interest for one to do so.
 
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Daydream believer said:
Not necessarily so, but perhaps a port of entry when arriving at foreign shores.
I was under the impression that most countries quoted points of entry, so it may be suggested that you had not actually "arrived" until you entered that designated "port of entry".
Even EU countries have them & we, in the UK, are not part of the Shengan treaty, so officially, one might expect, have to announce arrival into another EU state. That would then mark the end of your journey to that country.
It should also be pointed out that many countries insist on visiting craft have third party insurance. If you were involved in an incident & an inquiry found that you were not insured due to you having exceeded your period of single handed sailing allowable under your policy you could be in serious trouble.
For instance, say you hit a small unmarked dinghy moored just offshore with a couple of chaps fishing & you knocked them in the water & one drowned (I nearly hit one in the dark once & only saw a dim flashlight at last minute). How would you fair with your "self insure" then?
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There are so many factual flaws in this post that I can't be bothered to address them. You will see from another recent thread I posted that I'm not averse to cover, I just like to carry out my own risk assessment based on personal knowledge and 40 years of sailing yachts. Do you insure yourself for every eventuality? Bumping into an elderly lady in the street and causing a hip fracture from which she dies? I think not but please don't be influenced by my perception of risk. Wanna buy PPI, by any chance? I'll do you a good deal.
 
JumbleDuck said:
Are we still doing "Foreigners!" as an excuse for all fears?
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I would point out that the forumite who raised the question of "self insure" was considering it for crossing the Channel.
That probably makes the destination, if leaving the UK, " foreign" .
Of course , when returning, one might find that standing in front of a British coroner with a silly grin on one's face can be just as daunting.
 
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Daydream believer said:
I would point out that the forumite who raised the question of "self insure" was considering it for crossing the Channel.
That probably makes the destination, if leaving the UK, " foreign" .
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Of course, but the idea that foreign judges will make capricious and incomprehensible decisions (they yammer away in foreign lingo, you know, and they smell of funny foreign food and they take bribes) just to stick it to the Brits is well into paranoid territory.

Of course , when returning, one might find that standing in front of a British coroner with a silly grin on one's face can be just as daunting.
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Why would one have a silly grin on one's face? Why would a coroner care whether one had been insured or not?

As it happens, I am insured up to the wazoo, but for better reasons than fear of the French.
 
Daydream believer said:
Ask the coroner of a foreign court (where one will probably have to pay for one's own legal cover under the "self insure" policy). I am sure that he would dream up a number of reasons.
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You display a complete misunderstanding of the role of the inquest and the coroner. An inquest determines the cause of death. It is up to the courts either criminal to determine blame.

So you would never get into the situation you suggest in a coroner's court - either "British" or "Foreign". You may have to account for your actions in a court, either to defend a criminal charge or negligence. Insurance may, or may not assist you in these situations depending on what you have insured against.
 
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