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Anyone with Noble Marine?

Printed From: Yachts and Yachting Online
Category: General
Forum Name: Insurance
Forum Discription: Questions and answers related to this topic
URL: http://www.yachtsandyachting.com/forum/forum_posts.asp?TID=9841
Printed Date: 13 Dec 17 at 6:54pm
Software Version: Web Wiz Forums 9.665y - http://www.webwizforums.com


Topic: Anyone with Noble Marine?
Posted By: Chris415700
Subject: Anyone with Noble Marine?
Date Posted: 19 Sep 12 at 8:28am
Then it might be worth double checking your renewal when it comes.

We have an old Byte that the kids sail occasionally. The insurance renewal notice came from Nobles a couple of days ago and at £71.85 it seemed a bit steep. I checked on the Noble web site and if I was to take out a new policy it would only cost me £62.64, so I phoned Nobles to find out why.

After a bit of head scratching by the lady at Nobles I was told that the policy details were for a MegaByte and they agreed to send me a new renewal notice for the correct amount. I found this a bit concerning as the renewal notice clearly states Byte, so it appears that there may be a bug in the Noble system that puts the wrong premium amount on renewal notices.



Replies:
Posted By: winging it
Date Posted: 19 Sep 12 at 9:10am
well, all my boats (8) are insured with Noble Marine, have been for years, and I've never had this problem.  

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the same, but different...



Posted By: pondmonkey
Date Posted: 19 Sep 12 at 9:31am
Always used to be, and can't fault the service, but I found towergate mardon to be more competitive this year so I moved my boards to them.

My ickle yot has been with craftinsure from day 1 as they offered a great non-race package and their charges for a Spanish cert were very reasonable.

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Posted By: alstorer
Date Posted: 19 Sep 12 at 9:46am
Of course, he who does not check the wording of his insurance renewal carefully ANYWAY is a fool. Everyone can make mistakes.

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-_
Al


Posted By: r2d2
Date Posted: 19 Sep 12 at 10:20am
too true - I find that every automatic renewal quote for car insurance I receive is way too high and I end up alternating between the insurance companies on a yearly basis because they will always beat a competitor's quote (and often their own auto renewal quote as well) if you give them a chance on the phone


Posted By: jeffers
Date Posted: 21 Sep 12 at 7:18am
I am with Noble and have never had any issues. yes they are a little more expensive than the competition but the peace of mind I have knowing that any claim will be sorted quickly and I will be back on the water ASAP is worth every penny.

With regards to car insurance I NEVER take the automatic renewal notice. i always ring them up and ask them to explain why they have racked my premium up and I can get it cheaper elsewhere on the same terms (or better). this usually results in a drop in premium. They probably make enough with people who just look at it and let it run.


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Paul
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D-Zero GBR188
Ex Rooster 8.1 '11'
Ex Laser 167534
Ex Blaze 655


Posted By: Contender443
Date Posted: 21 Sep 12 at 8:01am
I am not with Noble as they are much more expensive than Insurance 4 Dinghies. I do not intend to claim and if I do I would not expect to claim very often.

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Bonnie Lass Contender 1764


Posted By: Neptune
Date Posted: 21 Sep 12 at 8:51am
Originally posted by Contender443

I am not with Noble as they are much more expensive than Insurance 4 Dinghies. I do not intend to claim and if I do I would not expect to claim very often.

I also do that but i had a run that could at best be described as bad luck last year to such an extent i was on first name terms with the claim ladies at Noble.  They are brilliant by the way.

I don't think anyone ever takes insurance on the basis that they will claim and often.


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RS300, ex Musto Skiff


Posted By: blueboy
Date Posted: 21 Sep 12 at 9:21am
Originally posted by Contender443

I do not intend to claim


That is kind of the idea of insurance. It's for what you don't intend to happen but nevertheless might.


Posted By: Peaky
Date Posted: 21 Sep 12 at 9:32am
Never the less, some people seem to make it an annual habit to claim.

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Posted By: GybeFunny
Date Posted: 21 Sep 12 at 10:33am
Originally posted by Contender443

I am not with Noble as they are much more expensive than Insurance 4 Dinghies. I do not intend to claim and if I do I would not expect to claim very often.

