Insurance; them or us?

[Simon B]

JK may move this;

I'm in a club that insures it's boats for club use, i.e. members of our own branch only.

Our governing body is runs training courses that some branches can join sometimes with their own boat. Our governing body provides the instructors for the course but does not insure them for damage to member boats.

The expectation is that branches cover their own boats for this risk. Can temporary cover be arranged for this? Or would a more sensible option be for the governing body to look at insurance? They are a much bigger outfit than us!

[bobbyjoeufb]

The instructor should have there own insurance to cover any damage to the boat during the training.

[Simon B]

I'd sort of thought that, is this the same if you go to say the RYA and do an "own boat" type course?

[PeteSmith]

Would the governing body be BSAC?

Pete
><((('>

[Simon B]

In this instance yes, but there would be other instances of this potentially ocurring.

[PeteSmith]

eee

[PeteSmith]

This is one item I do know fairly well...

As a BSAC member (yourself or a BSAC Instructor teaching on any course wether it is boat handling or anything else) has BSACs third party liability cover.

Lets make a thoretical example..

If the instructor or student on a BH course damages the boat (or some other boat) the instructor is the one who is responsible as they are teaching the activity and as such legally in charge of the boat - (even if they are not on the helm themselves).

BSACs 3rd party liability insurance is just that - so if the instructor accepts that they have need negligent then the insurance will pay up.
However genuine accidents do happen - these are NOT covered by BSACs member insurance.

In the BSAC SE Region we state that all boats that attend BSAC events should have insurance that covers all users and the boat whilst it is being used for training. Normally the case is that you need to get your boat insurers to write this into the policy.

However, virtually all incidents can probably be show that someone was negligent somewhere - hence the 3rd party liability covers instructors - BUT NOT THE BOAT OR ANY OTHER PROPERTY!


Not an easy choice - luckily incidents are few and far between.

As regard to the RYA - most powerboat training is done by RYA schools and those that do "Own Boat tuition" normally state in their booking policy that the owners insurance must cover the boat and all people on board whilst instruction is being done and that the owner is legally in charge of the boat at all times - so its back to your insurers again.

I also understand that RYA do not take kindly to running "Own Boat tuition" on boats owned by diving clubs. I heard it say that the RYA think club dive Ribs are not up to standard to run courses from! Hence you would have to find an RYA school that is also a BSAC Seamanship centre.

Pete

[PeterM]

Each boat should have its own ' all risks; type cover - if it was say stolen while in the custody or control of the instructor ,their third party liability insurer would not want to know !

As was said the liability only comes into play when someone has been proved to either neglectedto do some somehting that would be expected, or has done somehting that could be considered negligent.

If you hit log at sea who's to say who is negligent ??????or not ?????

Trust me - its my job to sort these things out.......... for my sins

[Simon B]

Originally Posted by PeteSmith

This is one item I do know fairly well...
I also understand that RYA do not take kindly to running "Own Boat tuition" on boats owned by diving clubs. I heard it say that the RYA think club dive Ribs are not up to standard to run courses from! Hence you would have to find an RYA school that is also a BSAC Seamanship centre.
Pete

Ours does not have an auxilliary, so possibly yes not up to standard.

Originally Posted by Blackroady

Each boat should have its own ' all risks; type cover - if it was say stolen while in the custody or control of the instructor ,their third party liability insurer would not want to know !

As was said the liability only comes into play when someone has been proved to either neglectedto do some somehting that would be expected, or has done somehting that could be considered negligent.

Looks like it might be easiest if we add the cover ourselves then reclaim it as an expense.

[BruceB]

Don't get me started on BSAC and boathandling courses.....................