swinging mooring. insurence

[kireonriley]

basic boat liability will no longer insure a boat on a swinging mooring unless the said mooring was profesionly laid and maintained .are there any other ins. comp. making the same demands yet ,or is it watch this space

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[Trevor_swfyc]

For somebody to professionally lay a mooring and maintain it would increase most swingers costs considerably. Clearly the insurance company would not pay out for damage caused by the boat coming off the mooring but expect you to claim off the so called professionals public liability insurance, which he would find very expensive if obtainable. I bet if you asked to see proof of public liability ins you would be told to go elsewhere.
As you say watch this space.

Trevor


<hr width=100% size=1><P ID="edit"><FONT SIZE=-1>Edited by Trevor_swfyc on 13/09/2004 10:34 (server time).</FONT></P>

 

[Capt_Scarlet]

My boat was badly damaged after my club mooring chain broke. These were professionally maintained 'guaranteed' moorings. The mooring contractor did not accept liability, but fortunately my insurers paid out without problem. If they had not, it could have got very messy, with me likely to foot the bill - upwards of £10K.

The boat now lives in a marina.....


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[Bodach na mara]

Navigators told me the same this year. To be fair there had been a failure in communication in that they thought my boat was in a marina and I thought I had told them years ago that I had moved to moorings. They agreed to insure it at the same premium but want me to ensure atht it is checked by a suitable person every year. This will cause a problem.

Basically insurance companies now do not want to take any risk. At all. As said in other replies they want to be able to counter-claim against someone else in the event of a claim. Utilmately, it will all come back to them or to some poor un-insured sod who will be bankrupted.

<hr width=100% size=1>Ken Johnson

 

[capricorn]

Does this also apply to picking up a visitor's mooring etc ?

Taken to extremes this will end up with disclaimers posted on mooring buoys etc, etc

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[galion22]

Who are you insured with. It might be a good idea to give the names of the insurance companies that dont haggle. Then we'd know who to insure with safely.

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[graham]

My insurance company(LLoyds through St Margarets )charge me extra on a swinging mooriong compared to a fore and aft mooring.

Ironically I moved from the fore and aft moorings because they are in a dark driver where I suspected theft may be a problem (this hasnt proved to be the case)and the swinging moorings are much further apart making it less likely for anyone to hit me while manouvering onto their mooring.

My club has insurance for the moorings.they are liable for any failure up to the mooring ring on top of the bouy.You provide your own pick up rope or chain which is your own responsibility.

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[Evadne]

I can't speak for boatyards but I'd be surprised if any business would carry on without any form of 3rd party insurance. You'd only need to lose a couple of big Mobos to bankrupt most of them. I guess a boatyard could get away with a higher excess than most, if they do any repairs themselves. Does anyone with direct knowledge of the subject have any comments? If it is not too expensive, then a collective could always form a moorings laying company, with suitable insurance?

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[sailorman]

if u pay dues then owner of mooring would be persued by your insurers, if you dont pay i.e. just pick-up a private mooring your insurers r liable.
if in doubt Anchor.
our old harbourmaster used to say that if a "match-box" had a bouy attatched someone would pick it up & use it

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[Ruthie]

Hi,

I'm insured with Admiral. Their proposal form contained a clause stating that the mooring should be maintained annually. On the other hand, the people who hire the mooring to me stated, on the hire Ts&Cs that the moorings were "inspected from time to time, and any defects made good". I simply quoted the mooring hire people on the proposal form, and got accepted without trouble.

Ruthie

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[Stemar]

I used Bishop Skinner for 3rd party insurance - no problem with a swing, and quite a bit cheaper than Basic boat.

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[danera]

My previous boat was moored in Burnham-on-Crouch. I spent one winter afloat and was informed in November that their insurance didn't provide any coverage between December & March, which alarmed me slightly, though they did move me onto one of their strongest moorings.

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