Insurance question

[PeterCr]

Hi everyone,

 

We live in Australia and have a boat in the UK. In the past I've insured with craftinsure, so as we are heading over next week I rang them to reinsure.

 

They tell me that unless we are British residents they will not insure us.

 

I know there are lots of others from foreign shores with boats there, and wonder if anyone can offer suggestions on an insurer who will insure non residents.

 

Cheers
Peter

[Tracy D'arth]

Whatever you want to insure in the UK now, the insurers ask if you are a resident, It didn't used to be that way but something must have changed.

I have had this asked on car and house insurance this month.

[MtB]

Curious. I've just visited the craftinsure website and obtained a quote for NB insurance without being asked if I am a UK resident. I got as far as being asked to fill in my name and address after the "purchase this insurance" button and it wanted a postcode. At this point I bailed out as I am already a customer of theirs and it would probably have recognised me as such, and knows I am UK

 

 

[David Mack]

From https://www.craftinsure.com/terms-conditions:

UK only

Craftinsure.com is directed at UK and Northern Irish residents only. Our products and services are only available to UK and Northern Irish residents. By getting a quotation you confirm that you are resident in the UK or N.Ireland and you will immediately notify us if you cease to be so resident.

[David Mack]

Peter,

You could try contacting Michael Stimpson who is the Inland Waterways contact for Circle Marine. Circle Group do all sorts of insurance so may be able to offer the international dimension which a UK inland waterway insurance specialist doesn't.

 

Michael Stimpson F.Inst.I.C.

INLAND MARINE CONSULTANT

Direct Dial: 01923 770425 E: michael.stimpson@circlemarine.co.uk

Edited June 6, 2022 by David Mack

[Alan de Enfield]

On their last visit, my Daughter in Law had terrible trouble trying to get insurance, even to hire a car, let alone drive her own car that she leaves with us.

In the end I had to sell the car to myself, and have the insurance in my name and add her as a temporary driver and pay an extra £100+ (cannot remember the exact amount) for their 2 month stay.

 

She has a UK driving licence and passed her test in the UK, but does not meet the legal residency rules.

 

Maybe you could sell the boat to a friend and get them to insure it in their name, when you would be allowed to use it under the normal 'friends and family' can use the boat.

Edited June 6, 2022 by Alan de Enfield

[PeterCr]

Thanks David. I'll try.

 

I just tried Haven Knox Johnson and the website allows me to select Australia for a quote but when I get to the end it wont't give me a quote

[David Mack]

A year or two back I found that while I could add drivers from the EU, Australia, New Zealand and Canada and some other Commonwealth countries to my UK car insurance, I couldn't add US residents, nor could I find a daily insurance company that would accept them. Yet the car hire companies can accept drivers from more or less anywhere, so there must be insurance products available.

[Cheese]

18 minutes ago, David Mack said:

From https://www.craftinsure.com/terms-conditions:

UK only

Craftinsure.com is directed at UK and Northern Irish residents only. Our products and services are only available to UK and Northern Irish residents. By getting a quotation you confirm that you are resident in the UK or N.Ireland and you will immediately notify us if you cease to be so resident.

That doesn't give me a great deal of confidence in craftinsure.  They appear to not know that 'UK' automatically includes Northern Ireland!

.

[Alan de Enfield]

4 minutes ago, Cheese said:

That doesn't give me a great deal of confidence in craftinsure.  They appear to not know that 'UK' automatically includes Northern Ireland!

.

 

It appears that they do not know the difference between GB & UK

[David Mack]

8 minutes ago, Cheese said:

They appear to not know that 'UK' automatically includes Northern Ireland!

 

3 minutes ago, Alan de Enfield said:

It appears that they do not know the difference between GB & UK

But since many of their customers won't know the difference either its a 'for the avoidance of doubt' clause.

[Alan de Enfield]

4 minutes ago, David Mack said:

 

But since many of their customers won't know the difference either its a 'for the avoidance of doubt' clause.

 

Maybe a citizenship test should be included into the school curriculum so it is not only the immigrants that know about the country they choose to live in.

