Insurance Policies

[sooz]

Hello, us again =/

 

Having looked through the forum we've failed to find a thread to provide us with quite the information we need, so another new one it is, I'm afraid.

 

We're in the process of getting some narrowboat insurance quotes, but I wondered what sort of things we might specifically be wanting to look out for in the policies (or indeed, what will they try to catch you out on?). I can't think of much offhand, but what's important to us would be optional breakdown cover (full of confidence, of course!) and any wording on the passenger limit - we're looking at a 6 berth 55", but there are occasions when we would want to take another family away with us and chuck a couple of roll mats down for the kids so would want to be able to take 8 people once in a while (4 big grownups, 4 tiddly child-type things).

 

Other than that (and probably because it's late / early) we can't think of much else, so any advice would be appreciated.

 

Many thanks =]

[novascotianboy]

Hello, us again =/

 

Having looked through the forum we've failed to find a thread to provide us with quite the information we need, so another new one it is, I'm afraid.

 

We're in the process of getting some narrowboat insurance quotes, but I wondered what sort of things we might specifically be wanting to look out for in the policies (or indeed, what will they try to catch you out on?). I can't think of much offhand, but what's important to us would be optional breakdown cover (full of confidence, of course!) and any wording on the passenger limit - we're looking at a 6 berth 55", but there are occasions when we would want to take another family away with us and chuck a couple of roll mats down for the kids so would want to be able to take 8 people once in a while (4 big grownups, 4 tiddly child-type things).

 

Other than that (and probably because it's late / early) we can't think of much else, so any advice would be appreciated.

 

Many thanks =]

 

Are you Continous Cruising/liveaboard? We are - and had to declare this. It wasn't a problem and didn't change the premium. We also made sure we had our contents insured - I think some cheap policies don't cover contents, just the cost of the boat (i.e. like home insurance covering just the building).

[john6767]

On the number of passengers, I would have thought that would be governed by the boat manufactures plate, and that the insurance would cover whatever that says?

 

 

Questions that I asked of insurers were about travelling at night, and towing/being towed. Some were full of caveats in those areas, and other were, "that's fine".

[jelunga]

Navigators and General (Zurich Ins boaty branch) do a good policy, esp for liveaboards. No restrictions on nightime cruising, covers estuaries connecting inland waterways, would even cover Thames Est to get to the Medway.

I have a new claim with them at the moment for my stolen brand new bicycle. I will report how good they are at settlement!

[Grace and Favour]

Navigators and General (Zurich Ins boaty branch) do a good policy, esp for liveaboards. No restrictions on nightime cruising, covers estuaries connecting inland waterways, would even cover Thames Est to get to the Medway.

I have a new claim with them at the moment for my stolen brand new bicycle. I will report how good they are at settlement!

 

Oh dear - - - - - you bicycle wasn't stolen from your Sawley location was it?

[jelunga]

Oh dear - - - - - you bicycle wasn't stolen from your Sawley location was it?

Yep. Week old. Security cable to storage bunker. Cable cut clean thro. Road travellers parked in road. Hole in hedge abd febce cut. Really peed off.

[Emerald]

Our policy doesn't cover the contents of our boat when I queried this with the broker this appears to be quite normal for boats something I am hoping to remedy on renewal date if I can find a company that will insure us?

[ditchcrawler]

If you are live aboard if it pays for accommodation while your boat is being repaired. My friends didn't and they had to pay for accommodation while there boat was being repaired after being hit by a JCB

[Paul C]

We bought an insurance policy from E&L because it was a good price. Only after reading the small print, did we find that there was a clause which meant the boat wasn't covered for break-ins for longer than about 3 hours, if it was left unattended anywhere except its home mooring (marina). Obviously this might suit some, but for us was perceived as a restriction too far!

 

So we cancelled it for a full refund (it was online, so this was no hassle) and got some from GJW. This also has a few restrictions, one of them is no single handing at night, but we can live with these.

[mg1]

hi there i am looking for just a contents insurance can anyone advise

[Athy]

We are with Collidge & Partners. They seem good. Worth investigating.

[ditchcrawler]

I think the problem will be trying to get a policy to cover the contents without one covering the boat. Maybe talking to the boat owner to see if the two can be combined may be the answer.