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insurance

Printed From: Yachts and Yachting Online
Category: General
Forum Name: Insurance
Forum Discription: Questions and answers related to this topic
URL: http://www.yachtsandyachting.com/forum/forum_posts.asp?TID=469
Printed Date: 18 Nov 19 at 11:36am
Software Version: Web Wiz Forums 9.665y - http://www.webwizforums.com


Topic: insurance
Posted By: sailor.jon
Subject: insurance
Date Posted: 20 Feb 05 at 12:23pm
my insurance with bishop skinner is due 4 renewel, so i was wondering, which insurance companys do u guys use, who do u think is the best and who gives best value 4 money?

cheers 

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Jon
Vortex 1169
http://www.yorkshiredales.sc/ - Yorkshire Dales Sailing Club



Replies:
Posted By: Harry44981!
Date Posted: 20 Feb 05 at 12:28pm
noble marine


Posted By: hurricane
Date Posted: 20 Feb 05 at 2:12pm

noble for the laser

and red insurance for the cats



Posted By: terraslazer
Date Posted: 20 Feb 05 at 5:17pm

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

thanxs mum



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Laser Radial For Sale For Details And Pictures See
http://mylaserforsale.orbitaltec.net/


Posted By: terraslazer
Date Posted: 20 Feb 05 at 5:19pm
oh and i think its newton crum

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Laser Radial For Sale For Details And Pictures See
http://mylaserforsale.orbitaltec.net/


Posted By: nathan
Date Posted: 20 Feb 05 at 6:49pm
noble marine-  v.efficient


Posted By: stuarthop
Date Posted: 20 Feb 05 at 7:17pm

noble but its gettin expensive too many claims



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Posted By: Contender443
Date Posted: 20 Feb 05 at 7:24pm

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.



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Bonnie Lass Contender 1764


Posted By: hydrographer20
Date Posted: 21 Feb 05 at 3:55pm
hi i have just bought a topper byte and need to indure it any ideas on the cheapest insurance

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byte me!- GBR 814


Posted By: Jon Emmett
Date Posted: 21 Feb 05 at 4:48pm
Noble Marine gives the best value for money as well as excellent service.

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http://www.amazon.co.uk/Be-Your-Own-Tactics-Coach/dp/0470973218/ref=sr_1_1?ie=UTF8&qid=1312565831&sr=8-1 -


Posted By: Chris Noble
Date Posted: 21 Feb 05 at 9:45pm
whats more, they are one of the only ones to insure moths

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http://www.noblemarine.co.uk/home.php3?affid=561 - Competitive Boat Insurance From Noble Marine

FOR SALE:

I14 2 Masts 2 poles 3 Booms, Foils Kites/Mains/Jibs too many to list.


Posted By: Phil eltringham
Date Posted: 22 Feb 05 at 1:07pm
All I will say is from experience do not go with W.H. I found them to be slow and expensive. 

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FLAT IS FAST!
Shifts Happen


Posted By: redback
Date Posted: 22 Feb 05 at 10:27pm
I hope Noble are reading this - I might get a discount.  I need one because they are expensive but they don't quible and they are fast.  If you sail a high performance boat and value you're time afloat they are the company, but it come at a price.


Posted By: Contender443
Date Posted: 22 Feb 05 at 10:37pm

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.



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Bonnie Lass Contender 1764


Posted By: ssailor
Date Posted: 23 Feb 05 at 4:18pm
Ive got to renew my I14 insurance and feel a change in company is needed - who do you guys reckon are best for a high performance international 14?



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Any one in need of quality carbon fibre work (tillers etc) at decent prices!

Int 14 Gbr 1244 'Nucking Futs'

The New Port rule!!.


Posted By: Garry
Date Posted: 24 Feb 05 at 7:48pm
Mark BS website says they cover full racing risks? see http://www.bishopskinner.com/dinghy_insurance.html

My current insurance is with Newton Crum but due for renewal soon. I've always found NC to be cheapest, but have to say when I had a claim to my Mirror many years ago (not my fault) they were pretty slow at dealing with it and made me take the boat miles. Being much older and wiser now they wouldn't get away with it again (and I would change at the drop of a hat if I got the right deal). Will be shopping around at the Dinghy Show if there are any insurers there?

