Insurance.
Printed From: Yachts and Yachting Online
Category: Dinghy classes
Forum Name: Dinghy development
Forum Discription: The latest moves in the dinghy market
URL: http://www.yachtsandyachting.com/forum/forum_posts.asp?TID=10709
Printed Date: 18 Jul 25 at 6:47am
Software Version: Web Wiz Forums 9.665y - http://www.webwizforums.com
Topic: Insurance.
Posted By: G.R.F.
Subject: Insurance.
Date Posted: 14 Feb 13 at 5:09pm
|
Some of the wags and I don't mean wives and girlfriends, are going to love this.. Just got my Saga Boat Insurance quote, 75 quid, I'm sure it cost me £120 from the man that got an MBE for a lifetime selling insurance to the RYA.. ------------- https://www.ease-distribution.com/" rel="nofollow - https://www.ease-distribution.com/ |
Replies:
Posted By: pondmonkey
Date Posted: 14 Feb 13 at 6:18pm
|
Which boat? Sounds pricey for the EPS? ------------- |
Posted By: G.R.F.
Date Posted: 14 Feb 13 at 6:20pm
|
EPS with racing cover, seemed cheap to me. I shall find the Noble thing I had to bloody insure it to race against you muppets at the FOM, didn't know what to expect, a lake full of internet keyboard warriors on water, maybe that's why the premium was so high..  ------------- https://www.ease-distribution.com/" rel="nofollow - https://www.ease-distribution.com/ |
Posted By: pondmonkey
Date Posted: 14 Feb 13 at 7:06pm
|
£85 for the Solo, through Towergate Mardon... £8k worth of cover though. ------------- |
Posted By: Neptune
Date Posted: 14 Feb 13 at 8:33pm
|
my Musto is just north of 250 quid....my track record's not good though over the last couple of years. Interestingly its less than my 600 insurance was with same company and the Musto is worth more than double! I reckon that's good value for how fast I could potentially hit stuff ------------- Musto Skiff and Solo sailor |
Posted By: G.R.F.
Date Posted: 14 Feb 13 at 8:37pm
Solo? Not exactly high risk though is it? Old fashioned so no one will ever nick it, slow, so no likelihood of major impact damage, and not exactly whiplash territory.. Whereas the EPS, sport boating equivalent of the Golf Gti hot hatch genre, what can I say, I'm surprised anyone would insure it.. ------------- https://www.ease-distribution.com/" rel="nofollow - https://www.ease-distribution.com/ |
Posted By: Andymac
Date Posted: 14 Feb 13 at 9:52pm
Am I right in thinking there was a spate of broken 600 masts = £££? If your insurance is fully comp, then that could explain the higher premium to value of the 600.
|
Posted By: NickM
Date Posted: 14 Feb 13 at 9:58pm
| Graeme, the trouble with the Solo is that it is so slow moving that other fast moving boats tend to assume it will get out of their way quicker. At least two innocent Solos at our club T-boned by lasers as they hardened up round the leeward mark in recent months (or was that years?...I forget.) |
Posted By: G.R.F.
Date Posted: 14 Feb 13 at 10:07pm
|
Innocent Solo.. I take it most of the rest are offenders/guilty ------------- https://www.ease-distribution.com/" rel="nofollow - https://www.ease-distribution.com/ |
Posted By: Neptune
Date Posted: 14 Feb 13 at 10:24pm
Old angel masts had as habit of breaking but that was years ago and yes fully comp always for me. For what they are, high performance boats, no the EPS is not high performance IMO, I reckon thats reasonable. ------------- Musto Skiff and Solo sailor |
Posted By: Neptune
Date Posted: 14 Feb 13 at 10:26pm
Lasers will T-bone anything, they don't discriminate ;-) ------------- Musto Skiff and Solo sailor |
Posted By: tick
Date Posted: 14 Feb 13 at 11:09pm
| Torque mateys, torque. Once my Solo got going it would destroy anything that got in its way. |
Posted By: gordon1277
Date Posted: 15 Feb 13 at 8:31am
|
Gjw for my Phantom under £100, Noble Marine £240 approx.
------------- Gordon Lossc |
Posted By: craiggo
Date Posted: 15 Feb 13 at 9:00am
| 600 premium was high due to a lot of breakages of Angel masts but also a lot of newbs to the class did a lot of silly things while learning to sail the boat. The racing on the circuit was also extremely close and competitive resulting in many incidents that led to holes in boats and torn sails. I used to pay around £200 on the 600. The 49er premium was £400 ish but then that included the fact I'd destroyed a 600 mast and then a 49 er topmost. 700 premium is currently £ 220ish and in 7years I've never claimed. Graduate premium is about £25. |
Posted By: pondmonkey
Date Posted: 15 Feb 13 at 9:05am
|
You haven't properly sailed a 600 until you've broken a mast It's the only mast I've snapped, excluding two Laser masts, they don't count. ------------- |
Posted By: olly_love
Date Posted: 15 Feb 13 at 9:14am
|
The EPS has a carbon rig tho, which has a higher replacement value, i was amazed or 28fter with full new for old racing cover and offshore is only £240 for the year, inc the trailer, thats about 15ks worth of cover ------------- TWO FRANK-Hunter Impala |
Posted By: G.R.F.
