insurance

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).

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.

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!