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Old 10 January 2019, 06:32   #1
Member
 
Country: UK - England
Town: Redcar
Boat name: Tamerined
Make: Hydro Force
Length: 3m +
Engine: Outboard
Join Date: Jul 2018
Posts: 9
RIB/SIB Insurance

I insured my SIB+outboard for the first time last year but I find the T&C's quite difficult to achieve. As an example, I am required to have my outboard transom locked to the boat all the time. My boat in deflated and stored and the outboard is mounted to an outboard stand. I have it locked to a concrete ground hook but the insurer can't get his head around the concept of deflating and storing the boat.


What insurers do you good folk use, I feel the need to change my insurer to someone who can understand inflatable boats. I'm currently with Towergate Insurance
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Old 10 January 2019, 07:13   #2
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Country: UK - England
Town: East Anglia
Boat name: Nimrod II
Make: Aerotec 380
Length: 3m +
Engine: Yamaha 15Hp 2-stroke
Join Date: Nov 2007
Posts: 5,067
I'm with Craftinsure and their wording is logical, they've covered the on/off the boat situation.

Under what is NOT covered they say...

Theft of outboard motors whilst attached to “Nimrod II” or her tender(s) unless securely locked by an anti-theft device which prevents retaining bolts or clamps being undone, and unless you can supply the engine serial number.
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Old 10 January 2019, 07:33   #3
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Country: UK - England
Town: Retford
Boat name: Spy-sea-one
Make: Excel 435
Length: 4m +
Engine: Suzuki Outboard/25/4
Join Date: Oct 2011
Posts: 5,551
+1 craftinsure
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Old 10 January 2019, 07:34   #4
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Country: UK - Scotland
Town: north ayrshire
Boat name: charlie girl
Make: reiver 3.8/regal3760
Length: 10m +
Engine: 40hp 2st 2x6lp 315
Join Date: Jul 2009
Posts: 2,275
Whilst not an engine we had an unusual claim from craftinsure. We had all the equipment from our hard cruiser stored in a static caravan which caught fire
There was a large plotter, all lifejackets, waterproofs, canopies , vhf etc. About 8k worth of stuff I rang craftinsure expecting a negative reply but to my surprise they paid for everything without question.
Just cos the circumstances arent shown in the policy doesn't mean if you have a genuine unavoidable loss that they wont honour your claim
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Old 10 January 2019, 08:08   #5
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Country: UK - England
Town: Sussex
Boat name: Bombard, Y-162
Make: Aerotec 380, Y-Class
Length: 3m +
Engine: Mercury Mariner 15hp
Join Date: Jul 2010
Posts: 3,010
Craftinsure is the default answer on here - like others I've been with them for years.

Just call them and they will tailor things to suit you - for instance last year they added a one week amendment to cover out BAT left on the tidal Dart overnight.

Similarly to Fen' call them about locks and they are very sensible if you explain the security you have and use that may differ (improve) to expected wording.
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Old 10 January 2019, 11:13   #6
Member
 
Country: UK - England
Town: Redcar
Boat name: Tamerined
Make: Hydro Force
Length: 3m +
Engine: Outboard
Join Date: Jul 2018
Posts: 9
Many thanks for the replies, looks like Craftinsure will win my business
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Old 10 January 2019, 11:50   #7
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Country: UK - England
Town: East Anglia
Boat name: Nimrod II
Make: Aerotec 380
Length: 3m +
Engine: Yamaha 15Hp 2-stroke
Join Date: Nov 2007
Posts: 5,067
>>> last year they added a one week amendment to cover out BAT left on the tidal Dart overnight.

Just out of interest for my 2018/19 cover period Craftinsure added moored on tidal waters cover when I renewed for the same cost as they charged for just two weeks in summer 2018 added on mid-policy... so far better value to get it anyway if you think it might be a regular thing.

NB this is on the yearly policy but covers 1st April to 31st Oct which is fine for us as we're only likely to leave it unattended for long enough to need insurance during our middle of the year holiday and warmer weather outings.
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Old 10 January 2019, 12:31   #8
Member
 
Country: UK - England
Town: Sussex
Boat name: Bombard, Y-162
Make: Aerotec 380, Y-Class
Length: 3m +
Engine: Mercury Mariner 15hp
Join Date: Jul 2010
Posts: 3,010
Quote:
Originally Posted by Fenlander View Post
>>> last year they added a one week amendment to cover out BAT left on the tidal Dart overnight.

Just out of interest for my 2018/19 cover period Craftinsure added moored on tidal waters cover when I renewed for the same cost as they charged for just two weeks in summer 2018 added on mid-policy... so far better value to get it anyway if you think it might be a regular thing.

NB this is on the yearly policy but covers 1st April to 31st Oct which is fine for us as we're only likely to leave it unattended for long enough to need insurance during our middle of the year holiday and warmer weather outings.
Yes, they offered me the same but I would not be using it tidally except for one sole week so not worth the extra on that occasion.
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