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Post by fish on Feb 17, 2023 12:11:50 GMT 12
I tried getting a quote from Pantaneious. They wanted my mooring piles surveyed (before they would quote), so they are definitely not 'happy go lucky'. That is before we got to rig inspections and what not. Noting that I am Gulf cruising and def not offshore, so a different market sector. Now, the irony for my bitching, in the last 3 weeks, 2 of the 'new' mooring piles have failed at the club in weather events. Maybe they do know what they are doing? That’s interesting as new boat will be going on pile moorings but 4 pole not two . They were replaced a couple of years ago and sleeved in Alkathene pipe to protect from worms . Are the weiti ones sleeved ? No, they aren't... |
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Insurance
Feb 17, 2023 12:59:00 GMT 12
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Post by Fogg on Feb 17, 2023 12:59:00 GMT 12
The company I'm with required no survey, they said in their experience it made no difference claims wise. They are underwritten by vero, and my boats over 30. It really depends on your broker, same policy underwriters have very different deals with different brokers. That’s v true. Having a good relationship with a broker who will argue your case (both in times of underwriting and claims) makes a huge difference. If you have more than just your boat through the same broker eg car & home, the broker is obviously even more motivated to argue your case with the insurer. |
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Post by ComfortZone on Feb 17, 2023 13:48:06 GMT 12
The company I'm with required no survey, they said in their experience it made no difference claims wise. They are underwritten by vero, and my boats over 30. It really depends on your broker, same policy underwriters have very different deals with different brokers. That's interesting Cantab, who is your broker? Your insurance is for a moored boat? I am thru Baileys who are selling Vero insurance and they are adamant that a survey is required and no boats older than 30 yrs. Your insurance is for a moored boat? |
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Insurance
Feb 18, 2023 3:41:27 GMT 12
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Post by GO30 on Feb 18, 2023 3:41:27 GMT 12
Companies would touch my classic without hoops costing more than is sane or reasonable.
Not all piles need sleeves, its more about what the pile timber is. Also most sleeves don't go deep so many are just window dressing. A good pile costs big bucks and they last very well. Sadly most people buying them buy on purchase price not lifetime cost.
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Insurance
Feb 20, 2023 9:06:31 GMT 12
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Post by OLD ROPE 👀 on Feb 20, 2023 9:06:31 GMT 12
Best insurance...
Common sense!
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Post by DuckMaster on Feb 20, 2023 13:55:37 GMT 12
Best insurance... Common sense! Oh sure, having "common sense" is all you need to protect yourself from unexpected disasters and financial losses. Who needs insurance when you can just rely on your good old common sense, right? Just use your amazing powers of intuition to avoid all those unforeseen accidents and natural disasters, and you'll be just fine. And if someone sues you for damages or injuries, just rely on your common sense to make it all go away! Who needs insurance when you've got common sense? It's the ultimate safety net... or not. Let's face it, common sense is no substitute for proper insurance coverage, and relying solely on it can be a recipe for financial disaster. Getting insurance for boats is becoming a major issue these days, and even basic maintenance like cleaning requires insurance coverage. To make things worse, marinas require third-party insurance, which could force some boat owners to sell their prized possessions. But who in their right mind is going to buy an uninsurable boat? Are we just supposed to scrap them? This whole situation is a total nightmare, and I for one am dreading it. |
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Post by chariot on Feb 22, 2023 11:23:21 GMT 12
Just received a quote from Mariner Insurance for a 48 year old GRP launch. Just made up information and specified design and engine age and hp. No survey undertaken.
The only condition was that I would need to provide a survey report with photos. The cost was about in line with my lotus 9.2 allowing for extra $ value. Note that I did not have racing cover.
