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Old 02 December 2006, 18:30   #11
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Originally Posted by codprawn View Post
What's all this about insurance? How many people would bother for a little SIB??? I have a Quicksilver 3.1 with a 15hp 4 stroke - I can launch anywhere I like with no hassle as it isn't considered a "real" boat. Our local council are really hot on such matters but I come under the HP limit to need to show insurance.

Do people bother with insurance for cycling or canoing or body boarding??? Next people will think you need insurance for roller blading and using a pogo stick!!!
The general idea is you insure anything you can't afford to replace, or where it might cause damage to someone else you can't afford to repair make good. The cost of losing your sib through theft or damage may be insignificant to you but appreciable to others. There are places you would need to show insurance even for your little sib - just obviously not in wales.

Probably the main argument for insurance is the damage or "injury" you might cause someone else. In this increasingly litigous world, with accident chasing lawyers, even your own crew might end up sueing you! That worries me less than the hole I might put in the side of someones gin palace.

It is actually quite common to insure both canoes and bikes against theft, and normally for 3rd party risks too. This is particularly common if the person is serious about the sport, member of club, or has expensive gear. I can't comment on body boarding. Bike and canoe policies typically cost 20-150 depending upon value, usage, risks covered etc.

FYI - i have neither a bike nor canoe - so no need to insure them. I used to have a bike but used it so little to justify not insuring it (the remaining time it was covered under my home contents policy). I know people who have insured both bikes and canoes.

You will be horrified to hear that google reveals there are policies available for rollerblading (e.g. https://www.sportscoverdirect.com/ac...=1&sportid=139) although I couldn't find pogostick insurance!
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Old 02 December 2006, 21:32   #12
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Originally Posted by codprawn View Post
Do people bother with insurance for cycling or canoing or body boarding???


As a matter of fact yes. Big, big time, in some cases. Consider the situations of the riders who finished 1st and 2nd in this past summers' Tour De France. You can be sure that all of the insurers that are involved in any way shape or form with either of them are going absolutely nuts right now.
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Old 03 December 2006, 04:34   #13
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Originally Posted by codprawn View Post
Do people bother with insurance for cycling or canoing or body boarding???
99% of canoes/canoeists have at least 3rd party insurance, the BCU include it in their membership.


Quote:
Originally Posted by codprawn View Post
What's all this about insurance? How many people would bother for a little SIB???

I do, its 35 a year (Insured against theft aswell), not really worth risking it at that price.
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Old 03 December 2006, 12:07   #14
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Originally Posted by codprawn View Post
What's all this about insurance? How many people would bother for a little SIB??? I have a Quicksilver 3.1 with a 15hp 4 stroke - I can launch anywhere I like with no hassle as it isn't considered a "real" boat. Our local council are really hot on such matters but I come under the HP limit to need to show insurance.

Do people bother with insurance for cycling or canoing or body boarding??? Next people will think you need insurance for roller blading and using a pogo stick!!!
bet that goes like stink!!!! - ur havent u had the balls to open it up?! i have my reservations in it!
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Old 03 December 2006, 13:44   #15
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Is it possible to get insurance for an overpowered craft ?
Surley if you are willing to pay the premium then you could get insurance.
I know you can insure a car that is in excess of the manufactures figures, so it would be reasonable to think that the same could be done for marine insurance.
Also, do manufactures test boats to find out at what point they break (or start to) so they can then give a recomended max HP ?
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Old 03 December 2006, 16:11   #16
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bet that goes like stink!!!! - ur havent u had the balls to open it up?! i have my reservations in it!
Goes very well - have touched 25mph but it feels a lot faster!!!
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Old 03 December 2006, 19:34   #17
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Is it possible to get insurance for an overpowered craft ?
No, assuming it's a boat built after June 98, it would have to comply with the RCD, and so it would have a manufacturers plate with it's CE mark and maximum HP.


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Also, do manufactures test boats to find out at what point they break (or start to) so they can then give a recomended max HP ?
No, but they do have to be tested and certificated prior to being available for sale to the public.
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Old 04 December 2006, 06:43   #18
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Woo There Horsies

Right so a little over probably won't make a diference, if it a two stroke, also should be fine. Not insured, mainly up and down the thames, odd canal, it is a rubber ring full of air, can't see that I will hurt much, and there arn't many divers in the thames or grand union so I think I will take the financal risk .

As for argueing, I got very excited seeing soooo many replies to my post only to find 5 of them any use, the rest just hair pulling and cat scratching.

For the guys who proffer a opinion on the subject, cheers, to the rest, stop teasing me, you cads you.
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Old 04 December 2006, 13:08   #19
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At the risk of getting jumped on from a great height??? I would recomend to anyone to at least have third party insurance it is i,m afraid the price you have to pay to be a responsible user.Not to taken personally just my veiw
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Old 04 December 2006, 13:31   #20
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If you take a boat on the Grand Union canal it is a requirement that you have third party insurance cover for 1million as a minimum, and a valid licence. Patrol officers can and do check.
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