I thought the same at my last renewal, been with insurance4dinghies for a few years now as its half the price of Noble. I had my first claim with them recently and the process isnt anywhere near as good as my previous experience with Noble. I4d donít have a list of approved repairers, instead you must take it to a repairer who must give a written quote, then they wont start work until i4d approve, this takes a few days. My claim involves a 3rd party who was at fault so I have had to fill in a tonne of forms for the i4d legal partner, these people ask such silly questions for what was a port/starboard incident. I4d have paid for the bulk of the repair costs but I am still out of pocket my excess 3 months after filling in the first form!
I have dealt with noble in the past who dealt with everything and paid the repairer direct so I was never out of pocket.
Given this experience I will think long and hard about switching back to noble at my next renewal.


Posted By: Contender443
Date Posted: 21 Sep 12 at 10:47am
Gybe funny but is the Noble experience worth double the price? Dinghy sailors should not expect to claim as often as they do. I wonder why some insurers pay out for what is clearly a wear and tear issue. Is it just cheaper for them to pay out rather than go to the expense of investigating the claim?
 
I think we should provide this feedback to I4d so they can improve their service or we just live with it as we only claim infrequently.


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Bonnie Lass Contender 1764


Posted By: GybeFunny
Date Posted: 21 Sep 12 at 4:28pm
Originally posted by Contender443

Gybe funny but is the Noble experience worth double the price? Dinghy sailors should not expect to claim as often as they do. I wonder why some insurers pay out for what is clearly a wear and tear issue. Is it just cheaper for them to pay out rather than go to the expense of investigating the claim?
 
I think we should provide this feedback to I4d so they can improve their service or we just live with it as we only claim infrequently.

Thats why I said I would think long and hard at my next renewal, I will have to decide then if its worth double the price at the time. I suspect come renewal in April my thoughts about the service may have mellowed a bit....
I will definitely feedback to i4d once this claim is all over.


Posted By: pondmonkey
Date Posted: 21 Sep 12 at 5:29pm
Agree with Mark- a lot of dinghy sailors claim all the time.  Quite frankly snapping a top section of a Laser mast and breaking the luff tube as a result is WEAR and TEAR, not an 'accident'.  

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Posted By: craiggo
Date Posted: 21 Sep 12 at 6:28pm
You are of course right. Too many people claim for things that they ought to just go out and replace themselves. If the clutch cable breaks on your car, you don't go and claim a new one on the insurance, you either fix it or you get a garage to fix it. Genuine breakages caused by racing incidents should be covered but there is a whole heap of stuff that I am often surprised is covered.



Posted By: Neptune
Date Posted: 21 Sep 12 at 8:46pm


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RS300, ex Musto Skiff


Posted By: craiggo
Date Posted: 21 Sep 12 at 10:52pm
Of course, I shall edit my previous post as I was being thick!


Posted By: Neiljbg
Date Posted: 24 Sep 12 at 8:24pm
Should point out that Noble Marine do support classes by providing a percentage of insurance premium payments to relevant classes. For a small class association like ours (Laser 5000) that is about 25% of our yearly income. They maybe more expensive than some but you get what you pay for......


Posted By: winging it
Date Posted: 24 Sep 12 at 9:22pm
well, I am about to test Mr Langford's patience with my second claim for a new kestrel mast this year.  That being said, I will not be claiming for the hole in the side deck which I can fix myself, nor (hopefully) for the bent centreboard which I am hoping can be put back into shape.  Nor did I claim when the rig was ripped out of my little I moth, as I am also fixing that myself.  Nobles know I do this sort of thing, and therefore keep my premium pretty low.

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the same, but different...



Posted By: Gao ming
Date Posted: 21 Sep 15 at 12:09pm
I've been racing since the early 70's, during which time I've made no significant claims with Noble or any other insurance company. However, having recently put in a minor claim, it is evident Noble Marine is not the company it was in Richard Langford's day and I for one will be placing my future business elsewhere. I'm quite disgusted that they should quibble over £14.60 (particularly given the thousands I've shelved out in premiums over the years) and then have the arrogance to send a cheque as a fait accompli. For decades I've recommended M.A.Noble / Noble Marine to others and taken the view that the higher premiums they charge were more than compensated by a no-nonsense approach and above-average customer service. Well, I now hold the view that's a myth. I certainly won't be attending any events that are associated with Noble Marine in the future. 



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