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Old 13 March 2013, 07:31   #31
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As with most things in life, you get what you pay for. I pay around 300 quid for my RIB insurance. For that I get an agreed value, i.e if the boat is nicked or written off, I get the insured value, not "market value" so no haggling over how much they are going to pay. I get cruising limits from the Elbe - Brest & passages in between i.e no limits as to how far offshore I can go. There's no restriction on HP or speed, the only thing being, that if the boat is capable of +20kn, the excess for underwater gear damage rises to 500. No restriction on passenger age (never occurred to me that there would be tbh) etc, etc. Full cover for damage in transit & launching. Be careful on the launching one, I was caught out by that a few years ago. Be careful with the valuation, many policies ask for the value of the boat & calculate the premium accordingly, but will only pay market value in the event of a total loss. Sneaky!! Bishop Skinner did that to me for years until I twigged.
You can't expect to drive down the cost to the last penny & the insurance companies not get it back somehow, either by reducing the cover or playing silly buggers when it comes to paying out. Caveat Emptor.

If you want cheap, I think Tesco have some good burgers on offer.
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Old 13 March 2013, 08:07   #32
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Quote:
Originally Posted by Pikey Dave View Post
I pay around 300 quid for my RIB insurance. Full cover for damage in transit & launching.
I pay 228 for a 5.4 and with only one engine so not cheap but reasonable

The question was that with Coversure whom I am insured with, is that do they or do they not cover you whilst towing and I was told by phone that they do cover your boat and trailer but... do not cover any third party claims as the car insurance should cover this. And I was lead to believe that this is the case with most boat insurers.
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Old 13 March 2013, 08:14   #33
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Quote:
Originally Posted by kerny View Post
I pay 228 for a 5.4 and with only one engine so not cheap but reasonable

The question was that with Coversure whom I am insured with, is that do they or do they not cover you whilst towing and I was told by phone that they do cover your boat and trailer but... do not cover any third party claims as the car insurance should cover this. And I was lead to believe that this is the case with most boat insurers.
Aye, damage to the boat should be covered under the boat insurance whilst towing, but the damage to the poor sod who it landed on should be covered on your car insurance. HOWEVER, check your car insurance, as I have seen some policies that exclude towing trailers in the small print. As ever, check the details.
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Old 13 March 2013, 08:29   #34
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Quote:
Originally Posted by Pikey Dave View Post
HOWEVER, check your car insurance, as I have seen some policies that exclude towing trailers in the small print. As ever, check the details.
Good point

As we or I would,

automatically think that fully comp on a 4x4 includes towing.

I'm just checking now
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Old 13 March 2013, 08:40   #35
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Originally Posted by kerny View Post
Good point

As we or I would,

automatically think that fully comp on a 4x4 includes towing.

I'm just checking now


Just spoke to my car insurer and was told that all fully comprehensive insurance covers towing for third party claims only.
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Old 13 March 2013, 08:53   #36
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Quote:
Originally Posted by kerny View Post
Just spoke to my car insurer and was told that all fully comprehensive insurance covers towing for third party claims only.
That's normal, it means that you are covered for damage to the poor sod, but not to your trailer/boat, which is what the boat insurance is for...hopefully
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Old 13 March 2013, 09:05   #37
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Quote:
Originally Posted by Pikey Dave View Post
That's normal, it means that you are covered for damage to the poor sod, but not to your trailer/boat, which is what the boat insurance is for...hopefully
Correct P.D.

Back to AJ. This is what it says on my policy so it is covered and from a few positive comments on this thread regarding claims from Coversure I would give them a go AJ.



Territorial scope:

• Whilst ashore or in transit or afloat on inland and coastal waters of the United Kingdom and Ireland, and for a period not
exceeding 30 days in any one period of insurance in Europe
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Old 13 March 2013, 16:45   #38
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Quote:
Originally Posted by kerny View Post

Correct P.D.

Back to AJ. This is what it says on my policy so it is covered and from a few positive comments on this thread regarding claims from Coversure I would give them a go AJ.

Territorial scope:

• Whilst ashore or in transit or afloat on inland and coastal waters of the United Kingdom and Ireland, and for a period not
exceeding 30 days in any one period of insurance in Europe
Cheers Kerny gonna check mine out tomorrow. Sure it will be the same
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Old 13 March 2013, 16:59   #39
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I'm with thesehttp://www.porthcawl-insurance.co.uk/ 154 fully comp that covers me in transit as well
+1 for Porthcawl

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Old 13 March 2013, 17:16   #40
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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.
you learn something new every day... poor bloke lives near me
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