Winter insurance

rogerroger

rogerroger

Well-Known Member
Joined
11 Jul 2001
Messages
863
Location
West Sussex
www.myboatdetails.com
Checked with my insurance company yesterday about cover over the winter - the policy stipulates "ASHORE" from Dec to March so I queried this as i want to leave her in.

They said it would be fine afloat in a marina but not on her swing mooring?

Seems a bit strange... Is this the norm?

/forums/images/icons/cool.gif Roger Holden /forums/images/icons/cool.gif
<A target="_blank" HREF=http://www.first-magnitude.co.uk>First Magnitude</A>
 
Not in our experience, but it may be the way they keep your quote down. Ask what the cost would be for in commission 12 months and also get quotes from other brokers as advertised in YM PBO etc. Worth a few phone calls. If not do a deal and they are there to be had with a local marina.

Courtesy is an iota but makes the world go round
 
Thanks

I did ask about 12 months in commision cover but the answer was "we'll have to get back to you" and I didn't want to wait.

I don't think I'm getting a bad deal and besides, I'm effectively locked into my insurance company as when I requested a quote from another they stated that I'd have to have a survey done so hardly worth paying £200 for that to save £30 on insurance!

I'll probably put her in a marina anyway - as you say, you can get some good deals!



/forums/images/icons/cool.gif Roger Holden /forums/images/icons/cool.gif
<A target="_blank" HREF=http://www.first-magnitude.co.uk>First Magnitude</A>
 
If I was an insurance company I would say the same. Tidal moorings, my experience on Menai Strait, wear to a remarkable extent in the winter. It's quite common for heavy chain to wear right through in a single winter if the mooring buoy is left out. Add the weight and resistance of a boat and the result is a very high likelihood that the mooring will fail.

I have always found Haven Knox Johnstone to be very reasonable over this, no extra premium for wintering afloat nor for extending cruising area outside Brest-Elbe limits. Never asked for a mooring though.
 
Strewth. I didn't even think to look at these terms. Thanks for the tip!

<font color=red>Jeremy Flynn/forums/images/icons/crazy.gif
Dawn Chorus</font color=red>
 
Going into a marina will also allow you to put heaters, dehumidifyers etc on which will keep the boat sweeter as well. You could even leave your sails down below in that environment rather than take them home. Most Solent Marinas do offer attractive rates among them Southsea marina, Chichester Marina, Birdham Pool etc. Remember though sprayhoods etc are not covered by most insurers for wind damage

Courtesy is an iota but makes the world go round
 
If you saw my sprayhood you'd realise it's a lost cause already!

I might leave the sails on in case I fancy a sneaky frostbite sail.

/forums/images/icons/cool.gif Roger Holden /forums/images/icons/cool.gif
<A target="_blank" HREF=http://www.first-magnitude.co.uk>First Magnitude</A>
 
In that case give them a good airing regularly mildew is 'orrible to orf sails!!!!!

Courtesy is an iota but makes the world go round
 
That's a good excuse to go for a sail when it's -3 c

/forums/images/icons/cool.gif Roger Holden /forums/images/icons/cool.gif
<A target="_blank" HREF=http://www.first-magnitude.co.uk>First Magnitude</A>
 
I've had some of my best sailing memories sailing in the winter, remember crossing to Cherbourg in -3C, F4/5 at night with out a cloud in the sky, I've never seen so many shooting stars in my life ..

Jim
 
Brrrrrrrrrrrrrh.

Is all I say to that...

/forums/images/icons/cool.gif Roger Holden /forums/images/icons/cool.gif
<A target="_blank" HREF=http://www.first-magnitude.co.uk>First Magnitude</A>
 
Year round sailing cover

is what I have, with a major UK company (plus, of course, a coal stove!) Send me a message and I will send you the broker's name.

As a matter of policy, though, I don't leave the boat on the mooring in very cold weather, due to the risk of ice. If your insurers trust you you should be correspondingly sensible I think.
 
I used to accept an increase in Excess on the policy from 100 quid to 150 for winter afloat ..... seemed daft - but they agreed. That was on a swinging tidal mooring. When I moved to the marina berth - they applied the same !!

Reminds me I must talk to them again about this winter !!!!! BUt my policy later had the winter excess stated - so all I had to do was declare where the boat was and afloat / ashore etc.

I only came - cos they said there was FREE Guinness !
 
St Margarets put a £250 excess on my swinging mooring policy from October to March .Through the summer this drops to £100.
 
Somewhere I have my motor cycle heated waistcoat still... and I'm very tempted to wear it for winter sailing. I have heated socks too!
 
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