Insurance (Sorry!) for mixed use - i.e. mooring, pontoon, marina
I am trying to sort some insurance for my SIB.
Basically it is kept at home except for holidays, when I go on holiday I tend to inflate and leave it launched, either paying for a pontoon berth or a dinghy park. All of the policies I am seeing you have to state one storage location or another.
I am sure I looked at craftinsure last summer and the policy said something along the lines of "will be left unattended for less than 24 hours" which would have suited me fine, as I check or use the boat every day when on Hholiday. But I have just checked the current wording on their website and it says "The boat will only be left moored or anchored unattended, in non tidal waters", which basically prevents any use on the sea unless you are pulling it out every evening.
I also looked at Porthcawl, on that site you just have to pick one mooring / storage type. I don't mind paying for whatever they deem to be the highest risk, but I don't want to use my "initiative" select one and then be told I'm not insured if I store it somewhere else on occasion.
I assume other people must use the boat in this way. Are there any good companies that people recommend? Many thanks.