When is a marina not a marina?

[[3889]]

Whilst awaiting my insurers ruling on the matter can I seek the opinions of forumites? My boat will be moving to a single point mooring which is on the landward side of a lock, in fresh water and completely isolated from tides. Nearby in the river are pontoon berths, some connected to land, others not, with all vessels exposed to similar weather and currents. As I cannot get a pontoon berth my insurers are stipulating that the boat must be ashore between October and April. I am arguing, without much hope of success, that the boat is in a marina - the same organisation controls pontoons and moorings- and may therefore remain in commission 12 months of the year. Do I have any chance?

 

[Tranona]

Insurers will have their own definition which may not be fine grained enough to differentiate your type of mooring from a swinging mooring. Explain the location to them, but you may find it does not fit one of their categories. Try another insurance company as there is no precise definition.

 

[lustyd]

I'd say you're in a harbour but to me a marina would include pontoons. Pontoons from an insurance perspective are less likely to result in damage because although you are protected from weather on your buoy, you are not protected from chafe.

 

[l'escargot]

Even if you are in a marina, you are on a swinging morning which I think may be the issue.

 

[oldharry]

No need to waste time arguiing with them, just shop around. My boat is insured 12 months on a swinging mooring, no problem, and I never had any difficulty getting 12 months afloat on a swinger insurance. Some companies will, some wont. Doesnt seem to be much difference in the cost either.

 

[wooslehunter]

If they won't insure you, change your insurer. N&G insure me very reasonably, don't care if the boat is on its swinging mooring all year & paid out a claim some years ago without any problems. So they still have my business.