Hi, thank you for your reply, it suggests I might be missing something, the online quote engines seem quite generic, size, age and value, the cruising areas also, the furthest I'll be going in this particular vessel is UK coastal may be CI and French coast. Is a conversation worth the time waiting on the phone ?
Yes, they are generic - because by and large policies are! Does not mean that premiums from different insurers are the same, though. It is at the margins where you can get wide variations - for example old or unusual boats, high value boats, extended cruising areas where insurers are more picky and require more detailed information. The things that affect individual premiums are claims record (typically 20-25% discount) and location of mooring - 10-15% for recognised marina berth. The vast majority of claims are for theft and damage from the elements so you find that things related to actual sailing - qualifications, amount of time spent actually sailing have little or no impact on premiums - unless you are going offshore cruising for example.
