Originally Posted by MikeP
We went with Noble as well - turned out at £55.50 for us for the year, but that's with a smaller outboard (4HP) which may be a factor.
Of course, the only true test of any insurance is if you have to claim on it; much like motor insurance, there is an element of 'you have to have it' which makes it possible for some insurers to adopt the daylight robbery approach.
With house and motor insurance, I've found almost universally that they do not pay out in circumstances which would seem quite reasonable, so my approach to insurance now is to get the minimum quote that will give the necessary documentation to satisfy the interested authorities. I would love to hear other folks tell their happy stories of successful insurance claims, but this has never been my experience.
An interesting view, but generally if you have done everything insurers ask you to do then you wont have a problem. Alas with the 'minimum' type approach no you wont actually be covered for much so wont get much paid.
I am happy to try and help/advise any Ribnet member if they get into a situation where they have to claim. If it make people feel any better I am dealing with a client who pays upwards of £250k a year in premium and thier insurer is not wanting to pay a £1m claim as they did not stick to the policy conditions- enter barristers and solicitors quoting caselaw ...........happens to everyone sometimes !