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Old 26 February 2013, 09:57   #21
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Originally Posted by IanH View Post
After the problems that the poor chap who killed his son found, check the small print to make sure that it covers the age groups that you intend to carry. He was not insured as his son was too young. But I guess, insurance won't bring his son back so it would have been little consolation even if he was covered.
Thats very true, no insurance could ever cover the loss of a child.

I was with craft insure but also felt suss of their low prices and mainly internet comm's, thats not saying their bad though I have heard good reports about them since, but for a bit extra I chose Towergate as it seemed right they wanted more info on the boat and personal boating experience/quals. I chose fully comp for £22 a month, which allows me full UK waters usage including Ireland. It's worth checking where your policy covers you for, some may only cover your local area.
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Old 26 February 2013, 10:10   #22
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The £500 Towergate policy covers all of the below. Except the kids!

• Cover for Fire, Theft, Accidental and Malicious Damage
• £3,000,000 Third Party Liability as standard
• Road transit cover included as standard
• 12 months in commission use
• Waterski/towing of toys cover included
• Legal protection up to £100,000
• 30 days Continental use
• Underwater stern gear damage included as standard, with no additional excess
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Old 26 February 2013, 10:24   #23
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Make: Ribeye, Zodiac FR
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When I had a claim a couple of years ago the Towergate staff were very helpful. However, I was a bit surprised that I lost ALL my NCB and not just a percentage. That having been said I'll probably stay with them until I have 3 years NCB built up. I never have children on board so I don't have to worry about that part.
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Old 27 February 2013, 03:14   #24
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Quote:
Originally Posted by JeffD View Post
I also need insurance for a Ribcraft 7.8 with a 250 Suzuki on the back? I have to say that insuring a boat is a minefield.

Craft insure want a design speed that is lower than 45 knots! I bet most of your boats go faster than this.

Towergate won't insure anybody for accidental injury that is under 18 or over 76. So unless I am negligent where there is then a third party claim against me (which has a high burden of proof) for anybody carrying children on his policy tuff luck!!

I think they are better insured if you are towing them on a ring or skis!

This is the wording of the Towergate Platinum insurance Policy in respect of personal injury:

Your Policy insures You and Your passengers for accidental death or accidental injury while You or they are on Your boat, or getting on or off it.

Exclusions - Your Insurers will not pay:

• If death or disablement happens more than 12 months from the date You or Your passengers have been injured;
• for anybody under 18 or 76 or over at the time of the accident;
Etc etc

It's not the broker that writes the policy it is the underwriters. Has anybody had a good read of their policy wording which would cover this? I would like my children insured as well as my adult guests.

Thanks.
Every type of insurance is just legalised robbery anyway but you should always read the small print,it's small for a reason me thinks :-)
I'm still looking around for a fair quote if there is such a thing !!!!

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Old 27 February 2013, 03:50   #25
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Quote:
Originally Posted by match View Post

Every type of insurance is just legalised robbery anyway but you should always read the small print,it's small for a reason me thinks :-)
I'm still looking around for a fair quote if there is such a thing !!!!

Sent from my iPad using Rib.net
Very true. My father in law always says never trust banks or insurance company's. I think he's got a point.
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Old 27 February 2013, 03:57   #26
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It is a bit sad when they will not insure children though!! They won't even put them on the policy for an additional premium!!

I would say at least 70% of Ribnetters carry under 18 year olds at some point.
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Old 12 March 2013, 13:21   #27
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Quote:
Originally Posted by treerat View Post

I don't like this exclusion found in some policies, including Craftinsure's; • Accidents whilst “BoatNameHere” is in transit by road

Found this in our dive club policy as well. Not good as my car insurance won't cover it either. At least the policy via Insure my boat covers transport.


I phoned Craftinsure up today to cancel my renewal with them and when asked why I was not renewing my policy with them I told them that it was because they do not cover my boat while towing. The very nice man on the other end of the phone explained to me that they do cover the boat while towing but do not cover a third party claim as the car insurance should covers this. He did agree though that it could be worded better on there policy documents and that they will address this.
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Old 13 March 2013, 06:14   #28
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Thanks for posting this as I was about to give them a call. Did you get this in writing like on an email? Think that is worth doing as a last resort fallback should you be in that unfortunate predicament
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Old 13 March 2013, 06:43   #29
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Quote:
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Thanks for posting this as I was about to give them a call. Did you get this in writing like on an email? Think that is worth doing as a last resort fallback should you be in that unfortunate predicament
Yes I did speak to him on the phone but here is an extract from my policy....


We will not pay claims by third parties for:

• Accidents to or illness of any persons employed in any capacity whatsoever by you in on or about or in connection
with “IMOGEN”.
• Accidents whilst “IMOGEN” is in transit by road.
• Liability resulting from accidents whilst any person is being towed or preparing to be towed by “IMOGEN” for the
purpose of paragliding, hangglide skiing, ski kiteing, inflatable toys or similar sports or after such person has been
towed until safely aboard.
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Old 13 March 2013, 07:13   #30
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Quote:
Originally Posted by match View Post
Hi anybody able to recommend a good company to insure my rib as I'm new to boating and I don't want to get ripped off. :-)

Sent from my iPad using Rib.net
I'm with thesehttp://www.porthcawl-insurance.co.uk/ £154 fully comp that covers me in transit as well
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