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Post by ianpowolny on Feb 18, 2016 11:37:22 GMT
After working the numbers we have decided to stay with Bluefin - Bishop Skinner Marine.
As RYA Gold members we get enhanced benefits.
With the hull at £125k, personal effects £2500, dinghy and outboard £1100 and life raft £1200 plus legal cover. Excess is £450 for the hull and machinery and only £100 for the rest. The premium is coming in at £651.60. This allows us to sail the Atlantic Coast of Spain and Portugal and to 10deg east in the Mediterranean.That will be sufficient for this season and I’m sure we can change to the Atlantic Islands if we need to.
One reason we are staying with this group is the professional way we were treated by them when we ground and lost our life raft in 2015 (not at the same time). Their advice saved us a lot of money and paid for most of the new life raft.
Ian
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Post by Quiddle on Mar 7, 2016 9:31:42 GMT
One thing to be aware of with policies is whether they cover consequential loss. AFAIA, only 2 UK policies do: Pants and Y Insurance. Without this cover, if for example, a seacock fails, you are only covered for the damaged seacock, not the loss of the boat should it sink. I found this hard to believe and discussed it at renewal with my previous insurer, GJW, who had given good service. Whilst they said they would be "sympathetic" in the event of such a claim, they agreed that this is the case. I wanted more assurance than this and switched policies. There is a long thread on this matter on another forum with contributions from people who know a lot more about insurance than I.
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Post by On y va on Mar 11, 2016 16:25:02 GMT
One thing to be aware of with policies is whether they cover consequential loss. AFAIA, only 2 UK policies do: Pants and Y Insurance. Without this cover, if for example, a seacock fails, you are only covered for the damaged seacock, not the loss of the boat should it sink. I found this hard to believe and discussed it at renewal with my previous insurer, GJW, who had given good service. Whilst they said they would be "sympathetic" in the event of such a claim, they agreed that this is the case. I wanted more assurance than this and switched policies. There is a long thread on this matter on another forum with contributions from people who know a lot more about insurance than I. @quiddle: I have my insurance via a UK agent with Allianz and they cover consequential loss. I sort of knew anyway this sort of incident would be covered, but just for fun I asked the question about the failing seacock and the consequencial sinking of my boat, exactly as u stated in your post. And, as expected, it is covered. However, if a seacock failed due to lack of maintenance and is completely corroded away and you have left it open in that state.....I am sure any insurer will make quite a fuzz. As proper maintenance is expected by the owner. This is one of the reasons that when I leave my boat for longer than a few days, I close ALL seacocks. Just for the insurance (and leave a note on the kitchen work top "engine seacocks closed"). But, it is a good point Quiddle has made and it is worth just getting this verified with your boat insurance and ask exactly the example Quiddle stated in his post about the a failing seacock sinking the boat, as we all know insurers love to sell you something, but hate to pay out.
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Post by Don Reaves on Mar 11, 2016 21:11:30 GMT
I also close all the seacocks when leaving the boat. But rather than leaving a note on the counter, I hang the engine key on the handle for the engine seacock. It's pretty hard to start the engine without noticing that the valve is closed.
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Post by sitara on Mar 12, 2016 5:01:39 GMT
Tru Design has seacocks with switches built in so that the ignition system will not work if the engine seacock is closed, expensive but... worth it?
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Post by On y va on Mar 12, 2016 12:08:43 GMT
I also close all the seacocks when leaving the boat. But rather than leaving a note on the counter, I hang the engine key on the handle for the engine seacock. It's pretty hard to start the engine without noticing that the valve is closed. don Reaves , true and very smart.....in your case (and mine).....but most newer engines have start buttons now! sitara..... clever, but I would not want this. Anything electronic like that....not a good feeling about it. I had one of my clients with an Oyster 56 where the toilet OUT seacocks were electronically controlled.....till they stopped working and buckets had to be used. I would find an engine cooling intake too important to make that electronic. But...that is my view. To limit problems in case I should start the engine with a seacock closes, I have fitted the impeller housing plates from Speed Seal Life,which gives me some "play" time before I notice there is no water coming from the exhaust.....
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