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Old 13 May 2014, 06:57   #1
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Territorial Scope on Insurance Policy.

I am insured with Craftinsure and on my policy it states in under...

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.


IMOGEN is a Cat C boat so...

for the upcoming Isle of Man trip I wanted to make sure that I was covered on my policy so I rang Craftinsure and asked how far of the coast do they class as to be offshore because I want to make a trip to the Isle of Man he told me that Coversure do not put a distance on the policy and that they class the Isle of Man to be in UK coastal waters and would I be in the company of other boats when making this trip, and when I said yes he said that they would not have a problem with my cover for a such a trip on my existing policy and there would be no further charge. I also asked him that if I wanted to go to Ireland would the same apply ? he said as long as I was in company of other boats the same would apply. Good to know and glad I made that call.

I will send them an email asking them to clarify this

It might be prudent for other members who have got Cat C boats to check with their insurers to see if they offer the same cover if looking at undertaking such trips in the future.
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Old 13 May 2014, 08:05   #2
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I think that Craftyinsure man knew that you faced very little risk of in going to Ireland
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Old 13 May 2014, 08:16   #3
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Quote:
Originally Posted by willk View Post
I think that Craftyinsure man knew that you faced very little risk of in going to Ireland
Oh yes I WILL be there next time.... if its just to keep you up at the bar until 2.30am Sorry I couldn't make it last year to deprive you of your sleep willk "although it wasn't very hard" I had too many family weddings to attend.
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Old 13 May 2014, 15:56   #4
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just emailed mine to see what they say my cruising limits are. will let you know what they say.
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Old 13 May 2014, 16:28   #5
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Our French insurance allows us anywhere in a square between the canary islands and Finland. No limits on distance offshore...because French boats have government limitations..but as a UK boat we don't... Sooooo....
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Old 13 May 2014, 16:32   #6
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Our French insurance allows us anywhere in a square between the canary islands and Finland. No limits on distance offshore...because French boats have government limitations..but as a UK boat we don't... Sooooo....
My Mercia Marine policy covers the area Brest to the Elbe & passages between, it'll do for me
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Old 15 May 2014, 15:18   #7
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result! my insurance have agreed to amend my policy to extend my cruising limits to ireland, iom. at the same time ive also got them to agree to cover my boat for occasional mooring as until now it wasnt covered if left unattended afloat and so had to be on its trailer when not in use. and the cost?...10 admin fee!
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Old 15 May 2014, 16:50   #8
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Make sure you get a signed letterhead statement agreeing to all that. E-mail and phone messages usually won't stand up in court (especially e-mail from them that you printed out.)

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Old 15 May 2014, 17:05   #9
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my docs are always an electronic version until paid for then i always request paper ones through the post
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