Date Posted: 15 Feb 13 at 9:24am
|
Well my guess, Saga haven't had experience of the likes of you mast breaking muppets so the premiums might be low. You can imagine some executive has gone 'oh lots of sailors are old, they must be like old car drivers, sensible wont crash or anything why don't we enter that market..' Ha they haven't met you lot have they.. ------------- https://www.ease-distribution.com/" rel="nofollow - https://www.ease-distribution.com/ |
Posted By: RS400atC
Date Posted: 15 Feb 13 at 1:56pm
|
Some companies are better than others in terms of what they offer if you have a poor claims history. Others are cheap if you have a good no claims history. Personally I am happy to look for a policy with a higher excess, as some things a lot of people would claim for I would just buy secondhand or get repaired. Mostly sailing with my wife I don't tend to break much, we tend to avoid the carnage of very windy days. |
Posted By: Rockhopper
Date Posted: 15 Feb 13 at 6:33pm
|
When i changed from the 300 to the 2000 the insurance company gave me £50 back a result really ------------- Retired now after 35 seasons in a row and time for a rest. 2004 national champ Laser5000 2007,2010,National Champ Rs Vareo |
Posted By: Caveman
Date Posted: 15 Feb 13 at 9:21pm
|
Yesterday, P & B returned my two year old Winder Solo. It had been with them for three weeks for a repair to a nine inch wide hole caused by an errant Laser. The boat looks as good as new again. The cost of the repair was substantial - about £800 plus door to door pick up and delivery arranged by P & B (Kent to Northampton). Once the photo of the damage was taken, I was pretty much able to leave everything to Noble Marine and P & B. Noble offer a fantastic service whether the accident was your fault or not. I am sure that the Laser sailor, who is also insured through Noble, would have had much the same experience apart from having to pay a small excess. I understand that the guys who run Noble are keen sailors themselves. I asked them how they can do it given the small premiums we pay and the number of racing incidents there are. It turns out that the answer is glaringly obvious. The vast majority of the UK's sailing dinghies languish unused but still insured in dinghy parks. So at least something good comes out of the currently low participation rate in sail racing! ------------- Enthusiasm>Skill |
Posted By: pondmonkey
Date Posted: 15 Feb 13 at 9:25pm
|
Nice silver lining- you can't fault noble's service agreed! ------------- |
Posted By: G.R.F.
Date Posted: 15 Feb 13 at 11:41pm
|
.Hmm sounds like a good idea for a Laser Hall of Fame to me... Get some stickers kind of Solo outline with a diagonal line through them, line then up Battle of Britain pilot style, we could have aces and everything... There's a Solo down our lake, think I need to kick off, get a website going... T-bone a Solo! Cool. Prang a pink one and it's double points. ------------- https://www.ease-distribution.com/" rel="nofollow - https://www.ease-distribution.com/ |
Posted By: tick
Date Posted: 16 Feb 13 at 10:17am
| I cannot fault Noble. When my Byte was burnt to dust by vandals on a Saturday night I posted about it on here on the Sunday where I mentioned that the whole boat had gone except the sail. I was going to phone Noble on the Monday morning......but they beat me to it and phoned me because they must have seen the forum. They paid the full insured value just knocking £50.00 for the sail. That is very good service and I would recommend them even if others may be cheaper. |
Posted By: NickM
Date Posted: 16 Feb 13 at 10:17am
| Triple if you can do it in a Mirror. |
Posted By: Blackie
Date Posted: 16 Feb 13 at 3:18pm
|
I've been with Craft Insure for many years. Absolutely brill. A bit more expensive but service is superb. A couple of the guys at Starcross have their B14 insured with Saga(combined age of around 234 I think!) . About half the price that I pay. They haven't tested it with a claim yet though. And some of their policies don't cover the sails when hoisted apparently. (I got that from one of the K1 guys) ------------- B14 - 764 Admiral Trailers |
Posted By: Ruscoe
Date Posted: 16 Feb 13 at 6:41pm
|
Craft insure handled my brothers claim appallingly. I would not recomend using them! ------------- |
Posted By: Blackie
Date Posted: 16 Feb 13 at 9:20pm
|
I can only speak as I find and they've always been brilliant...
------------- B14 - 764 Admiral Trailers |
Posted By: Xpletive
Date Posted: 17 Feb 13 at 1:00pm
How appropriate ....... Laser EPS ( Elderly Person's Sailboat ) |
Posted By: G.R.F.
Date Posted: 17 Feb 13 at 7:48pm
That's very good xpletive, your therapy is coming on really well, that was quite funny, now if you could tell the nice policeman where you buried the rest of the bodies, and they can finish your treatment. ------------- https://www.ease-distribution.com/" rel="nofollow - https://www.ease-distribution.com/ |
Posted By: Xpletive
Date Posted: 20 Feb 13 at 10:03pm
|
Posted By: winging it
Date Posted: 21 Feb 13 at 8:02am
|
Noble for me every time. I managed a fair bit of damage last year, but everything was settled very quickly and smoothly. I have a multi boat policy for my flotilla, but it's cheap because they know I won't take the mick when it comes to claiming, plus I fix the minor problems myself. The other thing I have found is it's worth talking to your insurers about some boats so they don't lump them all into the same easily broken category, eg all my moths. ------------- the same, but different... |