noble for the laser

and red insurance for the cats

sooo glad i dont have to pay for the insurance. the bills ganna be massize.

thanxs mum

noble but its gettin expensive too many claims

I insured with craftinsure.com but am going to change. I had a claim for a broken mast 2 years ago and the premium went up significantly. They are getting their money back double quick.

So far had quote from Bishop Skinner and am about to look for others.

I was going to go with Bishop Skinner until I read this in their policy

"We will not pay for loss of or damage to masts, spars and fittings, sails and standing or running rigging while You are racing Your boat."

Don't like the wording of that.

Still looking. Looked at Newton Crum but they were expensive, as well as Noble.

Garry Yes it does say full racing risks at the start of the page, but later on it mentions about spars not being covered whilst racing.

Confusing or what.

I am insured through Craftinsure - I had one claim for a new mast in 2003. My premium has gone up since then. So I think all insurance companies increase their rates after a claim.

Also beware if you make too many claims you may be refused insurance.

Originally posted by jamesint505  I have snapped two masts since christmas one on my 505 on new years day at leigh and lowton and one on my contender.Ive now got a new on for the 50' but it took a while (only got it last thursday) but think it was the suppliers rather than the insurance.The contender is going to be about another month or so but again think its due to the rarity of aluminium proctor masts .I'm with Noble by the way and although theyv'e been good hope I don't have to go through the rigmarole cos ive hardly been sailing since last year.BTW do you think my premium will go up next year by any chance as when i payed they seemed to have fixed rates for different boats,

i was at leigh that day. it was a hell of a squall came through. i was in the red scorp with the welsh dragon spinni dont know if you would reconise it?

cheers 4 all ur feed back, ive just insured with nobel marine for my new boat

send em in we need to see lol

Mark has built a new forum for http://www.yachtsandyachting.com/forum/forum_topics.asp?FID=27 - Insurance-type-topics .  Why not dig the photos out and post them?

This is a good example of why you should always check the policy wording carefully as not all policies offer the same level of cover.

Have a look at Noble Marine's http://www.noblemarine.co.uk/insuringyourdinghy.php3 - Guide to Insuring your Dinghy which should explain some common insurance terms and highlight some of the differences between insurance policies. 

Noble Marine would pay for replacement kit if it was stolen, assuming that you had taken reasonable steps to secure the equipment.  We would consider reasonable steps to include

• Hiding the equipment, out of sight underneath a boat cover
• locking it in your car
• Placing the equipment out of sight in a tent.
• removing it and taking it home with you

It is difficult to answer whether you should claim from the car, house or boat insurance, as all policies have different levels of cover and exclusions.  For instance, some house or car policies may exclude sports equipment or may exclude items which are covered by a second policy.

All I can say, is that the equipment would be covered by a comprehensive policy from Noble Marine, assuming you had taken steps to secure the equipment (as above).

I have just bought a cheap dinghy and was wondering do I really need insurance either for my own risk or for legal reasons?  As a first time owner I don't know what's required or suggested.

It is a legal requirement to have third party liability insurance on most inland waterways.  In addition many sailing clubs / harbour authorities / marinas etc will not let you launch on their facilities unless you have liability cover.

At many other locations, there is no legal need to have any insurance, but I would ask yourself what would happen, if you were to collide with another expensive boat, or worse still, injure another water user.  It is possible that you could end up losing all of your worldly possessions.

In my opinion, it's not worth the risk, when you consider a policy would cost in the region of £20 - £30.

I'm looking into it as we speak.

I was easily persuaded as I wouldn't like to cause anyone else any hardship or distress for the sake of a few pounds insurance.

Where do I get quotes?

Any online insurance companies recommended?

Noble Marine will only request your credit  / debit card details when you decide to puchase a policy and only then, on a secure payment page.

It is possible for most classes of boat to obtain an automatic on-line quotation without even entering your name or address.

If you would prefer, we can offer you a quotation over the telephone.  Send me a pm or give me a call on 01636 707606.

Jonathan

I'm with Bishop Skinner so was a bit concerned by this, so I dropped them a line. Their response was:

Previously I was with Noble Marine for my Laser 3000, had one claim and found them very responsive.

I'd have liked to have stopped with Noble but when I got my second boat the their renewal was £440 (two separate policies) against Bishop Skinner £180 (both boats on a single policy). No experience of claims from BS yet though!

