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Post by geoffwright on Mar 9, 2009 22:33:31 GMT 1
Hi All, My boat insurance is up for renewal next week. Since first insuring my boat I have had 3 different Brokers, and now a new insurance company. this year's third party only premium has gone from £105 last year to nearly £140 this, which includes a £15 setting-up fee !!  I've been seeking quotations on line, and on the 'phone, but not much success. Either the boat is not long enough, or it's too old, or the Companies only insure Fully Comp. Had a good quote from SAGA for £78, but they couldn't cover me even for a one-off trip to Guernsey as my boat is less than 24 feet! As she's registered (Part 1) in Guernsey, I couldn't accept that, LOL!.  If any of you kind folk know a good Broker/Comapny that insure 22 footers for Third Party, with the occasional Channel hop, I'd love to hear from you.  Thanks in advance. Geoff in Cornwall. |
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Post by ood on Mar 10, 2009 5:30:59 GMT 1
I guess you are lucky they are not insisting on a survey too!
Mines around 300 fully everything including Brittany etc, but then I think Navigators will pay........
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Post by Ken.P. on Mar 10, 2009 7:45:59 GMT 1
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Post by NigeL on Mar 10, 2009 11:29:08 GMT 1
Ken hit the link before me ... I had Basic Boat Liability for a while and they were fine. Some will try to tell you that it doesn't cover for salvage - not true - It does. Salvage - actually it should be called "Recovery of sunk boat" is required by all marinas / pontoon providers - obvious really !!
The other interesting bit is Basic Boat is not actually insurance of the boat - it's insurance of YOU and what you do !!
I just wish they covered out here.
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Post by roach1948 on Mar 11, 2009 9:34:38 GMT 1
Problem with these people is that they are only coastal waters with 12 mile limit. I used Porthcawl Insurance Brokers who set me up with Navigators (part of the Zurich Group). Unlimited single-handing, continental Europe covered. The only problem is the season. They insist on lift-out Sept-March. Just under £300 and they allow me to pay in monthly installments. I suspect you can half that 3rd party only. |
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Post by NigeL on Mar 11, 2009 10:25:28 GMT 1
Problem with these people is that they are only coastal waters with 12 mile limit. I used Porthcawl Insurance Brokers who set me up with Navigators (part of the Zurich Group). Unlimited single-handing, continental Europe covered. The only problem is the season. They insist on lift-out Sept-March. Just under £300 and they allow me to pay in monthly installments. I suspect you can half that 3rd party only. Basic Boat Liability gave me Brest to Elbe coverage without a 12mile limit. Maybe they've changed then ... |
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Post by Ken.P. on Mar 11, 2009 10:38:38 GMT 1
Still the same....
Any craft to be used on European inland or European coastal waters***
*** European means inland and coastal waters of continent of Europe (including the Channel Islands and the Isle of Man) between the River Elbe and the Port of Brest but in no circumstances south of 46 degrees north or east of 10 degree east.
• Main features and benefits
– £5.0 million limit of Indemnity
– Wreck removal costs up to £50,000 (if you are legally liable for these costs)
– Defence and Claimants costs covered (£5 million limit of indemnity)
– No limit on the age of the boat provided it is in sound condition
– Optional racing cover (for certain events under sail only – check with us)
– Cover whilst afloat and while stored ashore (£5 million limit of indemnity)
Usual - no connection etc.....
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Post by NigeL on Mar 11, 2009 10:39:40 GMT 1
Yep just checked and : Category infomation
Category 1:
Craft categories – Max length 60ft – Narrowboats 75ft
Craft description: Craft up to 17 knots based and used solely on UK non tidal waters including interconnecting tidal stretches for direct access to inland navigation systems, inland lakes and reservoirs.
Category 2:
Craft categories – Max length 60ft – Narrowboats 75ft
Craft description: Craft over 17 knots based and used solely on UK non tidal waters including interconnecting tidal stretches for direct access to inland navigation systems, inland lakes and reservoirs.
OR
Craft up to 17 knots based and used solely on UK inland or coastal waters up to 12 nautical miles from the coast.
Category 3:
Craft categories – Max length 60ft – Narrowboats 75ft
Craft description: Any craft over 17 knots based and used solely on UK inland or coastal waters up to 12 nautical miles from the coast.
OR
Any craft to be used on European inland or European coastal waters***
*** European means inland and coastal waters of continent of Europe (including the Channel Islands and the Isle of Man) between the River Elbe and the Port of Brest but in no circumstances south of 46 degrees north or east of 10 degree east.
So category 3 appears to be OK ...
What to pay
Either Standard Premiums
Category 1 £69.00
Category 2 £79.00
Category 3 £89.00
Or RYA /IWA Members Premiums
IMPORTANT You must fill in your Membership No in the space provided on the application form.
Category 1 £62.10
Category 2 £71.10
Category 3 £80.10
Racing cover (under sail only) is only available under category 3.
All prices are inclusive of Insurance Premium Tax where applicable.
www.basic-boat.com/basicboat/how-to-cover.html |
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Post by geoffwright on Mar 11, 2009 11:19:38 GMT 1
Hi Guys,
Yes, I looked them up and everything seems to be OK. Might just give them a call later, but with my RYA membership the cover charge seems to be very acceptable. As was said, they seem to cover the person for negligence, and not the boat. Same thing really, but I want to be 100% sure.
Thanks for all your comments.
Geoff
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Post by geoffwright on Mar 11, 2009 17:27:19 GMT 1
Hi Guys,
Just had a quote from Nautical, who quoted me £77 Third Party, excess of £100, and £3 Million cover, Inland and coastal waters UK, extended to include Continental waters Brest to the river Elbe. This quote is cheaper than the Basic Boat, and is for the boat.
This seems to be a good deal, and much cheaper than my existing renewal, as I said before.
Geoff
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Post by NigeL on Mar 11, 2009 17:53:42 GMT 1
Hi Guys, Just had a quote from Nautical, who quoted me £77 Third Party, excess of £100, and £3 Million cover, Inland and coastal waters UK, extended to include Continental waters Brest to the river Elbe. This quote is cheaper than the Basic Boat, and is for the boat. This seems to be a good deal, and much cheaper than my existing renewal, as I said before. Geoff Sounds good .... |
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