Craftinsure

[blackrose]

If you have a Craftinsure policy I would recommend going onto their website or app, logging in and checking your policy.

 

I just called them because I needed to renew my EA licence and quote my insurance details, but I couldn't find my active policy on their website and was then told on the phone that I didn't have an active policy! 

 

Having been with them since 2007 I was a bit shocked. I usually print out a hardcopy of my insurance policy after each renewal but last time I didn't bother, thinking I didn't need to as I could always view it by logging into their website. They guy I spoke to at Crafinsure put me on hold to check what was going on and while he was doing that I checked my bank statement and found a payment to Craftinsure in June 2024.

 

The guy came back after 5 mins to tell me that I was insured but there had been an error and no active policy was showing on my account. They're currently looking into what's gone wrong. It's not great, so if you're with them I would check your policy.

[bizzard]

17 minutes ago, blackrose said:

If you have a Craftinsure policy I would recommend going onto their website or app, logging in and checking your policy.

 

I just called them because I needed to renew my EA licence and quote my insurance details, but I couldn't find my active policy on their website and was then told on the phone that I didn't have an active policy! 

 

Having been with them since 2007 I was a bit shocked. I usually print out a hardcopy of my insurance policy after each renewal but last time I didn't bother, thinking I didn't need to as I could always view it by logging into their website. They guy I spoke to at Crafinsure put me on hold to check what was going on and while he was doing that I checked my bank statement and found a payment to Craftinsure in June 2024.

 

The guy came back after 5 mins to tell me that I was insured but there had been an error and no active policy was showing on my account. They're currently looking into what's gone wrong. It's not great, so if you're with them I would check your policy.

A bit like my car insurance which is RAC online. I had to print out my own paper copy of the certificate.

[wandering snail]

They are now part of Ripe Insurance Services, underwritten by Geo Underwriting Services Limited Trading as Navigators and General who arrange on behalf of HCC International plc ('HCCI') Trading as Tokio Marine HCC. .....................!

[BilgePump]

Just now, wandering snail said:

They are now part of Ripe Insurance Services, underwritten by Geo Underwriting Services Limited Trading as Navigators and General who arrange on behalf of HCC International plc ('HCCI') Trading as Tokio Marine HCC. .....................!

I was just about to mention that a few years ago I had the same issue with a 3rd party online policy with Nav and Gen. Current policy wasn't showing (payment had been made months before). Older, inactive ones for same and other boats were there but one of the new ones wasn't.

[Alan de Enfield]

I always download and keep in a  PC file (Ships Papers) everything I may need - Insurance, RCD, ,mooring contracts, Brexit location certificate, VHF licence, SSR registration, BSS etc etc.

 

I see little point in relying on 'the cloud' or the internet when we all know of the 'black holes' in coverage.

If I've got my laptop everything is available 24/7 worldwide and cannot just be removed.

Edited February 26 by Alan de Enfield

[BilgePump]

Just now, Alan de Enfield said:

I always download and keep in a  PC file (Ships Papers) everything I may need - Insurance, RCD, ,mooring contracts, Brexit location certificate, VHF licence, SSR registration etc etc.

 

I see little point in relying in 'the cloud' or the internet when we all know of the 'black holes' in coverage.

If I've got my laptop everything is available 24/7 worldwide.

Probably not essential for pootling along the Shroppie.

[Alan de Enfield]

6 minutes ago, BilgePump said:

Probably not essential for pootling along the Shroppie.

 

Maybe not - but on the Trent (for example) where you are using the VHF to call lockies ..............................

If you are displaying an SSR number, you need your certificate wherever the boat is.

[Tonka]

Just now, Alan de Enfield said:

 

Maybe not - but on the Trent (for example) where you are using the VHF to call lockies ..............................

If you are displaying an SSR number, you need your certificate wherever the boat is.

Why do you need a small ships registration to use a radio?

[Alan de Enfield]

Just now, Tonka said:

Why do you need a small ships registration to use a radio?

 

I am not understanding the question.

