Insurance limits

[Sinbad]

Hi all,

Just renewed my Policy with Knox Johnston.....

 

When I originally took the policy out, the schedule mentioned Coastal waters only - I presume this is 12miles limit ?

 

I'm going to check when I can with the insurer.... but how many of the boats planning their first passage to Alderney have a similar clause?

 

maybe its to do with the Cat Rating of the vessel, is this correct ?

 

Any thoughts wellcome as usual...

 

Regards

 

Paul

[Barney]

When i took mine out in october for a warrior 165 it had a 12 mile restriction, after a phone call they extended the range to 20 mile from land with some restrictions

favourable weather forcast, Auiliary engine or buddy boat. channel islands excluded

[Adam F]

Same here - I think the usual for our type of boats is inshore waters up to 12 miles.

 

Porthcawl updated mine to cover the channel islands at no extra cost.

[TomBettle]

Paul

 

Your insurance company will be working to the old CE regs which were effectively offshore and inshore.

 

CE regs work differently now and are based on sea and wind conditions.

 

Your boat, for example, is CE Category C.

This means she is capable of being safe in winds of up to force 6 and wave heights up to and including 2 metres.

 

Marsel, for example, is CE Category B.

This means she is capable of being safe in winds of up to force 8 and wave heights up to and including 4 metres.

 

In both cases, either boat would be very uncomfortable, but driven well they will keep you safe.

 

The insurance companies haven't yet caught up.

 

Most boat insurance companies have to policies for sea going boats up to CE Category B.

 

1) Inland and Coastal

90% of us will have this policy

 

2) English Channel, Brest to River Elbe

Those of us working the mid channel wrecks and venturing over to the other side should all have this policy.

 

Tom

Edited February 4, 2009 by TomBettle

[great white]

Good point Paul

 

Thanks for bringing it up

 

The other point for boats going accross, is check you have the right safety equipment. etc

Some of our Yachties get caught every season.

 

You may need to be aware that as you are so close to mainland france, The french are very keen on some things, and like instant fines so conform to their rules.

 

Ie be SSR registered

Canrry no out of date flares onboard

Have no spare red diesel onboard in containers

Carry all documents in date onboard including proof of ownership.

 

Charlie

[Adam F]

Ie be SSR registered

Canrry no out of date flares onboard

Have no spare red diesel onboard in containers

Carry all documents in date onboard including proof of ownership.

 

Really? I'd fail on every count then. Not SSR registered - dont intent to be?!?!

 

Last years flares carried as per RNLI recommendation until current ones expire

 

For a long trip, at least 25 ltrs of spare fuel (so can you have white onboard?)

 

What would you need for proof of ownership? What if you built it like we did - all reciepts?!?! Crazy EU...

[TomBettle]

Proof of ownership would normally be a purchase invoice showing VAT paid on first purchase.

 

Your Hull and Engine Invoices should suffice. Copies are usually ok.

 

Normally you would also need:

 

Builders Certificate from the boatyard to the dealer or first owner

Chain of title (Bill of Sale for each previous owner) to the current owner

Declaration of Conformity (CE certificate).

 

Have no idea what you guys would need, but suggest a quick call to teh MCA to find out.

 

I didn't know you had to be on the SSR and thought that was only if the boat was to actually go into a French port (or possibly actually take a mooring in a French port????).

I didn't know about the red diesel thing either.

Odd one that, I certainly won't "not" take extra fuel with me as I always want to have enough to be safe.

[Maverick Martin]

SSR registration just in case you have to call into a french port, I believe you need it for channel islands as well but that said I have never been asked for proof. Awol is ssr registered. I also dont' have the orginal bill of sale from new but do have the invoice from who I purchased the boat from so will look into that.

 

Also should your engine play up, don't forget a complete set of belts, filters oils etc for running repairs . My engine importer do packs of vary degrees right up to a transatlantic pack that I'm told consists of an almost complete engine I won't be taking that one.

 

Martin

[great white]

Just to Clarify

 

I ran the list past a very experianced cross channel Yachty who works with me at the Club.

He also fitted out his yacht, and goes to france several times a season.

 

It was just in case.

If you had an engine problem at the top of alderney race you could easily be carried towards france and rescued by someone who takes you with tide towards cherbourg rather than beat against it to Alderney.

 

French authorities would want to see; [ and I know yachties that have been asked for]

 

Proof of ownership and VAT paid, major bills cover this and I carried copies of the biggest 5 for alfresco, mouldings, engine, windows, rails, etc

 

Passport

 

Fuel if you are going in to a french port with spare diesel in transportable tanks it has to be white diesel.

 

SSR registered and number shown [Mine is yet to go on, oops]

 

you get an on the spot fine if they find out of date flares on board

[ Dont panic Gordon, I didn't mean your trousers ]

I left my recently expired ones at home and put them back on when I got home.

 

Its down to you guys, nobody at the Club is going to insist. certainly no intention of mine to get over zelous, just passing on tips that I recieve from people who know.

 

Charlie

 

 

[Sinbad]

Take it easy! it was only a simple question!!

 

 

Still, born out of hard won experience - so thanks chaps.

 

Paul

 

 

So charlie, you wear out of date flares at home????

Edited February 4, 2009 by Sinbad

[great white]

Take it easy! it was only a simple question!!

 

 

Still, born out of hard won experience - so thanks chaps.

 

Paul

 

 

So charlie, you wear out of date flares at home????

Of course I do Paul

 

Charlie

[TomBettle]

Take it easy! it was only a simple question!!

 

 

Still, born out of hard won experience - so thanks chaps.

 

Paul

 

 

So charlie, you wear out of date flares at home????

He was wearing them in my office yesterday....

 

I'd be knackered on the SSR registration.

Pretty sure I comply on the rest (red diesel aside as I will always carry spare - will now remember to stick it in the tank when under tow!)

[Rob]

 

Can't you just tuck those flares away on the sly if you get in to an issue with the French authorities?

 

Any how - if they take you to Cherbourg I expect you will find the fishermen and farmers blocking the port!!

 

R

[Mike Fox]

We were boarded by 3 armed French Customs officers 2 summers ago in Cherbourg, and saw them in several different ports that summer.

 

The asked to see original bills of sale, insurance, SSR, passports, and any other certificates I had.

 

They are entitled to search the boat from end to end (but didn't).

 

While on the subject of insurance, do look for the phrase "reckless endangerment", which can mean almost anything the insurance company thinks might be appropriate to contributing to an accident, in the event of a claim. Have mentioned this before, but do check. Think RCD category and conditions/distance off, training/certification, and appropriate safety gear.

 

Mike

[Adam F]

SSR registered and number shown

 

Joint Venture is now registered. Easy peasy and only

[great white]

Thanks Mike

 

That's the stories I hear a lot in my office.

 

Well done Adam, I thought you would when you realised how painless it is,

[Now where did I put that sticker?? ]

 

Charlie

Edited February 5, 2009 by great white

[Adam F]

Just need to order the stickers now.

 

Is there a size limit and a certian positioning that they need to be?