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Fire insurance

charliemcsnarly

By charliemcsnarly
in General Boating

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Alan de Enfield Veteran II

Alan de Enfield

Posted
Posted

No.

But rather than trying the usual 'internet' brokers who are generally just tick-boxes and anything out of the ordinary is a straight NO, try a few 'proper' marine boat insurance brokers who you can have meaningful discussions with.

 

A couple I have used are :

Porthcawl Insurance Brokers tel : 01656 784866

GJW ("The UKs largest Direct Boat Insurers") 0151 473 8000

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Athy Veteran II

AthyDonate to Canal World

Posted
Posted
2 minutes ago, Naughty Cal said:

Why not just ask for someone who offers fully comp insurance without a survey though?

Perhaps the O.P. is seeking a lower and more economical level of insurance, comparable with "Third party, fire and theft" for cars.

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Arthur Marshall Veteran II

Arthur Marshall

Posted
Posted

If you just want insurance without a survey, the Basic Boat Co does 3rd party (which also covers wreck removal if you sink). If you caught fire, you;d probably sink too... it's adequate for a "holiday" boat. I would imagine if you live on it, you'd always want fully comp though.

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Jrtm Experienced

Jrtm

Posted
Posted (edited)

I can see his point for wanting it.

There are time when it would be usefull.

Most policys dont actually cover as much as you think. Non cover for damage from neglect or lack of maintenance.

But if you say have a boat and you get told by survey you need 1 side fully replating lets say comes to 5k but you cant aford that you only have 3k and will take you 7 months to get the 2k needed you cant the have fully comp as your survey says you need work.

Your only option is 3rd party

What if some nice chap come along and decides to set your boat on fire your not covered. At least if they did fire cover you can rest easy that your boat is safe from others.

Yes it dosnt help with other claims you could make but on an honest note how many of you would go to 3rd party & fire cover.

I for 1 would happly have 3rd party &fire rather than fully if it was easyer to get.

Read your fine print on a fully comp most engines gearboxes arnt covered, you sink coz you hit something and broke a seam as it was thin but ok for servey your not coverd unless you lie about how you sunk, you set fire to your boat as you had the stove on and the curtain when you left rests againt the stove guess what your not covered if they prove it was negligence. It will cover you for quite a bit theft ect but some boats are left with nothing in them. Some boats are fairly basic inside even a modern or old working boat with fully open hold and just a back cabin are fairly empty so not much to steal and most of the time are watertight so the worst that can happen is fire.

Edited by billybobbooth
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