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Old 19 September 2002, 04:36   #1
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Country: UK - England
Town: Bromley, Kent
Make: GS209
Length: 6.137
Engine: 4.3ltr 210hp Volvo Penta
Join Date: Sep 2002
Posts: 231
Boat Insurance, any recommendations ?

I need to check out RIB insurance as I may very well be a RIB owner this weekend.

Any views, e.g. what to keep a look out for e.t.c.

I did notice on one policy that had a questionnaire on the net that you could have UK coastal cover, UK coastal and French coast, Uk coastal and up to 25 miles offshore, something to Brest and more, just confused me.

I also noticed that boats under 7.5 mtrs if they went to France had to be in a flotilla of 3 or more !

I don't want to lose my investment (not that I will be going to France alone in the near future with a 90hp) but I don't want cover I will not use, e.g. unlimited Atlantic crossings.

AND is the boat insured while you tow it round the M25 on a trailer.

I look forward to any help and guidance,

Pete
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Old 19 September 2002, 04:50   #2
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Country: UK - England
Town: Margate / Ramsgate
Boat name: Ballistic
Make: Ballistic
Length: 7m +
Engine: Yam HPDI 250
Join Date: Feb 2002
Posts: 2,835
Try a search

Pete,

There was a thread not so long ago that i replied to posting all the phone numbers of people i tried. I just did a search for 'williams and whybrow' and it came up as the only result.

My personal reccomendation is williams and whybrow, ask for geoff - but i am sure all the other suggestions are more than valid.

As far as i know your car cover should cover for towed stuff - you will need to check the maximum insured value.

One thought - have a chat to the broker and see of the policy is substantialy less for having an RYA Level II certif. - if this is the case see if they will apply the discount if you promise to get the quallification within, say, 4 weeks? You never know!

Daniel
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Old 19 September 2002, 04:59   #3
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Country: Canada
Town: Newfoundland
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As Daniel says this has been discussed before. I use Mardon Insurance who have been OK so far. My policy DOES cover loss or damage to boat whilst being trailed - I think it is extremely unlikely that your car policy will apart from say the third party liability of your trailer becoming unhitched and hitting someone else.
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Old 19 September 2002, 05:00   #4
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Country: UK - England
Town: Bromley, Kent
Make: GS209
Length: 6.137
Engine: 4.3ltr 210hp Volvo Penta
Join Date: Sep 2002
Posts: 231
Daniel,

As I mentioned my son has RYA 1,2, safety and advanced, I will see if it can be insured in his name, he is only 15yrs old at the moment, but the boat is for his 16th Birthday in November so may be OK. I will call them now.

Pete
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Old 19 September 2002, 06:03   #5
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Country: UK - England
Town: Bromley, Kent
Make: GS209
Length: 6.137
Engine: 4.3ltr 210hp Volvo Penta
Join Date: Sep 2002
Posts: 231
Thanks,

Saved £100 already on Marden (Royal & Sun Alliance policy).

Pete
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Old 19 September 2002, 07:50   #6
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Country: UK - England
Town: Portishead, Bristol
Boat name: "
Make: Ribcraft, Cowes Mari
Length: 5m +
Engine: Mercury 90hp 4-strok
Join Date: Aug 2001
Posts: 600
Send a message via AIM to jools
Click on Search above and type insurance - plenty of previous threads - from there I found this list

Porthcawl – 01656 784872 (Advertise in RIB International)
Devitt 01708 385500 (Also advertise in RIB International)
Bishop skinner 0207 566 5800 or 0800 783 8057 (Advertise with RYA / RNLI and offer discounts for being members of either)
Colin Curtis 01752 664649
Mardon 01743 232688
Williams & Whybrow (ask for Geoff Mills) 0208 385 3055


I use Porthcawl - the guy seems to have a genuine interest in RIBS (as opposed to other sportsboats) and gave a good quote - including towing cover etc.

I also decided not to cover waterskier, France etc, but to have these options added if the need arrises. Why cover France for the whole year if you only go there for a week in the year?

Jools
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Old 19 September 2002, 08:18   #7
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Country: UK - England
Town: Iver, Bucks, UK
Boat name: Prime Rib II
Make: Humber Ocean Pro
Length: 6m +
Engine: Mercruiser 1.7 diese
MMSI: 235086032
Join Date: Jul 2001
Posts: 443
When I tried Bishop Skinner 6 years ago they "couldn't possibly insure anything under 8mtrs (or thereabouts – can’t remember exactly), and particularly a dinghy to travel across the English Channel", which they told me is the busiest shipping lane in the world! They also said they wouldn’t insure it left in a marina in case someone picked it up and walked off with it!
I gave up with them and went with Euromarine Insurance. (Now BIBOA's favourite). http://www.euromarine-ltd.com/ Probably not the cheapest but its a CGU policy and covers me for pretty much everything, including the M25 and even salvage, if I have to be towed in emergency. Do check the small print. The cheap ones may not be worth it in the long run!


Mike C
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Old 19 September 2002, 08:26   #8
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Country: UK - England
Town: Margate / Ramsgate
Boat name: Ballistic
Make: Ballistic
Length: 7m +
Engine: Yam HPDI 250
Join Date: Feb 2002
Posts: 2,835
Euromarine are local to me and i know the guy - nice friendly company, but could not beat Williams and Whybrow on price for the same cover - including cross-channel, marina etc. etc. for my 5.6mtr.

I wrote the list cited above, but for some reason left them off it.
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Old 19 September 2002, 08:29   #9
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Country: UK - England
Town: Bromley, Kent
Make: GS209
Length: 6.137
Engine: 4.3ltr 210hp Volvo Penta
Join Date: Sep 2002
Posts: 231
I have found out the following from Mardon :-

Boat size 6.6mtr
Engine 90hp + 9.8hp
£15,000 value
Premium £256 comprehensive
£2 million liability
Excess £150 for everything (some want £300 for underwater damage)
Covers most of the channel to Brest, Channel islands e.t.c (some companies want morefor this)
Includes 30 days abroad
Water ski-ing and blow up toys max 2 people, but not blow up chairs (never heard of that one) £1 million (some companies want more for this)
Trailer must be wheel clamped when left alone
You can build up no claims, this is my first insurance so will be at the highest

Anything I'm missing that I should look out for ?

Pete
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Old 19 September 2002, 08:54   #10
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Country: Canada
Town: Newfoundland
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Sounds reasonable - I pay about £280 for a older but bigger boat
with the "Brest to Elbe" cruising limits. (e.g. I can cruise in Northern Europe!)

with Mardon. I've found them fairly helpful when making a claim or changing any details. Do note that you will need to provide them with engine number details plus probably with the details of the location of the main storage place for the boat. Also don't forget the wheel clamp when leaving it with say your outboard engineer 'cos the buggers sometimes don't bother and it'll be your risk if the thing goes missing. Mardon will also want an outboard lock to prevent someone unbolting the engine and making off with it. This always amuses me as for anyone to do that with my 200hp or probably even your 90hp they'll need a crane to get the bloody thing of the boat. Still for £25 or so for a lock its worth it I guess.
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