As A new owner I have joined the owners Association and was surprised that among the mass of discussion there does not appear to be a preferred Insurance company on board that provides favourable premiums for members or am I being premature? Please if anyone is in the know before I begin the trawl. Also is there now no dealer in the UK with stocks for the Mac? John
Sun, 02/11/2014 - 5:47pm
#1
Trailer Sailer Boat Insurance
Hi John
There's not a really a one-size-fits-all for insurance, which would make it difficult to recommend an insurer to everyone.
Personally, I use Bishop Skinner, they have a good policy and are very helpful, and offer a discount for RYA members (which I am).
It's important to make sure the boat, trailer, and outboard, are separately itemised with appropriate values. Also any other substantial pieces of gear such as a tender, and its outboard, etc. All these items are separately attractive to thieves and you don't want to end up arguing a claim about how much an item was worth if it's all lumped into a single sum.
If you're going to be towing any distances, also make sure you have breakdown insurance that includes recovery of the boat on the trailer should it be necessary.
Rick Jones (Treasurer), former 26X & 19 owner, Isle of Wight
I am with Saga because I am old enough.
Premium seems reasonable.
Simon Armitage
Sowenna (26M)
East London
GJW have always given me good service but I note my premium of over £300 is a lot more that under £200 quoted to Rob Phillips who recently bought an M of the same age.
There may be some new client deals.
Roly Simpson
Once again many thanks for your valued advice. I'm getting to feel I know you already. John
All sound information many thanks John
Thank you very much for your independent information and advice. I shall follow up on all of the named providers. I simply thought that there might be benefits from group purchasing power through the association. Just a thought that an insurance agent might be well placed to achieve this collective purchasing power. I guess I am not the 1st to consider this? John J
I also insure my 26x with GJW.
Although they are very specific on the dates at which I am based in a marina or ashore in a lock up, I pay £133.00 per year fully comp.
I also put my first claim in this year, in a life time of boating for a broken, half missing center board.
They passed the claim immediately without question. However, it will be interesting what the premium will be in 2015.
Very interesting Robert. I am sure will all benefit from knowing the effect if only to show them that we have a collective interest when it comes to renewal! many thanks John
I was with G.J.W. but moved to BISHOP SKINNER/BLUE FIN. Had good service and reasonable premiums.I also like the fact that a portion of the premium goes to the R.N.L.I.- this reduces my own donations, but I still buy the full book of lottery tickets.
My current premium for my marina berth is £274.50 inc o/b motor and trailer.I do think it would be a good idea if we got a quote for a quantity block insurance if possible.David Phillips.
Ok David That's all very helpful. As a member of only a few days standing I will look with interest how the MAc Owners Association works and hope to meet lots of fellow boaters. Many thanks John
Over the years there have been a number of attempts to arrange insurance for Members but as everybody has different sums assured & different risks to be covered it never went anywhere.
About 10 years ago I arranged a flat 10% discount for the MOA with Haven Knox Johnson but it was still more than I was paying for my 26X with Saga where my current premium is £143.10, virtually unchanged since 2003.
Stephen Hinde
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