Wet Boats?

[silverdawn]

Hi All, Speaking to a fellow yacht owner regarding taking the boat out for the winter layup
he informed me that he would have liked to stay in and do some winter sailing but when he purchased the boat the surveyor put in the report that the boat was Wet? therefore the insurance company has restricted him to a March/November season, he has a fully serviced pontoon mooring.
As far as Iam aware no insurance company pays out for any osmosis or related defects, so why would this restriction be applied.
The yacht owner seems quite resigned to accept this without question.
As a coincidence Iam insured with the same company GJW I have 12 months in the water
agreement but then perhaps my boat wasnt Wet!
Surely all boats of a certain age 25/30 years are wet, leaving them ashore in the winter for
four or five months I know is good practice but will not dry out to any degree any wet boat.
Perhaps its to do with the structure of the boat, can anyone of you forumites enlighten me
please.

 

[pcatterall]

An old survey on my sons house mentioned settlement cracks,we considered them of little consequence but the mortgage provider had to take account of the report, builders quoted £40,000 to underpin ( a large sum then). The vendor dropped his price by £30,000.
My son bought, we installed a scheme of monitors ( I am a land surveyor) 20 years and not 1mm of movement since.

 

[sailorman]

Hi All, Speaking to a fellow yacht owner regarding taking the boat out for the winter layup
he informed me that he would have liked to stay in and do some winter sailing but when he purchased the boat the surveyor put in the report that the boat was Wet? therefore the insurance company has restricted him to a March/November season, he has a fully serviced pontoon mooring.
As far as Iam aware no insurance company pays out for any osmosis or related defects, so why would this restriction be applied.
The yacht owner seems quite resigned to accept this without question.
As a coincidence Iam insured with the same company GJW I have 12 months in the water
agreement but then perhaps my boat wasnt Wet!
Surely all boats of a certain age 25/30 years are wet, leaving them ashore in the winter for
four or five months I know is good practice but will not dry out to any degree any wet boat.
Perhaps its to do with the structure of the boat, can anyone of you forumites enlighten me
please.

i believe your friend to be mixing-up "in commission" restrictions with a wet hull.
normally marina berths are allowed for a full 12 months in commission.
its swinging moorings that have the limitation imposed

 

[Ross D]

I'd get a new survey and change insurers. By wet does he mean a wet osmosis ridden hull or simply leaking, you can avoid any osmosis readings in a survey by having it surveyed in the rain. My insurers asked me what my sailing season was and when I asked for 12 months the price didn't change.

As for surveys my surveyor picked up every small defect and listed them all as recommends. Several insurers wanted all of the recommendations actioned before they would provide any cover. Needless to say I went with someone else. Obviously my survey didn't cover any of the electrical system or the engine as the battery was flat after 6 months on brokerage and it is too much to ask a surveyor to carry a set of jump leads so they can do their job properly