Insurance for coded/training ribs

[Jimbob]

I'm sure some people who have coded ribs can help here

I phoned up my insurance company to see if i could get the insurance changed or Charter work, i may also allow a training company to use it for RYA powerboat courses ( a mate of mine).

However, the insurance company said "whilst your record is perfect we have had a few large claims from the charter business - so we dont do this anymore"

Does anybody have the name/number of an insurance company that will provide such cover?

[Louise]

Have you tried Porthcawl Insurance? Or Colin Curtis? (Can personally recommend the latter for private use; haven't used any for commercial cover but both websites say they offer it!) HTH

Edit: http://www.porthcawl-insurance.co.uk/ https://secure.wsa.u-net.com/www.cur....uk/index1.htm

[Jono Garton]

Originally Posted by Louise

Have you tried Porthcawl Insurance?

Edit: http://www.porthcawl-insurance.co.uk/

I Wouldn't use anyone else

But don't tell Steve that

[David Hickman]

Colin Curtis. Ask for Aiden. Tel 01752 664649

[tim griffin]

Just changed mine to Porthcawl and made a good saving , you can if you want, through some insurers limit the RYA tuition to 30 day,s , and with the charters make sure you tell them that it is skippered charters and your boats max speed is 35 knots ( if its above this speed your insurance goes up )

[Jimbob]

Thanks all i have contacted both, lets see what they come back with

[Simon Hawkins]

I have been with Porthcawl Insurance for 7 years now and every year I have found them the best on price and also do reasonable rates for Instructional and commercial use.

[Rogue Wave]

Porthcawl for me too. Unfortunately the charter business is getting a little reckless as it's too easy to become a commercially endorsed Skipper and this is reflecting in injury claims against insurers. You have to make sure you cover that people are up to making the journey. Beware the person who weighs twenty three stone cos that's a claim waiting to happen!

I very much doubt if you will get bareboat insurance, so your mate will need to use his schools insurance, this should be OK as the RYA will need to inspect the boat/equipment and approve it's use as a training boat!

I believe you should have to serve an apprentiship before you can ask people to trust you with their lives! As it stands at the turn of the year you could ring up a training school take the required courses and hey presto you were commercially endorsed! I believe the process of commercial endorsement now involves an exam...does anybody know if this exam is on the water and if the log book is taken into account

Tim at one point you were considering running a commercial skippers course ....I think it was a good idea is it still on the cards?

[Simon Hawkins]

Totally agree with what you have to say and this is why the RYA have changed the rules for becoming commercially endorsed and have made prerequisites prior to taking the exam. Have you not seen the requirements on the RYA website.

[Rogue Wave]

to be honest I lose patience with the RYA website as I find it cludgy! I think Paul Glatzels site does more to promote training that the RYA site.

I'd appreciate a link to the relevant bit however

[Simon Hawkins]

Originally Posted by Rogue Wave

to be honest I lose patience with the RYA website as I find it cludgy! I think Paul Glatzels site does more to promote training that the RYA site.

I'd appreciate a link to the relevant bit however

Yeap could go with that. I find the RYA site a bit of a nightmare at times to find your way around. However look at this link which will explain all hopefully. http://www.powerboat-training-uk.co....ndorsement.htm .

I have checked the RYA site and the new rules have now been removed I think ! and it just refers you to "Code of Practice for Small Commercial Sailing Vessels Code of Practice for Small Commercial Motor Vessels Nominated Departure Point Code"

[Rogue Wave]

Yeah that's more like it!

[Jimbob]

Hi all

I have been doing training courses for about 4 years , i have also taken the exam for Coastal and Yachtmasters to commercially endorse - so I'm OK with all this

I do not expect to bareboat - no way, i ts like a hire car otherwise, and we know what happens here,

Rouge, thats the reason my insurance company will not provide commercial cover, due to incidents, so your point is well taken

[Jimbob]

A bit of feedback

So i went to both insurance companies with the same requirements, that is Skipper Charter, 40 knots max, RYA training

Portcawl

Very good service
good price only 60 quid more than i pay now
The person who dealt with me really knew his stuff

Colin Curtis

When the quote came in, it was only for private and pleasure - so they did not listen to me

Price was £300 quid more expensive than the insurance i have for P+P



So i bet you carn't guess which one i will be using

[Louise]

I know what I am about to say is not about commercial insurance but I am quite surprised by the discrepancy between Colin Curtis' quote for P & P cover and that of your current insurer, Jimbob. When we were renewing our insurance last June we got quotes from both CC and Porthcawl. Porthcawl was a couple of pounds (literally) cheaper than CC but, in our opinion, Porthcawl's policy was not quite as good as CC's in terms of what was covered. I find it quite strange that, as your boat is similar to ours in spec, you have found such a big difference. Do both policies (your current policy and the CC policy) cover you for cross channel cruising or did you not specify this? Incidentally, our policy does not limit us to 40 knots. Be careful about the wording of this regarding the validity of your policy - I'm sure we were asked 'what speed is the boat capable of' rather than 'what speed do you intend to keep below'!

Edit: glad you found a suitable policy though!

[Jimbob]

Louise

its strange i know, but i was clear with the requirements. Our boats are about the same so it is strange.

The 40 knots and speed is always a question, but in my case 40 knots with people on is fast enought, i spend my working week flat out so to be honest i am not a speed merchant. the boat does about 40 with all the gear on, e.g liferafts ,,, MCA bits

I could not make a proper comparison, as they quoted for two different things, however like everything i was OK with the price. I look at it this way 2% for the insurance i get is OK, 2% is about the correct zone

[jwalker]

I completed the online quote page of their web sites for both of these companies last Monday. So far, zilch response.

Cool, not.

[Louise]

Thanks for replying. I'll just have to wait until our insurance is due for renewal and see what comes up then! Our insurance is also in the 2% range and, as you say, without putting both policies side by side it is difficult to compare. Anyway, we're both happy with what we've got and that's the main thing!

[Louise]

Jeff - we've always dealt by 'phone, then had proposals sent through the post and with each firm we had good service. Sorry to hear you haven't had such a positive service online. I guess the internet is not yet a major source of business for boat insurers, but if they offer an internet service they should check it more than once a week!

[jwalker]

Yeh, I'll try the dog n bone.