Insurance Damage

PeteSmith · 20 November 2006, 12:46

Here a question to those of you that teach boating from boats that are owned by the student (ie own boat tuition)

If you (the instructor) damage as student owned boat does your teaching / RYA school insurance pay for the damage or do you let it be known before the course that any damage would be claimed against the students own boat insurance?

Secondly
Is it possible to get personal teaching insurance, ie to cover you personally if your not teaching for a particular school. If so whats the approx cost £ / year ?

Doug Stormforce · 20 November 2006, 13:27

Pete

You can insure yourelf on their boat, so damage is done through their insurance cover, you require thitd party/public liability which their insurance then claims against.

Public liability for self employed instructor would be I guess £150 for a decent policy/year. There are a few about that specialise in skippers, the RYA also do one through Heath Lambert but it has to may exceptions to really cover what you want.

Paul Glatzel · 23 November 2006, 13:32

Hi Pete, hope you are well.

Search the RYA website for Coaches Indemity Insurance as this is about £40 per annum and is aimed at Instructors working at RYA centres teaching RYA courses. Be aware though that it only provides any cover whilst working at RYA centres - it may have many other stipulations too.

Regarding Own Boat Tuition this is an area that I feel many schools leave themselves very exposed on and thus potentially their Instructors too. Doug is right in that there is a need to get insured on their cover for the own boat training. We go further and part of our terms state clearly that it is the owners repsonisibility to arrange the cover and that they remain fully liaible as the skipper of the vessel - the RU AGuidance Notes for Schools specifically address this subject. In short it needs to be very clear who's liability the vessel is. Note though that almost all insurance policies specifically exclude training on the vessel as they state that the vessel cannot be used by anyone in the marine trade hence the need for a client to always make their insurers aware prior to training - we've never heard of any charge being made for this though.

Give us a shout if you have additional questions

Regards

Paul

PeteSmith · 24 November 2006, 10:08

Does anyone have any names of insurance companies that do 3rd party liability cover for me for when Im skippering or instructing on any rib?

Doug Stormforce · 24 November 2006, 12:03

Quote:

Originally Posted by Doug Stormforce

Pete

You can insure yourelf on their boat...

Sorry this was a typo, should have read you can't insure yourself on their boat...

To clarify the boat owner needs to add a sail training indemnity ( I know you are talking power but thats the name) to their policy, as Paul sais there is not normally a charge for this. The owner remains the skipper on paper and is therfore responsible for the vessel. Your public liability covers you if they decides to take legal action agains you for anything you have done.

The RYA insurance ONLY covers you on RYA courses at RYA centres. It does not for example cover ICC training and Yachtmaster Preperation as these are not RYA courses, they are prepartion for RYA assessments.

Try
Heath Lambert
Bishop Skinner
Marine and General (david Brett)
Navigators and general

When I used to freelane I paid about £100/year for a skippers policy and about £30/year to have instructing on top, this was global power and sail. Marine and General organised it, however I belive they have discontinued this policy now- ask David he will know what is the best option

John Kennett · 25 November 2006, 19:44

Quote:

Originally Posted by Paul Glatzel

Give us a shout if you have additional questions

What would be the situation if a potential instructor damaged a boat during their Powerboat Instructor course? Speaking purely hypothetically of course!

John

Paul Glatzel · 26 November 2006, 14:58

John

Clearly such a numpty would be far too incompetant for the RYA to ever pass him (/her) and they would never become an Instructor!

Such a scenario is so improbable though as to not be worth considering!!

Paul

John Kennett · 26 November 2006, 15:12

Quote:

Originally Posted by Paul Glatzel

Clearly such a numpty would be far too incompetant for the RYA to ever pass him (/her) and they would never become an Instructor!

Yeah, that's what I reckoned

John

Bittentobuggery · 27 November 2006, 14:18

Quote:

Originally Posted by John Kennett

What would be the situation if a potential instructor damaged a boat during their Powerboat Instructor course? Speaking purely hypothetically of course!

John

Seeing as you've brought it up John, I think we should all be told what hypothetical damage might have occurred and what hypothetical actions or hypothetical negligence might have caused this hypothetical damage....

All hypothetically talking, of course...