| Only the foolhardy boat owner doesn't
| |
| | straightforward. You say where you are
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| have insurance, particularly some third
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| | going, how long the race is, and when you
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| party cover in case of personal injury or
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| | expect to finish. If you are going on an
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| property damage through accident or
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| | extended cruise the insuring company or
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| collision. The standard insurance form
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| | broker will want to know much more about
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| varies little from one company to the
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| | the vessel in terms of its internal and
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| other. You'll be asked questions about
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| | external ballast, whether it has a
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| the design, registered number if there is
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| | centerboard or lifting keel, what sort of
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| one, construction, type of motor, the
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| | self-steering it has, the type of
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| rig, what equipment and accessories are
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| | construction, and particularly the
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| on board, the sails, mast, standing and
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| | thickness of the topsides, deck, and
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| running rigging and so on.
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| | cabin top. There will be a number of
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| With motor boats you'll be asked details
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| | items covering radio call signs, the
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| of the engine, whether it is turbo
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| | color of various parts, the sort of radio
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| charged, what fuel it uses, and very
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| | sets and the frequencies on board, what
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| importantly, what sort of extinguishers
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| | radio watch schedule is proposed and more
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| are on board and when they were last
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| | details about the engines. These items
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| serviced. The insurer naturally wants to
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| | are needed in case a search has to be
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| be certain their risk is as little as it
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| | initiated.
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| can possibly be.
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| | The insurer will also want to know when
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| When it comes to accessories it pays to
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| | the vessel was last surveyed and have a
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| be very careful indeed to list all that
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| | copy of that survey attached to the
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| you have on board. List the serial number
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| | questionnaire. Very importantly, for
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| and sums insured on as many of the items
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| | extended cruising you will have to advice
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| as can be insured - items such as
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| | your itinerary. If you don't have one
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| personal effects, fishing gear, cameras,
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| | you'll need to define by latitude and
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| binoculars and transistor radios are not
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| | longitude the area in which you plan to
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| insurable. The equipment and accessories
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| | sail and advise the departure date and
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| cover actually applies mainly to safety
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| | the date of completing the voyage.
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| equipment required by statute and other
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| | The insurers will want some idea of the
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| equipment intended for safety use on the
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| | history of the vessel and the ability and
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| boat. The sort of items you can insure
| |
| | experience of the person in charge. This
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| are life- rafts, radios, radars, radio
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| | has a bearing on the premium. Insurance
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| direction finders, autopilots, depth
| |
| | is a competitive game, but it is best to
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| sounders, compasses, and even the dinghy,
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| | deal with a company which specializes in
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| the propeller, and auxiliaries if you
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| | marine insurance and so has experience.
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| have them. But if you intend to go more
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| | Evidence of insurance helps satisfy
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| than 200 km (124 miles) off the coast
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| | customs that the vessel is yours and that
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| you'll have to fill out a blue water
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| | you won't be a burden in their country. A
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| cruising or racing extension. This
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| | document proving insurance is very good
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| normally adds about 20% to the premium.
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| | prima facie evidence of ownership.
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| In the case of races it is
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| |
|
