RIB Insurance

steco1958 · 04 July 2012, 08:22

Its coming up to that time of year where I need to renew my boat insurance.

Previously insured the SIB on a 3rd party basis.

Now that I have a RIB, should I upgrade to a better insurance i.e. fully comprehensive, if so, what companies are good, and what companies gave you hassle.

Thanks in advance for your replies.

Steve

SPR · 04 July 2012, 08:51

Do search on forum before posting ? lol

Porthcrawl Insurance is who I use and few others...

thomas · 04 July 2012, 08:53

Most marine insurers are pretty good at paying out, I use Noble Marime, have used Towergate in the past but if you need to cancel a policy early they won't refund you which is bordering on dishonest.

kerny · 04 July 2012, 08:57

Quote:

Originally Posted by thomas

but if you need to cancel a policy early they won't refund you which is bordering on dishonest.

Since when have Insurance companies been honest

especially motor insurance

steco1958 · 04 July 2012, 09:01

Quote:

Originally Posted by kerny

Since when have Insurance companies been honest

especially motor insurance

Its not that they are dishonest, you have entered into a contract for insurance for 12 months, unless it is explicitly stated in the T's & C's that they will refund if you cancel, then they will not give you a refund, it is yor choice to cancel not theirs !!

Steve

kerny · 04 July 2012, 09:04

Quote:

Originally Posted by steco1958

Its not that they are dishonest, you have entered into a contract for insurance for 12 months, unless it is explicitly stated in the T's & C's that they will refund if you cancel, then they will not give you a refund, it is yor choice to cancel not theirs !!

Steve

Feck me your a smart ar*se

steco1958 · 04 July 2012, 09:10

Quote:

Originally Posted by kerny

Feck me your a smart ar*se

Some times

Jeff Hutcheon · 04 July 2012, 09:10

Quote:

Originally Posted by thomas

Most marine insurers are pretty good at paying out, I use Noble Marime, have used Towergate in the past but if you need to cancel a policy early they won't refund you which is bordering on dishonest.

I use Towergate with no problems as yet

Rokraider · 04 July 2012, 09:36

I use Towergate for my Rib and camera equipment. They have been very competitive on price. I used to use Noble Marine for all my boats, but this year they were a third more compared to others.

Silverfox · 04 July 2012, 10:11

Quote:

Originally Posted by thomas

Most marine insurers are pretty good at paying out, I use Noble Marime, have used Towergate in the past but if you need to cancel a policy early they won't refund you which is bordering on dishonest.

If you have had a claim they don't have to refund you.

If you pay by DD and haven't had a claim, just stop your DD, albeit there maybe a cancellation fee to pay.

If you have over paid on a DD, go to Direct Debit and make a claim under the DD guarantee for a refund.

If there has been no claim, and the premium was paid for 12 months in advance and they won't refund the part due less a reasonable admin fee, tell them you are off to the FSA, as they can't do that.

jambo · 04 July 2012, 10:14

I have used Euromarine for years with no trouble at all all their staff are very helpful.
But as SPR said do a search as there is lots of threads on here relating to insurance

thomas · 04 July 2012, 11:13

I had a big boat insured with GJW and sold it as I went back to cat sailing, GJW don't do small boats so they refunded me for the time remaining, I insured the cat with Towergate and after two months injured my arm and had to sell it, Towergate said they would not refund me and as I'd sold the bot they could not even transfer the policy even when I said I was looking at a RIB.

I insured my first RIB with Noble, when I changed to my big one there was a gap and they refunded my the remainder, I then took out a now policy for the new boat.

So MY experience of Towergate has been pretty poor and I said to to stroppy cow on the phone that I would never recomend them to anyone so I'm keeping my word. I'm sure there are people out there that have received poor service form companies I'd recommend.

kerny · 04 July 2012, 11:20

I use these as recommended by willk on an old thread, you pay monthly and if you want to cancel just cancel your direct debit on there website.

Craftinsure Boat Insurance | Compare Yacht, Narrowboat, Dinghy, RIB, Speedboat Insurance

Silverfox · 04 July 2012, 11:56

Quote:

Originally Posted by jambo

I have used Euromarine for years with no trouble at all all their staff are very helpful.
But as SPR said do a search as there is lots of threads on here relating to insurance

I use Euromarine too.

tony t · 04 July 2012, 12:10

Quote:

Originally Posted by kerny

Feck me your a smart ar*se

Impossible to be that smart hes from Sandwell Town

Now i will say hello and welcome to a fellow midlander even if he is from WWWESTT BBRROM
feck me it hurts when i try to say that

jambo · 04 July 2012, 12:19

Quote:

Originally Posted by tony t

Impossible to be that smart hes from Sandwell Town

Now i will say hello and welcome to a fellow midlander even if he is from WWWESTT BBRROM
feck me it hurts when i try to say that

LEAST THEY ARE PREMIERSHIP MATERIAL

PeterM · 04 July 2012, 12:38

I have used all sorts over the years and dealt with most for clients boats....

Towergate are becoming/ have become rather 'corporate' over the years to the point where service is not great unless you are a commercial client or your boat is worth millions.

GJW have been good to me for big commerical clients ( building big Aluminium cats etc )

Mardon were OK for me ( but I never needed to claim) .

Porthcawl have been ace on the only claim I have needed to make, maybe not the cheapest but 1st rate service ( for me) , and for my SIB craftinsure suited me as its a simple policy for a simple ( cheapish) boat.

steco1958 · 04 July 2012, 12:54

Quote:

Originally Posted by tony t

Impossible to be that smart hes from Sandwell Town

Now i will say hello and welcome to a fellow midlander even if he is from WWWESTT BBRROM
feck me it hurts when i try to say that

Your obviously from the old gold persuasion then ?

tony t · 04 July 2012, 13:08

Quote:

Originally Posted by steco1958

Your obviously from the old gold persuasion then ?

Of Course

steco1958 · 04 July 2012, 13:31

Quote:

Originally Posted by tony t

Of Course

Not sure why you sound happy !!

I will not turn it into a football post, but I dont think you will be back in prem for a few years, you have a lot of building to do (on the team that is).

as for ribs, how often do you get to use yours and where do you go. send us a pm if you want, we will keep it on a boating theme, as we both know, if it goes on to football neither of us will change, and i respect that