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Anyone with Noble Marine?
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The Moo View Drop Down
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    Posted: 23 Sep 15 at 9:54am
Originally posted by ventus

Find four large tyres, fill with concrete and a length of chain to use as a tie down point add two strong ropes. Job done.


There's posh. Down at the Aldi end of the dinghy park we have to make do with two tyres. but to be fair it's less exposed down there.

Edited by The Moo - 23 Sep 15 at 9:55am
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JimC View Drop Down
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Well, my policy says its only valid if the boat is securely tied down to the ground. There's a pretty ugly word for making a claim if your boat was only tied to the trailer or a bucket of concrete and your policy has the same wording.

Sure its a lot of work providing secure tie downs, but if the alternative is that the boats are uninsured maybe the work is worthwhile. Most clubs seem to think so.

Edited by JimC - 23 Sep 15 at 10:03am
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piglet View Drop Down
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Posts: 514 		Post Options Post Options   Quote piglet Quote  Post ReplyReply Direct Link To This Post Posted: 23 Sep 15 at 10:04am
All of these things are possible,
But,
What would an insurer consider 'reasonable precautions' given that not every sailor has access to tyres, concrete, a van or the nouse to put all these things together.
I tie to my roadbase with the road wheels removed, lower CofG etc. and harder to nick.
Many of my sailing colleagues wouldn't have the ability/tools/inclination to remove a trailer wheel let alone create a worthwhile surface mount anchoring system.
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The Moo View Drop Down
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Posts: 809 		Post Options Post Options   Quote The Moo Quote  Post ReplyReply Direct Link To This Post Posted: 23 Sep 15 at 10:10am
But surely with ownership there must come responsibility?
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JimC View Drop Down
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Posts: 6662 		Post Options Post Options   Quote JimC Quote  Post ReplyReply Direct Link To This Post Posted: 23 Sep 15 at 10:13am
Not a question of reasonable precautions. If your policy says tied to the ground then that's what it says. If that's hard then that's tough: accept you're not insured for being blown over (including fixing your neighbours boat if your boat broke that) or find an insurance policy that will cover loose boats.

Edited by JimC - 23 Sep 15 at 10:17am
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ventus View Drop Down
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Posts: 43 		Post Options Post Options   Quote ventus Quote  Post ReplyReply Direct Link To This Post Posted: 23 Sep 15 at 11:08am
Think my policy talks about being securely restrained nothing about tied to the ground. So it's exactly about reasonable precautions.

And a tyre full of concrete is a lot more secure than most ground anchors.
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piglet View Drop Down
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Posts: 514 		Post Options Post Options   Quote piglet Quote  Post ReplyReply Direct Link To This Post Posted: 23 Sep 15 at 12:06pm
'Tied to the ground' is open to interpretation.
Define 'ground'
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jeffers View Drop Down
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Posts: 3048 		Post Options Post Options   Quote jeffers Quote  Post ReplyReply Direct Link To This Post Posted: 23 Sep 15 at 12:16pm
Originally posted by piglet

'Tied to the ground' is open to interpretation.
Define 'ground'

OK

ground1
ɡraʊnd/
noun
  1. 1.
    the solid surface of the earth.
Paul
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piglet View Drop Down
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Posts: 514 		Post Options Post Options   Quote piglet Quote  Post ReplyReply Direct Link To This Post Posted: 23 Sep 15 at 12:52pm
Define solid
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JimC View Drop Down
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Posts: 6662 		Post Options Post Options   Quote JimC Quote  Post ReplyReply Direct Link To This Post Posted: 23 Sep 15 at 1:19pm
You can be as pedantic as you like piglet, but the insurance company assessor won't listen...

In the case of the wording of my insurance it would be simple: if the boat got blown over it wasn't tied securely to the ground.

Edited by JimC - 23 Sep 15 at 1:33pm
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