[Jon57]

22 minutes ago, wandering snail said:

They are now part of Ripe Insurance Services, underwritten by Geo Underwriting Services Limited Trading as Navigators and General who arrange on behalf of HCC International plc ('HCCI') Trading as Tokio Marine HCC. .....................!

 

19 minutes ago, BilgePump said:

I was just about to mention that a few years ago I had the same issue with a 3rd party online policy with Nav and Gen. Current policy wasn't showing (payment had been made months before). Older, inactive ones for same and other boats were there but one of the new ones wasn't.

Have herd of very bad experiences from the insurance company Navigation and general taking over 6 weeks to come to a settlement on a sunken scout boat recently. Also Ripe motorhome insurance have had many concerns on some motorhome forums apparently. I'm with craftinsure at the moment but if they are under the same company I think I will be looking elsewhere very soon. 

[Mike Tee]

I've just renewed a boat policy with Craftinsure - apart from my computer told me their website 'was not safe'!

I rang up and renewed with no problem.

[wandering snail]

We had a massive claim with Craftinsure back in 2012 when a JCB crashed in to our boat. They were prompt in paying for the repairs then but this is now quite a while ago. We are back with them now so rather hoping nothing has changed for the worse if we needed to claim in the future.

[blackrose]

2 hours ago, Alan de Enfield said:

I always download and keep in a  PC file (Ships Papers) everything I may need - Insurance, RCD, ,mooring contracts, Brexit location certificate, VHF licence, SSR registration, BSS etc etc.

 

I see little point in relying on 'the cloud' or the internet when we all know of the 'black holes' in coverage.

If I've got my laptop everything is available 24/7 worldwide and cannot just be removed.

 

So what happens if your laptop crashes and won't restart? You're still relying on digital information wherever it happens to be stored and no storage device is 100% reliable.

 

Ironically I was printing out my insurance certificate after every renewal until last year... Sod's law innit.

[Alan de Enfield]

3 minutes ago, blackrose said:

 

So what happens if your laptop crashes and won't restart? You're still relying on digital information wherever it happens to be stored and no storage device is 100% reliable.

 

Ironically I was printing out my insurance certificate after every renewal until last year... Sod's law innit.

 

Exactly so - I'm pre 'digital age' which is why I don't trust any of it to be consistently reliable, so, I aso have a 'thumb drive' on my key ring which contains all of the documents, pictures etc on my lap-top.

Problem then is - what do i do if I lose my keys.

 

You have to stop somewhere.

[BilgePump]

Isn't the moral that we're all a bit lazy. We could print out and laminate docs easily once issued. That was what I used to do but got slack about it over time. This year everything is still just a number in a system on the cloud and an email that may or may not be accessible.

[Tonka]

1 hour ago, BilgePump said:

Isn't the moral that we're all a bit lazy. We could print out and laminate docs easily once issued. That was what I used to do but got slack about it over time. This year everything is still just a number in a system on the cloud and an email that may or may not be accessible.

Only when work has a laminating machine

[Alway Swilby]

5 hours ago, Alan de Enfield said:

 

Exactly so - I'm pre 'digital age' which is why I don't trust any of it to be consistently reliable, so, I aso have a 'thumb drive' on my key ring which contains all of the documents, pictures etc on my lap-top.

Problem then is - what do i do if I lose my keys.

 

You have to stop somewhere.

You could use a cloud backup such as Dropbox or OneDrive. Stuff is on your hard drive as well as stored in the cloud. So if your hard drive goes pear shaped and you have to buy a new laptop then it's all there available to download again.

[Tony Brooks]

Or regularly copy your photos and document to an external drive that you store in another room.

 

That reminds me, I need to do that.

[MtB]

4 hours ago, Tony Brooks said:

Or regularly copy your photos and document to an external drive that you store in another room.

 

That reminds me, I need to do that.

 

And therein lies the problem. I bet it's months since you last did this!

 

With the Apple ecosystem, every document is continuously updated to the cloud and available on every device you have. I have laptops upstairs and downstairs in the hovel, in each boat and in the car. All documents are available on all of them, all of the time. And on my phone. 

