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Old 13 October 2004, 14:34   #11
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Originally Posted by Louise
Mark - I may be being a little presumptious but are you looking into this because you are considering doing the St Malo cruise later this month?

The reason I ask is that when Richard took our boat across to Alderney last October he was extremely glad that he had the company of Daniel (another forum member and very experienced RIB owner/driver) so they could share the driving in pretty horrible (and tiring) sea conditions. My personal opinion is that any 'long distance' cruising becomes much safer and more enjoyable if there are a couple of you on board who are able to drive. Plus, a second pair of eyes is always useful for spotting hazards! All IMHO, of course!

P.S. Don't like the idea of being restricted to 3 trips a year though!

Are all talking fully comp or just 3rd party? When i wanted fully comp- was considred a lepper. Normally when you talk about insurance for a RIB , companies go white and are literally sick. I point out the fact that insuring my rib would be a better job than the Titanic, it still doesnt click.Even when you hit another boat- you just bounce off.

Jonathan
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Old 13 October 2004, 14:37   #12
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Can't speak for the others, obviously, but our insurance is fully comp.
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Old 13 October 2004, 16:09   #13
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Quote:
Originally Posted by Louise
Can't speak for the others, obviously, but our insurance is fully comp.
without being rude Louise, how much does that cost ?

jonathan
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Old 13 October 2004, 16:14   #14
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Jonathan - 311 fully comp, cruising coastal and offshore from Brest to Elbe and UK. Broker: Colin Curtis, underwritten by Haven Knox-Johnston.
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Old 14 October 2004, 03:58   #15
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But do you have it in writing regards Offshore and Coastal? Does your policy say" For "all coverage" between Brest and Elbe? Alan P
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Old 14 October 2004, 04:08   #16
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Our 'Cruising Range' is defined as "Inland and coastal waters of the United Kingdom including Eire and extended to include Continental Waters Brest to the River Elbe."

The definition of 'Continental Waters' is:

All tidal, coastal and inland waters between Brest and Elbe. You are not allowed to sail:
further north than 61 degrees north;
further east than 10 degrees east;
further south than 48 degrees 10 minutes north; and
further west than 12 degrees west.
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Old 14 October 2004, 05:07   #17
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Quote:
Originally Posted by Alan Priddy
What you need to establish is the wording " Coastal Cruising" Although your policy will say or indicate you are covered from Brest to Elbe you may find that you are only insured for up to 12 miles off of each coast in which case you are not insured in the middle!

Get it in writing that you are covered the whole journey or you could be in for a nasty shock should something go wrong. Even if you cross Lyme Bay you are potentaily "Offshore" in the middle and therefore in breach of your insurance policy.

Insurance companies are only around to take money, not give it away and if they can find a loop hole they will use it. Be warned. Alan P
I was trying to establish if I was covered 'for the middle' when these restrictions were then applied. I suspect that many people are not covered for the middle which was why I asked the question
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Old 14 October 2004, 10:14   #18
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"Louise "
further north than 61 degrees north;
Top of Shetlands
further east than 10 degrees east;
East coast of Denmark
further south than 48 degrees 10 minutes north;
Just South of Brest
further west than 12 degrees west.
Nearly out to the Rockall Bank

Though where does that get us if it doesn't cover the bits of water in between?
Methinks-Better go dig out policy.
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Old 14 October 2004, 10:16   #19
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Brian, are you saying you don't think the 'middle' bit is included in "tidal, coastal and inland" waters?

I'm sure Richard made it clear to our broker, didn't you dear?
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Old 14 October 2004, 10:44   #20
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Quote:
Originally Posted by Louise
I'm sure Richard made it clear to our broker, didn't you dear?
Sure did, babe! I told 'em "I want to be covered for cross channel trips".

I'll give them a ring now and check...
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