29er GBR 074 Tynemouth |
Laurent Giles 'Jolly Boat' Exeter |
J24 (Sail No. 4239) Dartmouth |
List classes of boat for sale |
insurance |
Post Reply | Page <1 23456 7> |
Author | |
headfry
Far too distracted from work Joined: 15 Jul 04 Location: United Kingdom Online Status: Offline Posts: 359 |
Post Options
Quote Reply
Topic: insurance Posted: 27 Jul 05 at 4:09pm |
what happens if your sails etc are in your car and your car is either
stollen or your kit taken from your car? do you claim from car ins or
boat!
What if camping and sails etc taken from pitch! |
|
Noble Marine
Posting king Joined: 09 May 05 Location: Newark, Nottinghamshire Online Status: Offline Posts: 126 |
Post Options Quote Reply Posted: 27 Jul 05 at 4:34pm |
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
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). |
|
spiderg
Groupie Joined: 20 Jul 05 Location: Scotland Online Status: Offline Posts: 54 |
Post Options Quote Reply Posted: 27 Jul 05 at 4:49pm |
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.
Edited by spiderg |
|
Spiderg
|
|
Jon Emmett
Really should get out more Joined: 15 Mar 04 Location: United Kingdom Online Status: Offline Posts: 985 |
Post Options Quote Reply Posted: 27 Jul 05 at 4:50pm |
You need third party insurance to race...
|
|
spiderg
Groupie Joined: 20 Jul 05 Location: Scotland Online Status: Offline Posts: 54 |
Post Options Quote Reply Posted: 27 Jul 05 at 4:54pm |
I wouldn't be racing in my boat, infact the local dredger will clip my sails if we raced. No, I want to simply cruise about the Ayrshire shores and hopefully some British lochs, but I do want to do it legally.
|
|
Spiderg
|
|
Noble Marine
Posting king Joined: 09 May 05 Location: Newark, Nottinghamshire Online Status: Offline Posts: 126 |
Post Options Quote Reply Posted: 27 Jul 05 at 5:05pm |
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. |
|
spiderg
Groupie Joined: 20 Jul 05 Location: Scotland Online Status: Offline Posts: 54 |
Post Options Quote Reply Posted: 28 Jul 05 at 9:10am |
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? Edited by spiderg |
|
Spiderg
|
|
Noble Marine
Posting king Joined: 09 May 05 Location: Newark, Nottinghamshire Online Status: Offline Posts: 126 |
Post Options Quote Reply Posted: 28 Jul 05 at 9:26am |
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 |
|
spiderg
Groupie Joined: 20 Jul 05 Location: Scotland Online Status: Offline Posts: 54 |
Post Options Quote Reply Posted: 05 Aug 05 at 9:33am |
Thank you. I have just been reliably informed that my local harbour master will give me a key for access to our local slipway only when I can provide proof of third party insurance. So I guess I better get some insurance.
|
|
Spiderg
|
|
yellowhammer
Far too distracted from work Joined: 08 May 05 Location: United Kingdom Online Status: Offline Posts: 270 |
Post Options Quote Reply Posted: 05 Aug 05 at 3:59pm |
I'm with Bishop Skinner so was a bit concerned by this, so I dropped them a line. Their response was: Thank you for your email and I can confirm that on the dinghy policy all racing risks would be covered. The section you refer to is for the Yacht policy. I hope this answers your question. Regards, Trevor Cogman, Marine Department, Bishop Skinner & Co. Ltd. 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! |
|
Laser 3000 @ Leigh & Lowton SC
www.3000class.org.uk |
|
Post Reply | Page <1 23456 7> |
Forum Jump | Forum Permissions You cannot post new topics in this forum You cannot reply to topics in this forum You cannot delete your posts in this forum You cannot edit your posts in this forum You cannot create polls in this forum You cannot vote in polls in this forum |