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Old 04 July 2012, 04:22   #1
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RIB Insurance

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
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Old 04 July 2012, 04:51   #2
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Do search on forum before posting ? lol

Porthcrawl Insurance is who I use and few others...
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Old 04 July 2012, 04:53   #3
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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.
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Old 04 July 2012, 04:57   #4
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Quote:
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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
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Old 04 July 2012, 05:01   #5
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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
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Old 04 July 2012, 05:04   #6
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Originally Posted by steco1958 View Post
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
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Old 04 July 2012, 05:10   #7
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Feck me your a smart ar*se
Some times
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Old 04 July 2012, 05:10   #8
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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
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Old 04 July 2012, 05:36   #9
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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.
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Old 04 July 2012, 06:11   #10
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Quote:
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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.
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