Your premium would not necessarily rise after making a claim.  We would look at a number of factors whem assessing renewal premiums

• The value of the claim in relation to the boat's value
• How long you have been insured with us
• how many other claims you have made in recent years

PS - We do appreciate the kind comments made by members of these forums.  It has always been our aim to deal with our clients in a fair and speedy way and it nice for our efforts to be recognised. - Thank you.

What boat do you have?

There shouldn't be too much of  problem providing you with a Third party only policy, without the need for a full survey.  If you have any recent photos of the boat, to show its general condition, I am confident that we can provide cover.

To obtain a quotation, please follow the relevant link for your boat type below

http://www.noblemarine.co.uk/yachtinsurance.php3 - Yachts and Keel-boats

http://www.noblemarine.co.uk/motorboatinsurance.php3 - Motor Boats

http://www.noblemarine.co.uk/dinghyinsurance.php3 - Dinghies

I have investigated the quotation we have offered to you and can confirm that we will need some evidence to demonstrate that the boat is in a seaworthy condition.

Instead of a full out-of-water survey, we have requested a condition report.  This could be a few sentences from a local boatyard, yacht club official or someone in a similar position, who knows the boat.

Alternatively, details of recent maintenance and photos will assist.

hello nobil, i am in the process of talking to a marine surveyer for a quote. i have tried every where local to where my boat is kept with no luck. i am including some url`s of pics of my boat. i have shed loads of reciepts to prove work that i have done to the boat. the engine has had hundreds spent on it, from reground crank and shells, new piston rings, thermostat, impellar, engine mounts, cylinder head valves reground professionlly, the list goes on. hull paints used Blakes sfe200, underwater primer, cruising performer ( antifouling ), boot line paint, above the waterline, epu undercoat, polygloss. really the list is endless

sorry i forgot the url

http://i9.photobucket.com/albums/a95/abbott013/9abbc388.jpg - http://i9.photobucket.com/albums/a95/abbott013/9abbc388.jpg

http://i9.photobucket.com/albums/a95/abbott013/Image007.jpg - http://i9.photobucket.com/albums/a95/abbott013/Image007.jpg

http://i9.photobucket.com/albums/a95/abbott013/6505342e.jpg - http://i9.photobucket.com/albums/a95/abbott013/6505342e.jpg

This is exactly the information we are seeking before we could offer Third party liability cover.

I will send you a private message explaining in detail, how you should proceed with the insurance.

Information  hmm, i phoned you today with the quote ref, and was told i still needed to have a condition report. Well i managed to find someone to do the report, they are 30 miles away from my boat, i was quoted a whopping £240.

anyway enough of that, i have decided to go some where else.

                         thanks for trying

                                       Martin

i don't get it, so would the insurance for my 35 year old laser be through the roof then?

Just to clarify.

Bananaman - Having seen the photographs of your boat, we can give cover but will require the details of work carried out, copies of receipts etc to demonstrate the boat's condition - This is the condition report we are referring to, and the information you had indicated could be made available, in a previous post.  We do not require a full out of water survey for this boat.  As a further point, it was not Noble Marine who quoted the premium of £240!

Laser47- the premium for third party only cover on your Laser will be just £26.25.

Jon

Craft insure are generally pretty cheap initially, and you can sort everything on the web.

From experience they sort out claims quickly and efficiently, but tend to hike up your following years premium after the claim

Thiis is the insurance companies method of saying that we no longer want to insure you.  There are four things you can do

1.  Nothing - Shut up and put up

2.  Try to speak to the company directly - You never know

3.  Change Insurance companies - You will usually save as a new customer

4.  Get a number of quotes from othe companies (including your own) as a new customer.  Then ask your own insurance company what they are going to do about it.  Be sure that you are willing to move though as if they say we will do nothing then you are stuck with option 1 or 3

No it's not necessary to increase the premium!   In the same way that each insurance company offers different policy wording, different premiums and different customer service, they each also have a different attitude to claims.

I would have thought that one claim in 30 years, is relatively insignificant from an insurers point of view and overall you represent a good risk.

Have you checked with your insurer to ask why the premium has increased?  The increase may not be personal to you and they may have decided to increase all premiums for your class of boat or for all boats at your particular club, due to other incidents.

As suggested by Contender 541, obtain quotes from alternative companies, but make sure that they are aware of the recent incident.  Also check the cover offered carefully as a cheaper policy may end up costing more if you are unlucky enough to have to make a second claim.