1. Do moorings make a difference to an Insurer?
Yes moorings are very important to your policy coverage, always ensure you update your mooring details on your policy.
2. Can I keep my boat on dry land when not in use?
Yes this is not a problem and would be noted on your policy for you.
3. Should I have a survey done when buying a second hand boat?
In most circumstances our Insurers do not require a survey however for your peace of mind it is always advisable to obtain a survey to ensure your proposed purchase is conducive for its use, your safety at sea is the most important thing.
4. What type of survey should I have on my boat?
Most Surveyors offer various levels of survey from a full intense on land survey to an in water survey to save on the cost of having vessel lifted and stored on land.
5.What if I can't get insured for the whole trip?
Our Insurers offer world-wide coverage, all we need is your proposed 12 month cruising itinerary, however this can be changed at any point in policy period by contacting our offices.
6. Is boat insurance necessary?
Certain Marinas insist on at least third party liability, others do not require this, it is your decision as to the amount of coverage you require for your peace of mind.
7. Who can drive my boat?
You as the policy holder will be named on policy however any one can use your vessel with your permission, subject to age restrictions on speed boats, jet skis, local legislation etc.
8. Can I amend the total sum insured at any time?
You can adjust your coverage at any stage during policy period, you can increase cover or in some circumstances reduce cover.
9. Can I transfer the policy to the new owner when I sell my boat?
On the sale of a vessel the remaining policy can be transferred to the new owner or to a new vessel if you are planning on a purchase.
10. Can my boat insurance be in joint names?
Your policy would be in the names of the owners of the vessel as the owners have a financial interest, you can also have additional interest if you require further names on policy.
11. Can I add another boat to my insurance policy?
You can have up to five vessels on one policy, your policy would be issued with an endorsement showing the details of each vessel.
12. How do I cancel my policy?
This must be done in writing to ensure there are no errors in cover, you can e-mail, send via online chat of via the postal system.
13. Are there any types of boats you don't cover?
At this stage we have not found any vessels Insurers are not able to cover.
14. Is there a maximum number of passengers allowed to travel on the boat?
Your vessel will be subject to maximum passengers as per the manufacturers details.
15. Are there any restrictions on my cruising range?
Our Insurers offer world-wide cover, however your cruising range must always be updated with ourselves as this is a material fact that is displayed on your policy.
16. What is the limit on Third Party Liability?
This differs dependant on the country you are cruising and will be displayed on your policy.
17. Can I lend my boat to friends?
Your friends may use your vessel with your permission subject to age restrictions on speed boats, jet skis, local legislation etc.
18. I have changed my address and/or contact details
Please either contact our offices on the telephone numbers provided, drop us an e-mail or send via our online chat.