Yacht Insurance to cover swinging mooring on Scotland West Coast

yotter

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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

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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

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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

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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

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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

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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

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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

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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.
 

Bodach na mara

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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

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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

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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

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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
 

nevis768

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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.
 
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