I know different places have different rules but . . . .
We were insured through Club Marine
and they had a fistful of rules that we were unable or unwilling to comply with. So we changed our insurer, they had a different set of rules that we didn't like but when we logically challenged them, they capitulated and provided the required cover.
I struggle to see why an insurer would have a problem with a "permanently" anchored vessel that has someone "permanently" living on it. When anyone goes out sailing, their boat may be left on anchor
for periods of 12 hours or more unattended and there is no problem with insurance
. We routinely leave our boat on anchor
and spend a night with friends/family who live in that area. It's discussing this sort of logic with the broker that removes illogical barriers.
Another thing - I have always been under the impression that the "final" underwriter in marine insurance
is always Lloyds, irrespective of the local provider?
And about the chicken/egg thing. Our local marina insists on proof of insurance before entering the marina for any reason. A few years ago we had friends sail into our area on holiday and they were required to send such proof to the marina before going into the fuelling point to load diesel
. As a result of that, we now keep a stored image of our insurance cover on a phone/tablet. When you think of it, an uninsured visiting boat loading fuel
represents a significant risk for a marina.