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Garry

Lark 2252, Contender 298

www.cuckoos.eclipse.co.uk


Posted By: Contender443
Date Posted: 24 Feb 05 at 9:33pm

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.



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Bonnie Lass Contender 1764


Posted By: flat is fast
Date Posted: 09 Mar 05 at 10:38am
i would say that nobal give s best value over all for most boats i have never had any problems with them

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no fear


Posted By: sailorguy
Date Posted: 09 Mar 05 at 3:53pm
nobel i think but i don't have to pay: thanks dad

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RS 500 (twin wire)
Laser 157607
Laser 85446
Pico 2136


Posted By: jamesint505
Date Posted: 09 Mar 05 at 8:56pm
 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,

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505 7567


Posted By: Phil eltringham
Date Posted: 09 Mar 05 at 10:01pm
The rate definately goes up after a claim.

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FLAT IS FAST!
Shifts Happen


Posted By: Contender443
Date Posted: 09 Mar 05 at 10:09pm

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.



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Bonnie Lass Contender 1764


Posted By: flat is fast
Date Posted: 09 Mar 05 at 10:56pm

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?



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no fear


Posted By: sailor.jon
Date Posted: 10 Mar 05 at 9:02pm

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



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Jon
Vortex 1169
http://www.yorkshiredales.sc/ - Yorkshire Dales Sailing Club


Posted By: jamesint505
Date Posted: 16 Mar 05 at 4:40pm
Originally posted by flat is fast

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?

Yeah was bleedin awfull pulled a dodgy gybe at the bottom mark(not going fast enough) went over and that was it stuck in the mud!Had two of us on the board (about 30 stone!) and the wind was so strong just couldn't get it to budge .Poor boat spent the night in the lake got some pictures somewhere !

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505 7567


Posted By: flat is fast
Date Posted: 16 Mar 05 at 5:50pm

send em in we need to see lol

 



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no fear


Posted By: Noble Marine
Date Posted: 10 May 05 at 8:21pm

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?



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: 49erGBR735HSC
Date Posted: 12 May 05 at 3:11pm
I've complained about the price of my insurance in the past, but in retrospective it's probably fair. I wouldn't change from Noble just because I'm really happy with the service they provide, always are able to sort things out really quickly and all the other companies seem in a league below them.

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Dennis Watson 49er GBR735 http://www.helensburghsailingclub.co.uk/ -
Helensburgh S.C
http://www.noblemarine.co.uk/home.php3?affid=560 - Boat Insurance from Noble Marine



Posted By: Strawberry
Date Posted: 27 Jun 05 at 1:00pm
Noble do not let you pay monthly. That's why I went with craftinsure.

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Cherub 2649 "Dangerous Strawberry


Posted By: Noble Marine
Date Posted: 27 Jul 05 at 3:57pm

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. 



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: headfry
Date 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!


Posted By: Noble Marine
Date 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

  • 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).



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: spiderg
Date 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.

 



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Spiderg


Posted By: Jon Emmett
Date Posted: 27 Jul 05 at 4:50pm
You need third party insurance to race...

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http://www.amazon.co.uk/Be-Your-Own-Tactics-Coach/dp/0470973218/ref=sr_1_1?ie=UTF8&qid=1312565831&sr=8-1 -


Posted By: spiderg
Date 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.

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Spiderg


Posted By: Noble Marine
Date 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.



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: spiderg
Date 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?



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Spiderg


Posted By: Noble Marine
Date 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



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: spiderg
Date 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.

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Spiderg


Posted By: yellowhammer
Date Posted: 05 Aug 05 at 3:59pm
Originally posted by Contender443

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.

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!



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Laser 3000 @ Leigh & Lowton SC
www.3000class.org.uk


Posted By: Ginger_69
Date Posted: 21 Aug 05 at 8:11pm
does BS have a web site because im looking for a cheep insurance for my cherub aka whaam i looked at noble and they gave me a quote of 115 for fully comp and 31 for third party which i dont relly want having a wooden cherub!!

