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The Norfolk Broads Forum / Broads Boat Owners Q & A / boat insurance
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Posted By Discussion Topic: boat insurance

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Steve51
Apr-30-2018 @ 5:33 PM                           Permalink
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Mardles sometimes
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I've has a look on Craftinsure's website and they state that if the vessel exceeds 23' and is over 30 years old, they require a full out of water survey.

Steve. CM1 and NR12

Stingers
Apr-30-2018 @ 5:57 PM                           Permalink
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VetChugger: I was with Craftinsure before switching to Saga. Craftinsure had been upping the premiums each year but Saga were about 40% less. If my memory serves me correctly (which it often doesn't), Craftinsure allow for a period of time at sea each year (possibly a month) so that could be why their premiums are higher and why they insist on a hull survey.

Andy

tc99
Apr-30-2018 @ 6:43 PM                           Permalink
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Knows that Roys is in Hoveton
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Yes they want a full survey because my boats 1980 so I’m waiting for a reply from saga I’m not really after a survey report because of the price and I don’t intend selling.

Paladine
May-01-2018 @ 6:09 AM                           Permalink
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”Sorry what is IRMC?”

I think that should have been IRCM.



"..for the avoidance of any doubt, the broads are not legally a national park and do not come under the national park legislation, and nor will they."
Parliamentary Under-Secretary of State for DEFRA (Hansard 2015)

billmaxted
May-01-2018 @ 9:24 AM                           Permalink
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The main issue here is what happens in the event of major loss or damage.  It’s rather like the situation with Classic Cars and Antiques.  An Agreed value is unlikely to be agreed if just on the basis of your own ‘sayso’.  40 year old boats are something of a mixed bag, even nice looking ones can have vices that radically affect their value.  Certainly a lot of work especially if it affects originality will never be recouped in the resale value.  The situation is not helped be the modern day practice of no clear distinction between ‘Brokers’ who in law are YOUR agents and underwriters who certainly are not.  A Broker may think that you are right in your view, or not inquire too diligently, taking your word for it.  An Underwriter on the other hand is, quite fairly, going to take a ‘hard nosed’ approach because every pay out risks a hike in everyone’s premiums.  Surveys may seem an avoidable expense but the absence of one can cost dear.  It also does not help if trying to sell the boat.

Bill...(The Ancient Mardler)

Still-Cruising
May-01-2018 @ 7:36 PM                           Permalink
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For our Seamaster 30 (1980) we used to be with Edward Williams mainly because the insurance was transferred to us from the previous owner and we stayed with them.   We then changed some years ago to Euromarine  at Broadstairs, they have never wanted a survey but do need a copy of the BSS certificate.  They are very competitive and underwritten by Lloyds. Their phone Number is 01843 603345 or their website is www.euromarine-ltd.com.  

Best Regards

Bob

PO20 But NR12 as much as possible.

Steve51
May-02-2018 @ 3:52 PM                           Permalink
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Mardles sometimes
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Checked with Euromarine and they do require sight of a survey before commencement of insurance cover.

Steve. CM1 and NR12

annville
May-02-2018 @ 4:39 PM                           Permalink
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Cheapest is not always best a boat in front of me had a fire, over a year later he was still trying to get a pay out, i still don't know if he ever did as moved on.John

Steve51
May-02-2018 @ 5:25 PM                           Permalink
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Mardles sometimes
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John, I don't think the OP was necessarily looking for the cheapest, just an insurer that didn't require a survey.

Steve. CM1 and NR12

billmaxted
May-02-2018 @ 7:20 PM                           Permalink
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Surely Steve that is the point, leave aside initial cost, what is going to happen if the worst were to happen to the boat you have put all your efforts into.  To be honest I would not think about buying a boat without a survey and I would expect to get it re-surveyed at least every 8 years, thereafter.

Bill...(The Ancient Mardler)

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