Setting Sail – Boat Insurance

It’s easy to get overwhelmed by all the jobs that need doing before the season starts, so we thought it might be useful to list eight de-wintering tasks that can easily get forgotten about.

  • Give your topsides some attention. After giving your boat a thorough wash down to get rid of any mould and algae that’s built up over the winter you should remember to apply a protective wax to your topsides. If your topsides are painted or a dark coloured GRP, it’s worth investing in a wax which contains UV protection. This will help to slow down colour fade.
  • Check your anodes have enough life to last until the next haul out.
  • Ensure your batteries are charged.
  • Service your lifejackets. Don’t risk them failing to inflate when you need them most.
  • Check your flares are in date.
  • Winches – these should be serviced annually. There are plenty of YouTube videos to show you how to do it yourself, or get your local service agent to carry it out for you.
  • Purify your water system & tanks
  • Check your seacocks

If you have any questions about boat insurance please contact your Account Executive or Account Handler or alternatively reach us a [email protected] | 0131 553 2293

10 reasons to have Boat Insurance

Perhaps we take care of your household insurance, but not your boat or yacht.  We would be delighted to offer you a quotation and even tie it in with the same renewal date as your household and other insurances in order to keep insurance renewals down to just a ‘once a year occurrence’.  Our preferred insurer is Haven Knox Johnston, part of MS Amlin Underwriting Services Limited who have provided the following 10 reasons to have boat insurance:

Boating should be fun… but can prove very expensive if you’re not properly protected – so there are plenty of very good reasons for having the right boat insurance.

  1. Many marinas and inland waterways require that you are insured before you can launch or moor.
  2. Even if your boat is of little value and you’re prepared to take the risk of its loss it can still cause serious and expensive damage to other people, other boats or property.
  3. Third party cover protects you against potential financially crippling personal injury or damage claims which can bankrupt the uninsured.
  4. Insurance can protect you against the major costs to recover even a small boat if it sinks on a mooring or in a harbour.
  5. Your motor insurance doesn’t cover damage to your boat if it’s trailered. Check that you’re covered for towing.
  6. Insurance can be tailored to ensure you get precisely the protection you need without paying for cover you don’t want. A specialist boat insurer or broker will be best placed to help you.
  7. Taking a boat on the Continent often requires compulsory insurance. Check the requirements of your destination.
  8. Boat insurance can also cover you against loss or theft of personal possessions whilst on board.
  9. If you require finance to help fund the purchase of a boat your bank will want to be satisfied that you have appropriate insurance.
  10. If you’re thinking of buying a boat you can arrange insurance well in advance to avoid any last minute hitches.