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Old 11 January 2014, 12:27   #11
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Originally Posted by T4bus View Post
I would not expect there to be a limited use policy, just balancing the cost against benefit. I'll ring some insurers in the week as online the quotes don't compare with those mentioned.
You definately need to speak directly with people like Porthcawl or Nav & General rather than rely on the online stuff.

Like you, I have a 2.5 (chipped!) T4 and I have a 5m Rib with a 90hp. Fully comprehensive insurance on both with a broadly similar total value but the boat is approximately 50% the cost of the VW to insure. Ok, I'll admit I've got a few points....

You have to remember that although you may only use the boat 5-10 days a year and the VW every day(?), the outboard is highly nickable and despite the presence of anti-theft devices, the boat/trailer/engine combo could probably be driven away easily by a determined thief on the 355 days a year you're not using it? At least, in my experience, that's the way insurers seem to assess the risk!
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Old 11 January 2014, 13:16   #12
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... a comprehensive policy but having looked at a few comparison sites it seems, surprisingly, that this will cost more than insuring my 2.5litre VW? For an occasional use leisure craft it would not be viable so third party it will be. I have now found a couple for under 70 which will basically offer little more than a policy number in order to get a local licence.
You should be able to get a policy for roughly 100, that will cover 3rd party, theft and damage to your own boat. Obviously where it is stored has an impact on price, as does the value of boat / outboard etc.

As for training, this is a given, there are courses local to me in Bristol so I'll book myself and my eldest son in before we venture out. At this stage I'm purely gathering everything together ready for the spring/summer, knowledge, kit etc so we don't rush around trying to prepare last minute.[/QUOTE]

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Originally Posted by Barrowboy View Post
You have to remember that although you may only use the boat 5-10 days a year and the VW every day(?), the outboard is highly nickable and despite the presence of anti-theft devices, the boat/trailer/engine combo could probably be driven away easily by a determined thief on the 355 days a year you're not using it? At least, in my experience, that's the way insurers seem to assess the risk!
The two major risks for the insurer are: (i) you hit someone and mince them with the prop (or sink a bigger boat) (ii) your boat gets stolen. Obviously there are other risks like fire, or sinking etc.
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Old 11 January 2014, 13:29   #13
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Good call. 👍
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Old 12 January 2014, 06:16   #14
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Lots of past suggestions to look at Craftinsure . I have 3.4 with15hp fully comp with Bishop Skinner for under 60.
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Old 12 January 2014, 10:16   #15
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the outboard is highly nickable and despite the presence of anti-theft devices, the boat/trailer/engine combo could probably be driven away easily by a determined thief on the 355 days a year you're not using it? At least, in my experience, that's the way insurers seem to assess the risk!
Agree. Boats are a driveaway target and outboards easy to remove.
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