Yacht Insurance to cover swinging mooring on Scotland West Coast

[yotter]

I am currently insured with Haven Knox Johnston. Although we are predominately marina based, I would like the option to use a swing mooring in Loch Melfort. Haven Knox Johnston only use one underwriter, AS Almin who will only provide cover until the end of August and I would like the option to use this mooring until the end of September. I got a good quote from Admiral Marine who will cover from 1st April till 30th October. Has anyone had any dealings with the company? I understand they are agents for Travellers Insurance Company Limited.

 

[ylop]

The end of August sounds odd to me. The risks insurers are willing to cover are very location specific - I’ve no idea who might cover loch melfort but the areas I have heard of people getting year round cover have been exceptionally well protected. Otherwise April-Oct seems normal. The logical place to ask is other boats which are kept afloat year round in the loch, but they may be uninsured…

 

[yotter]

The end of August sounds odd to me. The risks insurers are willing to cover are very location specific - I’ve no idea who might cover loch melfort but the areas I have heard of people getting year round cover have been exceptionally well protected. Otherwise April-Oct seems normal. The logical place to ask is other boats which are kept afloat year round in the loch, but they may be uninsured…

Yes, I agree, end of Sept I thought was normal, but not with MS Amlin. We have asked a neighbouring boat who they use and are waiting the response. We have a mooring there and with our local Marina for sale, want to keep options open. After September we return to the Clyde, so do not need winter cover on the mooring. I agree, many boats may be uninsured.

 

[benjenbav]

Had dealings with Travelers as a business/professional indemnity insurer where they are a very big player. I don’t know what they do in this sector, though, I’m afraid.

 

[ylop]

Yes, I agree, end of Sept I thought was normal, but not with MS Amlin. We have asked a neighbouring boat who they use and are waiting the response. We have a mooring there and with our local Marina for sale, want to keep options open. After September we return to the Clyde, so do not need winter cover on the mooring. I agree, many boats may be uninsured.

Have a look at Visicover - I’ve never made a claim so no idea how good then, but I liked the ability to edit and change things in real time and see the impact on the quote. For example, the mooring location, or the minimum experience/qualifications of the skipper etc. their default setting was 1 april to 1 Oct for me on west coast. I needed to delay lift out by a week and they were helpful enough to add that as a one off.

 

[yotter]

Had dealings with Travelers as a business/professional indemnity insurer where they are a very big player. I don’t know what they do in this sector, though, I’m afraid.

Many thanks, I had not heard of them

 

[yotter]

Have a look at Visicover - I’ve never made a claim so no idea how good then, but I liked the ability to edit and change things in real time and see the impact on the quote. For example, the mooring location, or the minimum experience/qualifications of the skipper etc. their default setting was 1 april to 1 Oct for me on west coast. I needed to delay lift out by a week and they were helpful enough to add that as a one off.

Many thanks, I will have a look.

 

[Tranona]

Travellers is a big US insurer who have been underwriting policies in the UK for many years through significant UK insurers like Admiral. The latter are a major player in both motor and yacht insurance. I had a claim with them for one of my cars which went smoothly. As ever though look at policy wording carefully.

 

[Graham376]

As others have said, mooring location matters. We're not in UK and had been with Amlins fully comp for quite a few years but they suddenly decided to only cover Oct to April 3rd party with no cover for wreck removal or pollution. Now have 12 months fully comp with N & G via Topsail. Only other option I found was Pants but higher premium.

 

[skua164]

I have a mooring at Kilmelford with no such August restriction. I'm insured with GJW.

 

[yotter]

I have a mooring at Kilmelford with no such August restriction. I'm insured with GJW.

Many thanks, its in Kames Bay by the fish farm cages, pretty sheltered. Many thanks, I have a couple of reasonable quotes now but might try GJW.

 

[Bodach na mara]

I've been with GJW for years, at first on a mooring at Gourock (Cardwell Bay) and later in a marina. I changed to them because they were cheaper than Navigators but their policy allowed for 7 months afloat (1 April to 31 October) even when I was on the mooring. Although I always left the mooring during September as there were usually gales late in that month.

 

[AndyDavies]

I've been with GJW for years, at first on a mooring at Gourock (Cardwell Bay) and later in a marina. I changed to them because they were cheaper than Navigators but their policy allowed for 7 months afloat (1 April to 31 October) even when I was on the mooring. Although I always left the mooring during September as there were usually gales late in that month.

 

[AndyDavies]

Pants cover me until 31/10 on a swinging mooring in N Wales. They don't seem too bothered on location (I chopped and changed during renewal) as long as it's professionally maintained.

 

[steveeasy]

GJW seam excellent. I’m on a swing mooring April to end October and my premium is low and increased by £3 this year. Oh loch feochan.
Steveeasy

 

[yotter]

GJW seam excellent. I’m on a swing mooring April to end October and my premium is low and increased by £3 this year. Oh loch feochan.
Steveeasy

Steve,
Many thanks, I have just filled in an online quote, my mooring location is not one of their standard ones, so I am standing by for a phone call.
Many thanks again

 

[nevis768]

I am currently insured with Haven Knox Johnston. Although we are predominately marina based, I would like the option to use a swing mooring in Loch Melfort. Haven Knox Johnston only use one underwriter, AS Almin who will only provide cover until the end of August and I would like the option to use this mooring until the end of September. I got a good quote from Admiral Marine who will cover from 1st April till 30th October. Has anyone had any dealings with the company? I understand they are agents for Travellers Insurance Company Limited.

I'm insured with Noble Marine, no mooring restrictions, can leave it in all year if I want. Mooring on the Clyde, previously near Oban.

 

[yotter]

All,
many thanks for your recommendations and advice, I am sorted now

 

[awol]

All,
many thanks for your recommendations and advice, I am sorted now

Go on then - tell all. Who, how much, how big an excess?

 

[yotter]

Oh, there you are, were you lurking, a bit late, its all over

Went with Visicover underwritten by Allianz. (Thank you YLOP). A lot less than Haven NJ, higher excess but other conditions less restrictive, so happy. They also have a much better online portal.