Archive for October, 2010

A. everyone’s needs are different, and only you can decide if wider cover is important to you. It is important to understand what you before they will be able to make an informed decision

Torts -. You should not consider going afloat without liability insurance will cover you if you cause damage to another boat or worse injuries. The industry standard provides a limit of € 2,000,000 and should be sufficient to navigate in the United Kingdom. Many insurers now offer is a policy that £ 3,000,000 worth of coverage

Racing risks -. Most of the actions a cover for the race as standard, but some insurers may charge an additional premium. If you race without paying the additional premium is not

New-For-Old cover can be compensated. – This is to replace damaged parts with new ones, but whether there an age limit of your equipment. For example, if you were break a ten year old mast, some companies could replace it with a new mast of the same specification, some do not pay what they consider the value of the mast at the time of the accident, have to support yourself. Difference

Policy Excess – You will be required to pay the first £ x of rights

are full. – Provision of insurance cover for your boat against accidental damage, theft, fire and vandalism.

Q. I must use a specialist marine insurance company?

A. No – Many High Street Insurance Brokers, your insurance is, but they can not have the expertise to properly advise

Q.. How can I be sure the insurance company I choose is reliable?

A. Your policy is only as good as the service you receive when you apply. Why not talk to your fellow sailors, for their comments on the insurers provide good (or bad) service to their customers.

With effect from 14 January 2005, it is a moral obligation that any company that insurance must be licensed and regulated by the Financial Services Authority.

Q. Why do I need to cover third parties?

A. £ 2,000,000 liability is generally required when you are sailing in the UK and you should not consider sailing without this cover as a minimum. A policy should cover the provision of liability if you cause property damage or injury to another person, was by boat.

Coverage is generally provided for a boat named and therefore another person sailing your boat with your permission will also be taken into account, but you should take your policy if you are unsure. It is unlikely that you are insured, a boat sailing under that policy, and if you take another boat, you should always with the owner of a boat that you are insured to sail to be checked.

thirdly, while the risks of transit would be excluded are normally covered by your car.

Q. I expect a standard policy to hold me until I’m not sailing (ie when my boat in the drive while sitting or while I am on the way?)

A. Global policy should cover your boat against accidental damage, theft, fire and vandalism, whether in use or not, but there are limitations regarding your policy should be. Boats must be securely locked trailer and / or locked when not in use, and store the material on the ceiling or taken home after use, if possible. It is relatively common in mice, rats and other rodents build nests in your sails if stored in your boat.

If so, your sailing eaten and colorful. Not all insurance covers this case.

Q. What is my car and trailer be covered? can

A. Most of the actions by paying an additional premium to include these elements can be extended. Claims would be limited to the market value that is either lower at the time of the loss or the amount on the policy of the Schedule whichever is specified. It might be a political requirement that trailers are locked and / or locked when not in use.

Q. To what would my equipment be covered on a standard policy to extend (ie, sails, masts, etc.)?

A. Some insurers only pay claims to a percentage of the replacement value of your mast and spars, sails is based upon his age, so you pay the difference. In general, insurance companies, only two thirds of the replacement value of the equipment, pay for three years.

Insurance from Noble Marine offered pay the full replacement value of the dinghy mast spars or sails, damaged beyond repair, regardless of age. You must pay your policy excess.

Q. Does it matter who is for my boat?

A. Most insurance companies will not allow anyone to sail your boat with your permission, but it would be wise to consider this first. If you receive money in return, namely, the boat chartered or leased, which could put your policy

Q.. What legal protection?

A. By paying an additional premium, some insurance policies expanded to include legal representation if your boat is involved in a collision or other accident and you suffer a financial loss or injury are. If you are injured, it is more important that you receive expert help so that all claims for damages operate quickly and efficiently.

Q. What cover for sailing abroad?

A. It depends on the policy you have to be chosen. Always check with your insurance before your boat abroad. Noble Marine customers automatically cover 30 days of use per year in Europe. If your sailing takes you outside of Europe for a short time or your boat will be in Europe for 30 days per year, while it may be possible to extend the range.

Q. What should I do when disaster strikes?

A. Your application must, as soon as possible prior to the accident. Because the sooner you apply, depending on the water sooner you should

able to find any case of theft and vandalism to the police report -. Remember that you have the crime reference number for application form.

Stolen boats should you be listed by your insurance, without charge, by www.stolenboats messages. org.uk website.

Q. How long should I wait for my claim sorted?

A. This is from the insurance company you and your quick response. It can also, how fast your machine shop can offer, then take off for repairs. It is a noble intention Marine your reply within two business days, which indicates how you will know exactly where you are, and how long you can expect to get back on the water.

All Policies from Noble Marine boat include:

£ 3,000,000 third party liability for anyone using your boat with your permission. No charge is paid only a third of the claims.

accidental damage, theft, fire and vandalism.

damage to the boat (and your car and trailer, if the insurance policy) during transport, but not the liability of others in transit, as they should be covered by your auto policy

New for Old Cover -. Your mast, boom, rigging and sails are insured on a new-for-age. If any of these items go lost, stolen or damaged beyond repair, we will pay the cost of new replacement item, less the excess policy. No deduction for depreciation

made Full cover for Racing

advanced for the year -. to cover 12 months for all inland and coastal waters of the United Kingdom and up to one month of treatment in Europe. It may be possible to extend this protection available for use outside of Europe or by more than a month in Europe to use.

Cover for sails pests

damaged Visit the

/ p

> http://www. insurancecostfor17yearold.com /

Charter Boat Insurance