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Post by ComfortZone on Feb 22, 2023 12:01:14 GMT 12
Just received a quote from Mariner Insurance for a 48 year old GRP launch. Just made up information and specified design and engine age and hp. No survey undertaken. The only condition was that I would need to provide a survey report with photos. The cost was about in line with my lotus 9.2 allowing for extra $ value. Note that I did not have racing cover. What did you finish up buying? |
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Post by chariot on Feb 22, 2023 12:21:36 GMT 12
Haven't bought anything yet. Just put a fictitious Corsair into their online quote system to see what it came up with. Hense, no survey provided and the condition added to application. Thought I would just see how easy it was to insure a launch of that age.
I had already talked to them regarding age of boats Re: insurance and they didn't seem too worried about being over 30 years old. My Lotus was 38 years old and they never required it to be surveyed after 30 yrs.
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Insurance
Feb 22, 2023 13:37:46 GMT 12
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Post by OLD ROPE 👀 on Feb 22, 2023 13:37:46 GMT 12
Soon we will need insurance to cover insurance.
Need to be able to sue like the US of A ..
That will clean everything up
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Insurance
May 6, 2023 17:01:25 GMT 12
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Post by Cantab on May 6, 2023 17:01:25 GMT 12
House insurance up 25%, worse than boat.
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Post by em on May 6, 2023 17:34:32 GMT 12
House insurance up 25%, worse than boat. Might have something to do with the weather being 25% worse than normal leading to 25% more houses being destroyed in the last 12 months . |
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Post by harrytom on May 6, 2023 19:02:35 GMT 12
Had renewal notices for 2 cars,premiums have gone up. But if I go online and do a quote seems by taking out new insurance with the same company I save around $55 per vehicle.
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Post by fish on May 6, 2023 19:41:39 GMT 12
House insurance up 25%, worse than boat. Is your house in a dodgy spot? Like flood planes, sea level rise, or slip prone (i.e. just about anywhere in Auckland)? Insurance Co's are assigning greater risk to those, hence greater cost. Or did you claim in the Anniversary Day floods? On houses, building costs have gone up moon-beams. If you have a replacement value policy, i.e. you get the same house back, then 25% doesn't sound too far off. (one year is a bit on the nose, but if you haven't checked your insurance cover for 3 years, a 25% increase would probably leave you under insured on rebuild cost). I have a fixed value policy (I think everyone does now after Chch where the replacement cost went through the roof and AMI folded because of their exposure). The other year when it was due I had a bit on, so just blindly increased the cover value by 25%. Last year when it was due I sat down and did all those building cost / rebuild calculators, and I came out at about right for the cost to demolish and replace my house, as is. |
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Post by fish on May 6, 2023 19:50:56 GMT 12
Had renewal notices for 2 cars,premiums have gone up. But if I go online and do a quote seems by taking out new insurance with the same company I save around $55 per vehicle. I actually insured both our cars last year. I always just self-insured my run about, it wasn't worth much and I had (past tense) the resources to put right someone else's car if it was my fault. Anyway, ditched my broker and went with AA. You get a 10% discount for multiple policies. But it is on BOTH policies. So I got 10% off the second car. Then, about a month later, they emailed me saying I paid too much for my first car's insurance, and credited my credit card for $60 something bucks (10% of the premium of the first car). How often does an insurance co give you money without asking? My broker never did that. I sorted it all online, and faster than getting the broker to fuck around with details. My current trick to save on car insurance is to get the highest excess I can. AA do $2,500. I use an agreed value policy, and up the value by $2,500. So if my car is a write off, I've not lost out. If I just have a little fender bender, I take the car to the panel beater and pay cash to fix it. For small jobs, it is loads cheaper and quicker fixing it yourself (like going direct to the panel beater). I've done it twice now. The insurance co admin adds loads of cost, that you end up paying for in premiums. In my view, insurance is needed for things you can't afford to loose. Like your house. I can afford a grand or two for a bent bumper, and it almost halved my insurance premiums. Loosing the missus's car (the fancy PHEV) would be a bit of a problem, hence it is insured. And with all these online calculators you can spend a rainy and windy Saturday night sussing how to save a few hundred dollars. So you can spend it all on your boat, of course... |
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