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Old 15-07-2016, 18:51   #16
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Re: insurance without a survey

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Originally Posted by waterman46 View Post
There's a lot of posts here that omit one important piece of information, which is, what are the geographic limits of your policy?
I said the thing earlier in the post...

People like to hear themselves talk and don't read the previous posts...

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Old 16-07-2016, 15:41   #17
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Re: insurance without a survey

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Originally Posted by Paul L View Post
Not getting a survey might bite you at claim time. All policies have some clauses requiring the vessel to be in seaworthy shape. It is much easier to defend that with an independent third-party survey that the insurance company has already excepted.
that might be a US thing.
My insurances never asked for surveys. they only require damage surveys after any incidents.
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Old 16-07-2016, 18:31   #18
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Re: insurance without a survey

I'm in the U.S. and I've been asked to get a survey I think once in my last 7-8 boats. I really think it depends on the insurance company your dealing with and the one company that asked me for a survey turned out to be. very expensive so we didn't use them.
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Old 17-07-2016, 09:11   #19
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Re: insurance without a survey

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Originally Posted by rabbi View Post
that might be a US thing.
My insurances never asked for surveys. they only require damage surveys after any incidents.
I think you missed the point. Most policies, including the Lloyds policies, have clauses that require that the boat be in seaworthy condition. If an incident occurs after you get insurance without a survey, it may be easier for the insurance company to deny a claim based on unseaworthiness if there is no independent third party survey.
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Old 17-07-2016, 10:29   #20
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Re: insurance without a survey

Some insurance companies offer insurance without a survey. They are probably the same ones that offer life insurance without a medical. Good luck with that.
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Old 17-07-2016, 13:17   #21
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Re: insurance without a survey

PaulL I think it'syou thats missing the point! We are saying we have insurance that did mot require a survey, we have also had claims on those policies that were promptly paid by the insurance company. Also my rates have not gone up! I think you need to get a better insurance company,
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Old 17-07-2016, 16:00   #22
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Re: insurance without a survey

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Originally Posted by lesterbutch View Post
PaulL I think it'syou thats missing the point! We are saying we have insurance that did mot require a survey, we have also had claims on those policies that were promptly paid by the insurance company. Also my rates have not gone up! I think you need to get a better insurance company,
I said it was a risk,not that it happened to me.
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