Cruisers Forum

Join CruisersForum Today

Thread Tools Rate Thread Display Modes
Old 25-10-2011, 14:22   #1
Registered User

Join Date: May 2011
Location: Aigina, Greece
Boat: Bavaria Vision 44
Posts: 88
Send a message via Skype™ to Kojiro
Insuring Boat When on the Hard

Just a general question about what people do or think regarding insuring ones boat when it is being stored on the hard for winter.

I guess the chances of damage are remote, nothwithstanding lifting and putting it on ther hard.

Maybe the marina would be liable for damage during that process?

If so then maybe not worth carrying full marine insurance until you put it back in the water again and get sailing?

Any thoughts, advice?

Kojiro is offline   Reply With Quote
Old 25-10-2011, 14:30   #2
Senior Cruiser
Vasco's Avatar

Cruisers Forum Supporter

Join Date: Apr 2004
Location: Toronto
Boat: CS36Merlin, "La Belle Aurore" Ben393 "Breathless"
Posts: 6,819
Re: Insuring boat when on the hard

My boats are on the hard 6 months out of every 12. There is no break on the insurance. The policy is for 12 months and you have to pay the full amount.

Rick I
Toronto in summer, Bahamas in winter.
Vasco is offline   Reply With Quote
Old 25-10-2011, 15:37   #3
Registered User
S/V Illusion's Avatar

Join Date: Oct 2007
Location: Lakewood Ranch, FLORIDA
Boat: Alden 50 in Narragansett Bay, RI
Posts: 1,533
Re: Insuring boat when on the hard

Is is worth the chance you take? Insurance underwriters write annual policies. You can cancel it at the beginning of winter and game the system but why take the chance? The next step in a logical progression here would be to cancel during the week and only have insurance on Saturday when you take the boat out. Silly but that's what you'd be asking your insurance company to allow.
S/V Illusion is online now   Reply With Quote
Old 25-10-2011, 17:00   #4
Registered User

Join Date: Jul 2006
Posts: 3,949
Re: Insuring Boat When on the Hard

Theoretically, your insurance will take into account your seasonal lay up period--boats that are only used 6 months will cost less to insure. There is insurance for boats that are in lay up longer term that you can get also. In other words, if you plan on leaving your boat out for a year or two you should look into getting the lay-up-only insurance.
Kettlewell Cruising
Kettlewell is offline   Reply With Quote
Old 25-10-2011, 17:55   #5
Registered User
Sailagain's Avatar

Join Date: Apr 2011
Location: Bristol, RI
Boat: Beneteau 34'
Posts: 153
My marina requires insurance when in storage

Your boat could fall over - or be damaged due to bad weather (lightning strike??)

I know some marina have contracts saying you are responsible for insurance and they are not liable for any damage caused.

Just because you are on their property doesn't mean they are responsible for anything other than gross negligence (ie if they drive a forklift into the side of your boat). There are plenty of things that could go wrong.

Now if it's a low cost boat and you only have the insurance to cover you in case you do damage or injury to someone else or their property - that might be different issue.
Sailagain is offline   Reply With Quote
Old 26-10-2011, 09:25   #6
Registered User
SabreKai's Avatar

Join Date: Sep 2008
Location: Toronto, Canada on Lake Ontario
Boat: Roberts Offshore 38
Posts: 1,286
Images: 5
Re: Insuring Boat When on the Hard

As with Vasco, my policy is for 12 months, and REQUIRES a 6 month lay up period. Besides, my club also requires insurance full time for liability just in case some darling juvie climbs on board over the winter and falls off, breaking various bones. Personally I figure if he climbs up where he obviously has no right to be its his problem but the lawyers all seem to disagree in our "its not my fault" society.
SV Sabre Dance, Roberts Offshore 38
SabreKai is offline   Reply With Quote
Old 26-10-2011, 12:22   #7
Registered User

Join Date: Dec 2008
Location: Oriental, NC
Boat: Mainship Pilot 34
Posts: 1,429
Re: Insuring Boat When on the Hard

When you buy a real marine policy (as opposed to auto insurance companies that also insure boats) the insurance company will ask what layup period you want and they will usually quote a lower price if there is a significant layup period, say 4 to 6 months out of the year.

This doesn't mean that you don't have insurance during this period. You do and it will satisfy your marina. But the risks of hull or liability loss are much less during the layup period and so they will give you a lower price.

This is SOP in the northeast.

djmarchand is offline   Reply With Quote
Old 26-10-2011, 12:26   #8

Cruisers Forum Supporter

Join Date: Apr 2006
Posts: 12,077
Re: Insuring Boat When on the Hard

"Maybe the marina would be liable for damage during that process? "
Check your storage contract, the odds are that maybe the marina says "Not our problem".

hellosailor is offline   Reply With Quote

on the hard

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Are You Scared of Wood ? CharlieCobra General Sailing Forum 116 18-03-2013 16:45
Intelligent Discussion on Ferro ssullivan General Sailing Forum 171 15-12-2012 16:31
Boat Buying advocate777 Monohull Sailboats 8 28-09-2011 16:03
Does 'this' Sound Like a Good Deal ? cardude Powered Boats 24 28-09-2011 10:59
A Little Boat marcodnn Our Community 72 15-09-2011 13:10

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities

Copyright 2002-2015 Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 15:32.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.