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Old 14 October 2004, 10:53   #21
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Just spoke to the helpful staff at Colin Curtis.

"Inland and coastal waters of the United Kingdom including Eire and extended to include Continental Waters Brest to the River Elbe" means that we're covered for cross channel trips.
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Old 14 October 2004, 11:05   #22
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Phew!
Done lots of trips across "the bits in between". Glad to know in retrospect that I was insured!
Just read another couple of bits (I have the same policy as you Louise/Richard).
1. Not covered for single handed after dark (Oh dear. Better keep quiet about that then).
2. If your leg/skeg/prop hits something -you are covered. Good news right?
3. If you need to abondon your boat for any reason (discrete cough(Bay du Seine)) you are covered.
4. If you are normally based in a marina, you dont lose your "no claims" and the policy excess" doesnt apply=more good news.

Insurance rates seem to be about 1 per mille right?
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Old 14 October 2004, 11:07   #23
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Brian - knew all your points apart from the first one. Where did you find that? I went through all the documents with a fine tooth comb but don't remember that one!
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Old 14 October 2004, 11:17   #24
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Let me put this another way. A lot of you are insured by the same company that insured Spirit and they will not pay out because of the "Coastal Rule" resulting in a 100% loss.

So again, if you are going offshore and want to be 100% sure you are covered, get it in writing. The word of the broker over the telephone is NOT good enough.Alan P
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Old 14 October 2004, 11:58   #25
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Quote:
Originally Posted by Alan Priddy
A lot of you are insured by the same company that insured Spirit
Which was which one?
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Originally Posted by Alan Priddy
..and they will not pay out because of the "Coastal Rule" resulting in a 100% loss.
Obviously the "coastal rule" wouldn't cover you - surely you didn't expect it to? It just covers you for up to 12 miles off shore, and IIRC you were over 100 miles away from your port of departure, and an unspecified distance from the Scottish Islands at the time of the loss. What was the defined cruising area for your policy?
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Old 14 October 2004, 12:32   #26
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The same as yours. International geograpical limits specified on all insurance cover are the same and do not specify a set distance from where you started from. As it happens, although I was 230 miles from the tip of the Outer Islands we where on a great circle route to Iceland which took us close to Rockall, and your companies geograpical limits. What I am interested in is that your insurance company says you are covered for the declared lats and longs that you have given, when mine (and others) does not. I am sure that they are both reputable companies BUT I will say it again. Get it in Writing that you are covered for where you go. If you choose not to then it is your choice. Personaly the next time I insure a boat I will write the policy myself and get it underwritten privately that way I will know I am covered. This way I will not be kissing my A~se goodbye if something goes wrong.Alan P
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Old 14 October 2004, 12:35   #27
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Alan, our cruising range is stated in writing on our policy document. It is as I quoted above!
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Old 14 October 2004, 13:13   #28
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Originally Posted by Alan Priddy
The same as yours.
You mean the same company, Haven Knox-Johnston?
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International geograpical limits specified on all insurance cover are the same
Err, I doubt that... If you only have "Inland and coastal waters of the United Kingdom including Eire" then it's obviously much more limiting than "Inland and coastal waters of the United Kingdom including Eire and extended to include Continental Waters Brest to the River Elbe" which wouldn't, by even the greatest stretch of anyone's imagination, cover you for a trip to Newfoundland via Iceland and Greenland.
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...and do not specify a set distance from where you started from.
I never said they did... I was just illustrating how far offshore you were at the time of loss. You could be a bit more illuminating if you like and give us the lat and long as you've always been a bit vague about this.
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As it happens, although I was 230 miles from the tip of the Outer Islands we where on a great circle route to Iceland which took us close to Rockall, and your companies geograpical limits.
I doubt very much that your position was within the geographical limit of our policy!
Quote:
What I am interested in is that your insurance company says you are covered for the declared lats and longs that you have given, when mine (and others) does not.
Well in that case the lesson is one for you to learn, Alan. As I said earlier, we read the small print. Given the value of your boat, I'm quite amazed that you didn't.
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I am sure that they are both reputable companies
AFAIK Haven Knox-Johnston are a market leader in marine insurance.
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BUT I will say it again. Get it in Writing that you are covered for where you go.
Certainly seems sensible to me.
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Personaly the next time I insure a boat I will write the policy myself and get it underwritten privately that way I will know I am covered. This way I will not be kissing my A~se goodbye if something goes wrong.Alan P
Please let us know how you get along, and how much your premium is... I'm off to PM Steve Knipe - perhaps he can clarify some of the cruising areas.
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Old 14 October 2004, 14:12   #29
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If I could lighten this up a bit.........................

Quote: Brian "1. Not covered for single handed after dark "
Quote: Louise "Brian-knew all your points apart from the first one. Where did you find that? I went through all the documents with a fine tooth comb but don't remember that one!"

Lousie It's only relatively recently they let me out at all, let alone going out on my own at night! PS Please excuse the crayon, only they dont let me have anything sharp in here.
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Old 14 October 2004, 15:03   #30
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If I could lighten this up a bit....
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