neale
regular
Reged: 30/05/2001
Posts: 872
Loc: Essex Mud and Solent
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Surely if everyone could avoid accidents by just' being careful' no one would need insurance at all. I for one like to know that other boats moving close to me in a marina are insured.
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nickrj
regular
Reged: 21/07/2006
Posts: 352
Loc: Long Island, New York
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Insurance is a business of statistics. If there were so many accidents happening all the time, premiums would be unaffordable, or the entire industry wouldn't exist...
Anyway, to counter my own argument, this morning I met a young German couple that dismasted in Biscay (not from a storm, just poorly installed stays) and had their boat towed, as well as being rescued via helicopter. This entire operation cost 22,000euros. Luckily they had insurance, and were only out of pocket 3,000euro for the premium...
n.
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My Blog, singlehanded from Europe to Australia http://www.bigoceans.com
Low cost environmentally conscious web hosting http://www.serversaurus.com
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PacketRat
regular
Reged: 20/05/2007
Posts: 37
Loc: Merseyside
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Quote:
no one would need insurance at all
No one does need insurance at all.
So far as I'm aware.
Robin.
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SAE140
regular
Reged: 18/01/2005
Posts: 116
Loc: Boston, UK
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Quote:
Quote:
no one would need insurance at all
No one does need insurance at all.
So far as I'm aware.
Robin.
Depends where. Many UK harbours/ marinas/ local-authority-run-slipways (& Nat Trust) now require insurance - even for dinghies - a case of 'em covering their backsides against possible legal claims. Some EU countries (Spain, ?Italy) threaten to prosecute if you enter their waters without insurance, or without an ICC. Dunno if this has actually happened yet. I'd rather have terrorists than damned bureaucrats, any day.
Colin
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Damo
regular
Reged: 22/02/2005
Posts: 2616
Loc: k keeper,Portishead
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"a case of 'em covering their backsides against possible legal claims"
No, not for that reason in a marina (though there is bound to be an element of that). Berth holders are paying for a safe, secure and convenient berth, and they need to know that anyone who rams them etc is going to be able to pay for the damage. The marina doesn't want to be sued for damages caused by someone else; fuel spillage could be a major environmental incident, and containment and cleanup of a tank of diesel could easily run into 10's of Łk's; and you wouldn't believe (or maybe you would !) the number of boats who drive off and drag the shore power socket after them, so why should a marina have to pay for that if the customer says he can't?
So the simple answer is: No Insurance? No Entry! 
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Never be at a loose end with the Yosemite bowline 
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PacketRat
regular
Reged: 20/05/2007
Posts: 37
Loc: Merseyside
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Quote:
No Insurance? No Entry!
My case is unarguable, but I'm sticking to it anyway. 
To be honest, I'm a hypocrite. I insure third party. I lack confidence in my seamanship abilities. 
Robin
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sterenn
regular
Reged: 15/03/2007
Posts: 187
Loc: Paris France
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Bonjour
Insurance is not a question of statistic but of risk mitigation.
You should be covered by an insurance for all the risks you are not able to cover by yourself.
Third party may be rare but very expensive! 
There are so little recommandations for the JAC that we may follow them !
Eric
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Pourquoi faire simple quand on peut faire complique ?
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benjy
new user
Reged: 12/03/2008
Posts: 3
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Ahoy All,
When we crossed the pond in '05 we thought about insurance but were refused right across the board, even Pantaenius. Not one company was interested in the make of boat or our experience. All they wanted to know was how long and how many aboard. Since we were two on a 24 footer we stood no chance. It annoyed me that the insurance companies will only take what looks to them good risks. I think this approach is disgusting. consequently, we left with no insurance, had a great time, didn't put one scratch on the boat and saved a ton of cash in the process.
Until the day that insurance companies start assessing the individual claim and stop relying on statistics it is very unlikely that I will bother with insurance. I think the whole thing a great big scam!
Insurance won't stop your mast falling on your head by the way. The best insurance is to take care of your ship and keep a good look out.
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sterenn
regular
Reged: 15/03/2007
Posts: 187
Loc: Paris France
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Bonjour
Insurance are : expensive , useless, stupid ,... before
but not after ! 
Eric
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Pourquoi faire simple quand on peut faire complique ?
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lumphammer
regular
Reged: 21/08/2003
Posts: 156
Loc: Chichester
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Agreed, Eric.
But like Benjy I have tried several insurance companies and none are prepared to offer any cover. So while my prefered choice would be to be insured for JAC 08, it looks like I will have to gamble that I won't need it.
Obviously, I can then shorten the odds in my favour by making sure the boat and myself are as prepared as possible.
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