 

The downside of course is privacy and security. If someone manages to hack my Apple account they will be able to read all my Craftinsure insurance policies and see just how much junk email I really get. Oh and log into my accounts package and see what a pittance I get paid for fixing a few boilers here and there...

 

 

[Tonka]

8 hours ago, MtB said:

 

And therein lies the problem. I bet it's months since you last did this!

 

With the Apple ecosystem, every document is continuously updated to the cloud and available on every device you have. I have laptops upstairs and downstairs in the hovel, in each boat and in the car. All documents are available on all of them, all of the time. And on my phone. 

 

The downside of course is privacy and security. If someone manages to hack my Apple account they will be able to read all my Craftinsure insurance policies and see just how much junk email I really get. Oh and log into my accounts package and see what a pittance I get paid for fixing a few boilers here and there...

 

 

And what about the cost

[MtB]

12 minutes ago, Tonka said:

And what about the cost

 

£2.99 a month.

 

 

[Tonka]

1 minute ago, MtB said:

 

£2.99 a month.

 

 

That's not including the buying of the apple devices

[Alan de Enfield]

8 hours ago, MtB said:

 

And therein lies the problem. I bet it's months since you last did this!

 

With the Apple ecosystem, every document is continuously updated to the cloud and available on every device you have. I have laptops upstairs and downstairs in the hovel, in each boat and in the car. All documents are available on all of them, all of the time. And on my phone. 

 

The downside of course is privacy and security. If someone manages to hack my Apple account they will be able to read all my Craftinsure insurance policies and see just how much junk email I really get. Oh and log into my accounts package and see what a pittance I get paid for fixing a few boilers here and there...

 

 

 

And now the UK govenrment has told Apple to relax its security and allow a 'back door' into the stored information there is uproar.

The US security services are looking to see how a UK company can 'control' a US company, and Trump has said that this will (could) affect the UK-US data security agreements and transfers.

 

Reuters

Feb 26 (Reuters) - U.S. officials are examining whether the UK broke a bilateral agreement by reportedly demanding that Apple (AAPL.O), opens new tab build a "backdoor" allowing the British government to access backups of data in the company's encrypted cloud storage systems.

Apple last week withdrew an encrypted storage feature for UK users, after reports that it had refused to create such a backdoor allowing access to messages and photos even for users outside the country. The Washington Post reported that Apple rejected such a demand by the British government.

 

 

The FT
Tulsi Gabbard has hit out at the UK’s demand that Apple build a “back door” in its iCloud security system, saying such a move would be an “egregious violation” of Americans’ privacy that risked breaching the two countries’ data agreement. Responding to a letter from Democratic Senator Ron Wyden and Republican congressman Andy Biggs, the US director of national intelligence said she shared their “grave concern” that it could allow British authorities to access Americans’ personal data. Gabbard said she had instructed lawyers and intelligence officials to investigate the matter.

 

 

Sky news

The CIA, NSA and multiple other US intelligence agencies have been asked to examine a reported request from the UK government for Apple to implement a backdoor in their encryption.

Edited February 27 by Alan de Enfield

[blackrose]

16 hours ago, BilgePump said:

Isn't the moral that we're all a bit lazy. We could print out and laminate docs easily once issued. That was what I used to do but got slack about it over time. This year everything is still just a number in a system on the cloud and an email that may or may not be accessible.

 

No I don't think it's about laziness, I only neglected to print out my insurance documents last year because I thought perhaps I was being a bit pedantic in doing so every year. Also, having our own copy of important documents whether digital or hardcopy, is only half the story because if your insurer doesn't have a record of your insurance then things aren't good at all. 

[Tacet]

2 minutes ago, blackrose said:

 Also, having our own copy of important documents whether digital or hardcopy, is only half the story because if your insurer doesn't have a record of your insurance then things aren't good at all. 

Your bank indicating a payment to an insurance company would be a good start should you lose all papers and digital records.