Just pack one away in the back garden with the mast down and put all the bits in the garage, not much chance of damage ... pretty low risk.

Leaving it in a boat park though is a different matter as the boat next door could blow over and cause damage ,,,

I guess you have to take a view.

In reply to Jamie600, insurers are unable to offer a limited use policy because this is impossible to verify.  It is possible to check the mileage on a car, but not a boat. 

The fact remains that boats are at risk during the winter

• mice, squirrels and other vermin will make nests in sails 
• trees are blown down, or boats blown over during storms 
• boats are still at risk of being stolen or vandalised

Noble Marine will cover this type of accident and only a boat's owner can weigh up the cost of insurance against the potential risk.

The risk of a loss are reduced if the boat is kept at home, but insurers have to take an overall view when calculating premiums.  We do appreciate that, in general, boats are used less during the winter, but we have to base our premiums on a 12 month period. If short term policies were offered, the premium calculation would be weighted towards periods of greater use, but as I have already stated, it is not possible to quantify a boat's usage as you might by checking a car's mileage.

Jamie600 - if you plan to sell your boat, bear in mind that many insurers will provide a pro-rata refund if a boat is sold part way through a policy, although you should check your policy to see if penalties apply, especially during the first year of insurance.

I saw a guy pull a Miracle spinnaker out of his boat the other week and it fell to the ground like a shower of confetti ... the mice has totally destroyed it.

Rick