Originally Posted by Lizzy Belle
Here in the Netherlands
, you pay full price
when you have 0 experience and get a (small) discount for every full year you make no claim. Doesn't matter if you've ever seen a boat before
Just as long as you don't go off shore, you'll be insured.
Edit: actual experience isn't even the point; just not claiming is. Which is easy when you're tucked away in a marina
Despite that most of your sailing/cruising damage will come in marinas! In 28 000 Nm of my cruising, marinas
are the place for sailing damage.
Storm seas & protracted gale force winds, have nothing on a marina...the more protected the marina, the worse your risk, (As safe marina's attract the most insecure/worst skippers.)
Your worst sailer enemy is a weekender, on a am 8 a.m. to 5 p.m. mindset, who booked & planned "this particular weekend" five weeks ago or longer!! (i.e. hasn't learned that wind
, tide & weather
are the cause to schedule & plan your sailing.) They'll crash into you boat, foul your anchor
chains, spill paint
on your boat, burn out your electrics, never replace anodes, drop your mooring
lines, drop spars on your deck
, smash your solar panels
, foul your boats sides, rip your balustrades from your deck
and other evil deeds!
The first thing they want to do, too, is sue... YAWN!
Enemy number two are charter
boats & their holiday skippers. Also with a 'schedule', alcohol, plenty inexperience & attitude! Make sure that you anchor
far away from any charters boats, and give them the widest possible berth, in channel, or tight passage! Be alert to which way they're likely to drag, or slip themselves inadvertently from their anchors (usually at about 2 a.m. at dog watch & later)
liability was explained to me in this way.
You are boat B, never sail, liveaboard
, so no real sailing risks.
Boat A your neighbour to your port side catches alight, and your boat & boat C your starboard neighbour are all burnt down to the waterline.
Boat C's insurers will not pursue an action against boat A (the cause of the fire), but against you, and your resultant liability then passes through you onto A.
A liability chain ...
This is certainly not in your interest, nor less convenient, but it is in the interest of the insurers.