[David Mack]

If they'd written 'GB and NI' it would have been both correct and informative.

[MtB]

8 minutes ago, David Mack said:

If they'd written 'GB and NI' it would have been both correct and informative.

 

 

Somebody would probably ask what GB stands for! 

[ditchcrawler]

3 hours ago, David Mack said:

Peter,

You could try contacting Michael Stimpson who is the Inland Waterways contact for Circle Marine. Circle Group do all sorts of insurance so may be able to offer the international dimension which a UK inland waterway insurance specialist doesn't.

 

Michael Stimpson F.Inst.I.C.

INLAND MARINE CONSULTANT

Direct Dial: 01923 770425 E: michael.stimpson@circlemarine.co.uk

I think he may still be in hospital, he was taken poorly a couple of days ago and they were keeping an eye on him.

[Ronaldo47]

UK = the United Kingdom of Great Britain and Northern Ireland. It does not include the Channel Islands.

[David Mack]

1 hour ago, ditchcrawler said:

I think he may still be in hospital, he was taken poorly a couple of days ago and they were keeping an eye on him.

I'm sorry to hear that.

 

Try Lucy Tooley or Alex Hoole instead.

 

Lucy Tooley

Account Executive

 

Direct Dial: 01590 638202 | M: +44 (0)7502 228056 l E: lucy.tooley@circlemarine.co.uk

Circle Marine Insurance Services | Newcourt House | New Street| Lymington | Hampshire | SO41 9BQ

E: enquiries@circlemarine.co.uk l

 

If unavailable, please contact Alex Hoole DD: 01590 638201 | M: +44 (0)7534 280448 | E: alex.hoole@circlemarine.co.uk

[ditchcrawler]

6 hours ago, David Mack said:

I'm sorry to hear that.

 

Try Lucy Tooley or Alex Hoole instead.

 

Lucy Tooley

Account Executive

 

Direct Dial: 01590 638202 | M: +44 (0)7502 228056 l E: lucy.tooley@circlemarine.co.uk

Circle Marine Insurance Services | Newcourt House | New Street| Lymington | Hampshire | SO41 9BQ

E: enquiries@circlemarine.co.uk l

 

If unavailable, please contact Alex Hoole DD: 01590 638201 | M: +44 (0)7534 280448 | E: alex.hoole@circlemarine.co.uk

He is out again now.

 

[Phoenix_V]

Just a thought have you tried an Australian insurer, Pantaenius are specialist yacht insurers with offices in Australia and UK.

Edited June 7, 2022 by Phoenix_V
spelling

[Alan de Enfield]

8 minutes ago, Phoenix_V said:

Just a thought have you tried an Australian insurer, Pantaenius are specialist yacht insurers with offices in Australia and UK.

 

A few years ago I tried them for my insurance but they were 3x the price of CraftInsure, but, always worth the cost of a call.

[ditchcrawler]

On 06/06/2022 at 10:56, David Mack said:

Peter,

You could try contacting Michael Stimpson who is the Inland Waterways contact for Circle Marine. Circle Group do all sorts of insurance so may be able to offer the international dimension which a UK inland waterway insurance specialist doesn't.

 

Michael Stimpson F.Inst.I.C.

INLAND MARINE CONSULTANT

Direct Dial: 01923 770425 E: michael.stimpson@circlemarine.co.uk

He is out of hospital waiting for an opp. but is working and happy to try to help if the OP contacts him. It would be my first call if I needed boat insurance help

[hvdb]

Peter,

 We are Dutch and live in the Netherlands, and had no problems insuring our (English) narrowboat with IRCM. The boat stays in England, we travel to England several times a year to take her out boating.

We bought the boat in 2010 and has always been insured with IRCM.

 

Helen

 

 

[PeterCr]

Thanks Helen, I'm beginning to get a little worried. I've rung IRCM and they tell me the rules have changed and they too now only insure British residents. He wasn't sure what had changed but the changes mean that they can only insure British residents

[robtheplod]

Opportunity here for some UK resident to setup as a go between, insuring peoples boats on others behalf... probably not legal but just a thought!

[Slim]

Not political..

Is this situation a spin off of Brexit?