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Chew valley lake s c
Topper(RED)-29412
I14 1209
lightning-168
Whaam (cherub)
Atum bom (cherub)old crew (the 1 in the youtube vids)
Will be arup skiff crew aka marmite


Posted By: spiderg
Date Posted: 31 Aug 05 at 5:22pm
I just got insurance with Noblemarine today and I was impressed with my quote.  I didn't pay over the top for my boat but with all things considered, especially other water users, I plumped for fully comp and was pleasantly surprised.  For a cheap policy, I have now got peace of mind.

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Spiderg


Posted By: 49erGBR735HSC
Date Posted: 09 Nov 05 at 5:33am
Noble Marine provide the best insurance policy through my knowledge, spoken to sailors within my club and on a national basis and with the few exceptions, everyone swears by them.

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Dennis Watson 49er GBR735 http://www.helensburghsailingclub.co.uk/ -
Helensburgh S.C
http://www.noblemarine.co.uk/home.php3?affid=560 - Boat Insurance from Noble Marine



Posted By: les5269
Date Posted: 09 Nov 05 at 8:19pm
Noble may be slightly more expensive but they do a very good job if you claim. I had a fairly hefty claim a few months ago  but thet sorted it within a week and no trouble to me at all  


Posted By: big man is back
Date Posted: 18 Nov 05 at 11:01am
i claimed for a rudder and they were very good infact i was very impressed by which how easy it was to work with them. well done nobal. by the way how much does you insurance go up after a claim?

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maybe theres more to life than being really really really really..........really good looking


Posted By: Noble Marine
Date Posted: 18 Nov 05 at 11:37am

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.



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: bananaman
Date Posted: 26 Feb 06 at 9:49pm
can anyone help me find an insurance company that would not need a survey for a grp boat dating to 1967, i am looking for third party only.


Posted By: Noble Marine
Date Posted: 27 Feb 06 at 9:10am

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



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: bananaman
Date Posted: 27 Feb 06 at 10:26am
sorry noble insurance, you are still aking for a condition report,


Posted By: Noble Marine
Date Posted: 27 Feb 06 at 11:22am

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.



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: bananaman
Date Posted: 27 Feb 06 at 6:11pm

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



Posted By: bananaman
Date Posted: 27 Feb 06 at 6:16pm

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



Posted By: Noble Marine
Date Posted: 28 Feb 06 at 9:46am

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.



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: bananaman
Date Posted: 28 Feb 06 at 7:21pm

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



Posted By: laser47
Date Posted: 28 Feb 06 at 8:59pm

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



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Posted By: Noble Marine
Date Posted: 01 Mar 06 at 9:35am

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



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .


Posted By: sailor.jon
Date Posted: 05 Mar 06 at 11:26am
hi all, its been a while since ive been on.

Who is the best insurance company to go with for the laser, sevice and price wise??

Please DO NOT say Noble marine I want an alternative to them.

Cheers

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Jon
Vortex 1169
http://www.yorkshiredales.sc/ - Yorkshire Dales Sailing Club


Posted By: bananaman
Date Posted: 05 Mar 06 at 2:36pm
try the Basic Boat Liability Company on 08707870030, if you are looking for a third party insurance only, no hassle at all.


Posted By: sailor.jon
Date Posted: 05 Mar 06 at 3:40pm
thanks for the reply but the boats only 1 yr old so i'd be looking for fully comp
cheers

-------------
Jon
Vortex 1169
http://www.yorkshiredales.sc/ - Yorkshire Dales Sailing Club


Posted By: Dead Air
Date Posted: 19 Mar 06 at 3:24pm

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



Posted By: boomer
Date Posted: 16 May 06 at 4:35pm
Ok - so I've had a little claim, first since starting sailing 30+ years ago.  Some vagabond breaks into the dinghy park & nicks my spars.  Is it really necessary to more than double the premium on a boat that was not subject of the claim?

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There may be trouble ahead!


Posted By: Contender 541
Date Posted: 16 May 06 at 5:58pm

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

 



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When you find a big kettle of crazy it's probably best not to stir it - Pointy Haired Boss

Crew on 505 8780



Posted By: Noble Marine
Date Posted: 17 May 06 at 10:54am

Originally posted by boomer

Is it really necessary to more than double the premium on a boat that was not subject of the claim?

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.

 



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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

http://www.facebook.com/noblemarine" rel="nofollow - Noble Marine on Facebook .



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