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Old 24 July 2014, 06:45   #1
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Boaty Insurance Requirments - kill cord

A quick post to let everyone know that more and more insurers are now introducing the requirment for the KC to be worn in order for the insurance to be valid.

While they are doing this (I think) purely to protect thier financial interest I feel it may one of the few ways that people will start to take this more seriously (especially on the back of the recent incidents we are aware of)

We all know the boats not covered for theft without a clamp & engine secured to boat etc - so we all are paranoid about making sure we use them - and it works .

Hopefully as this requirment for the kill cord to be worn becomes more common it will have same result as the clamps etc.

Pete

PS - I'd add this isn't in every policy at present ( but have seen on Towergate & N&G) - but dont be surprised if you see it come in at renewal.
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Old 24 July 2014, 07:53   #2
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Quote:
Originally Posted by PeterM View Post
A quick post to let everyone know that more and more insurers are now introducing the requirment for the KC to be worn in order for the insurance to be valid.

While they are doing this (I think) purely to protect thier financial interest I feel it may one of the few ways that people will start to take this more seriously (especially on the back of the recent incidents we are aware of)

We all know the boats not covered for theft without a clamp & engine secured to boat etc - so we all are paranoid about making sure we use them - and it works .

Hopefully as this requirment for the kill cord to be worn becomes more common it will have same result as the clamps etc.

Pete

PS - I'd add this isn't in every policy at present ( but have seen on Towergate & N&G) - but dont be surprised if you see it come in at renewal.
A mahoosive can 'o worms methinks. Another excuse not to pay out
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Old 24 July 2014, 08:45   #3
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Quote:
Originally Posted by Pikey Dave View Post
A mahoosive can 'o worms methinks. Another excuse not to pay out
Seconded.
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Old 24 July 2014, 08:57   #4
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Seconded.

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Old 24 July 2014, 09:02   #5
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A quick post to let everyone know that more and more insurers are now introducing the requirment for the KC to be worn in order for the insurance to be valid.
This is surely a really bad idea.

Quote:
We all know the boats not covered for theft without a clamp & engine secured to boat etc - so we all are paranoid about making sure we use them - and it works .
Are we ALL? I see a lot of trailers without clamps - uninsured, acceptable risk, not aware of the policy details, lazy/forgot? Perhaps its different on the south coast where thefts are more prevalent. However its the policy holder who gets stung in that case. In this case the "victim" may well be an innocent 3rd party. How would we feel if can insurance said it wouldn't pay out (to 3rd parties) if the driver was shown to be speeding at the time of the accident?
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Old 24 July 2014, 09:23   #6
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OK - so then lets ( a collective nation) not bother trying to get people to wear them at all - thats a much better to makeboating safe .

Cars are legally requireds to be insured - boats aren't thats a big differance - if your clever enough to insure then you're clever enough to wear a KC.

If you dont insure - it wont matter .

Sometimes the attitudes of the posters on this site do my nut in ....
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Old 24 July 2014, 09:28   #7
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A mahoosive can 'o worms methinks. Another excuse not to pay out
How does one prove that one was wearing the KC(s) at the time of the incident?

Further how does the insurance co prove that one was NOT wearing the KC(s) at the time of the incident?
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Old 24 July 2014, 09:29   #8
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How does one prove that one was wearing the KC(s) at the time of the incident?

Further how does the insurance co prove that one was NOT wearing the KC(s) at the time of the incident?
The bits of bodies and blood in the water are a give away ?

or the videos on youtube / tv etc ?

the RNLI being called to deal with the chaos & mess ?
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Old 24 July 2014, 09:32   #9
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The insurance companies have many many many ways of not paying out as the majority of boat owners dont have a clue. Strong words ? maybe but take any typical day in the summer in pool harbour and you will find endless examples of the following;

not wearing kill cord
not wearing life jacket
kids sitting on bow of small boats at speed
boats on wrong side of channels going out of port and coming into port
fishing in the middle of a channel in day and at night
night time no lights
alcohol
speeding
boats going under bridges when lights are red
boats going under bridges either side of the stated transit route
boats watersking within boundary of exclauion limit nr beaches
jet skis - enough said

and if you think about it a typical example would be 99% of say 80 boats in studland at anchor not displaying an anchor ball.

while some above are connected with local byelaws and colregs I am aware that some arnt legislated against, the majority are covered.

So add that lot above to issues of not locking your trailer etc. I am surprised insurance companies every pay out.

Im personally done with the subject of boat safety, im doing my own thing in terms of safety and not worrying about others any more.
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Old 24 July 2014, 09:57   #10
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....Im personally done with the subject of boat safety, im doing my own thing in terms of safety and not worrying about others any more.
You too? I was on the water last night and a friend radioed to warn/tell me about rogue jetskiers at my landing place. He said they were driving dangerously, close to other vessels and swimmers and the pier, that they were drunk, no PFDs, falling off, having to be recovered by their mates. He was well lathered in a foam of Moral Indignation. I was like "but they're jetskiers J, get over them already!"

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