Because their claims history informs their policy and generally speaking boats are safer ashore or afloat in protected harbours/marinas than on exposed swinging moorings. Most insurers offer a 10-15% discount on premiums for boats kept in marinas.Sorry Fred Drift.
Why do insurers want boats ashore from November?
Luckily we have had no damage in the local yards from the recent storms.
A few years ago, several boats were blown over in their cradles and some seriously damaged. No yacht still on a mooring had any problems.
Probably because very strong winds like this are quite rare in the big scheme of things AND it costs moneyLast winter we kept our boat in St Carles Maerina near Barcelona, it is an MDL marina. There they have bolt eyes in the concrete and every boat is in its own cradle and then strapped down. I don't understand why we don't do that here.
Insurers only want boats ashore or elsewhere when the mooring is unsuitable for winter use.Sorry Fred Drift.
Why do insurers want boats ashore from November?
Luckily we have had no damage in the local yards from the recent storms.
A few years ago, several boats were blown over in their cradles and some seriously damaged. No yacht still on a mooring had any problems.
Our boat is propped. A dam sight more stable and secure than 4 leg cradles if done correctly with 3 or 4 props per side - pity folk have forgotten how to us cheap logs but want expensive cradles that lock them to one marina.We're these boats in proper cradles, or were they shored?
Hmmmm, I prefer to keep tge boat afloat in a secure marina, with mooring ropes port and starboard to take the stress off fenders. It also means tge boat does not get as cold as sat in water at 4 deg!Our boat is propped. A dam sight more stable and secure than 4 leg cradles if done correctly with 3 or 4 props per side - pity folk have forgotten how to us cheap logs but want expensive cradles that lock them to one marina.
A simple tie rope to ground bolts would help if windage aloft too much - our hut on Portland Bill has it for the roof as does the Navigators allotment shed so its not a new idea or rocket science. Kingstone Boatyard need to up their game perhaps
You think they have problems;....KHM Plymouth have issued several warnings of sunken vessels at anchor and on moorings. Two in the last week with the storms.
Local Notices, Nav Warnings and Directions | Royal Navy
Did you not see it lifted then. If I had seen that I would have wanted to know how they thought it would work.Hmmmm, I prefer to keep tge boat afloat in a secure marina, with mooring ropes port and starboard to take the stress off fenders. It also means tge boat does not get as cold as sat in water at 4 deg!
However, this year, the marina were dredging so I hauled out, with reservations for the winter. Due to numbers hauling a shortage of 'props' where previously well propped and cross braced ended up with 2 metal props each side on 37 foot boat, 7 days later on its side!!
My insurers have been good, boat going for repair, marinas insurer claiming an 'act of God's not the incompetence of poor / inadequate propping. The marina will double their costs with legal fees due to evidence of inadequately propping tge boat but still have a 'repaired 'boat not an original.