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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
May-02-2018 @ 8:36 PM                           Permalink
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Mardles sometimes
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Bill, I was simply reiterating what the OP had requested. A recommendation for an insurance company that didn't require a survey.

Steve. CM1 and NR12

tc99
May-02-2018 @ 8:49 PM                           Permalink
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Thought it was a simple request.One of my objections in what I consider an unnecessary expense is the fact you can’t pass it on to a potential buyer to use for insurance they have to get thier own and the broads authority request a minimum of third party insurance.I think anyone buying a boat should have a survey but I don’t think you need one every time an insurance broker or company request one and I think a boatyard that you use for your regular service etc should be able to supply the necessary info.

billmaxted
May-02-2018 @ 10:15 PM                           Permalink
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I don’t think you could expect that your home yard, who, maybe has or has not, done the work on your boat could be ‘independent’ any more than an unregistrated MOT would be valid. No you cannot pass a survey and even if you could be would be meaningless because neither you nor your insurer would have any recourse against the surveyor. I realize that you can buy an old car or motor-home without any safeguard other than a current MOT if you want to risk it, but would suggest that a boat is more akin to a house and surveys really are necessary fact of life.  I really do think it would be a grave mistake if this Forum could be seen to be suggesting that surveys were an expendable luxury.  To be of any value they must be fairly recent, so frankly if an insurer asked for an up-to-date one personally, I, would be far more comfortable than with one who shows no or little interest.  I would suspect that the latter’s claims manager is a hard nut to crack

Bill...(The Ancient Mardler)

Dilligaf
May-03-2018 @ 9:19 AM                           Permalink
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When I sold my last boat the insurer (GJW)were happy to accept the same survey for the new owners if they went with them, they require a survey every 7 years and mine wasn't due for another 2 years so the new owners were happy to go with them.

Dave.
Formerly 'LeoMagill'

Still-Cruising
May-03-2018 @ 9:28 AM                           Permalink
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Just as a post script to my previous post about Euromarine. We have been with them for some years and at the time they did not want a survey on the Seamaster only a copy of the BSS I have just renewed (fully comp) with them and this continues to be the case. It is possible that their T&C’s have changed for new business. Last December  when I enquired about insuring a 1960’s built boat they did want a survey and told me that t was because of the age, that said the survey did not have to be new, preferably within the last five years.

We did not have a survey on our Seamaster  when we bought it but did have it lifted and looked at it myself with the aid of a check list from a friend who at the time was a surveyor. Two things came to light one serious and one not so serious. Although the two problems were on his list I would have found them just using common sense, we have now had the boat nine years . If I was buying a wooden boat then I would have a survey.

Typo Edit

Best Regards

Bob

PO20 But NR12 as much as possible.



This message was edited by Still-Cruising on May-3-18 @ 9:30 AM

jrskip
Aug-16-2018 @ 5:22 PM                           Permalink
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Our insurance is due early Sept and been comparing quotes online. Never heard of insure4boats before but their quote is much cheaper £85) than Haven who we have been with for 3 years. Very quick and easy to complete the online quote request by the way!
Everything looks ok, just wondering if anyone has any experience of them at all especially claims wise?

Paladine
Aug-16-2018 @ 6:57 PM                           Permalink
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I've never heard of Insure4boats either, but that's not surprising, as it looks like they've only been in business since 2016. Have you read the policy document on their web site? Particularly the restrictions and exclusions. You may find their policy doesn't suit your requirements. One condition that smacked me between the eyes was the one that reads:

"Any insured vessel which has an overall length in excess of 26ft must have a minimum of two suitable experienced crew on board at all times when underway. This condition does not apply to narrowboats."

Not for me, I think.



"..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)

jrskip
Aug-16-2018 @ 8:44 PM                           Permalink
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Thanks for pointing that out Paladine. Yes had seen that actually. However seems too good to be true so probably is... Course you only find out how good your insurance is if/when you need it!

VetChugger
Aug-16-2018 @ 12:21 AM                           Permalink
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I've just received my renewal notice from Craftinsure for "Crackers", my Hampton Safari. It actually gone down!

Trevor

tc99
Aug-17-2018 @ 2:13 AM                           Permalink
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My original post back in April was about insurance from companies not recognised by the fca and I don’t think one answer appetains to this all the nice remarks about quotes good or bad are irrelevant I was informing people about the fraudulent activities of a particular company on the broads of which I can’t be the only person covered by them for years I might add and yet no comments returned yay or nay.

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