Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 22-07-2016, 13:13   #16
Registered User
 
Simi 60's Avatar

Join Date: Jun 2016
Location: Australia
Posts: 118
Re: Insurance panic in QLD - what do liveaboards do?

Quote:
Originally Posted by StuM View Post
Did you try Oceanic Marine Risks in Brisbane?
(Tel. +61 7 3370 2555)

I've had great service from them.
Yep
It was all good until I said I actually wanted to use the boat for cruising full time and not having it as a mooring minder.
__________________

__________________
Simi 60 is offline   Reply With Quote
Old 22-07-2016, 13:27   #17
Registered User
 
Omatako's Avatar

Join Date: Jul 2008
Location: Auckland
Boat: Morgan 44 Centre cockpit
Posts: 49
Re: Insurance panic in QLD - what do liveaboards do?

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.
__________________

__________________
Andre

The older one gets, the older one wants to get (Mick Jagger)
Omatako is offline   Reply With Quote
Old 22-07-2016, 14:59   #18
Registered User

Join Date: Jan 2014
Location: Yorkeys Knob Queensland
Boat: columbia 34 Mk2
Posts: 9
Images: 2
Re: Insurance panic in QLD - what do liveaboards do?

Hi
We lived aboard our boat in Mackay Qld for two years and we're insured through Youi, no questions were asked and we didn't have to have a survey.
We put a claim through when one of our wind gen blades want through our solar panel and they were fantastic, was settled within a week. Not expensive either, give them a call. It won't cost you anything.
__________________
keithrg is offline   Reply With Quote
Old 22-07-2016, 15:24   #19
Registered User
 
Simi 60's Avatar

Join Date: Jun 2016
Location: Australia
Posts: 118
Re: Insurance panic in QLD - what do liveaboards do?

Quote:
Originally Posted by keithrg View Post
Hi
We lived aboard our boat in Mackay Qld for two years and we're insured through Youi,
They only do up to 12m.
__________________
Simi 60 is offline   Reply With Quote
Old 22-07-2016, 15:28   #20
Registered User

Join Date: Jan 2014
Location: Yorkeys Knob Queensland
Boat: columbia 34 Mk2
Posts: 9
Images: 2
Re: Insurance panic in QLD - what do liveaboards do?

Quote:
Originally Posted by Simi 60 View Post
They only do up to 12m.
Bugger
Good luck buddy
__________________
keithrg is offline   Reply With Quote
Old 22-07-2016, 15:50   #21
Registered User

Join Date: Jan 2015
Posts: 7
Re: Insurance panic in QLD - what do liveaboards do?

I didn't know Youi even did boat insurance but they have all our insurance - cars, house, contents and at super good prices. So I would certainly give Youi a shot.

The only potential downside for you is that Youi are a low risk insurer, hence the lower premiums I guess, so they may be not so willing to take on the deal if it looks a little risky to them.
__________________
Motif is offline   Reply With Quote
Old 22-07-2016, 15:53   #22
Senior Cruiser
 
Wanderlust's Avatar

Cruisers Forum Supporter

Join Date: Aug 2005
Location: NSW Central Coast
Boat: Lagoon 410
Posts: 474
Re: Insurance panic in QLD - what do liveaboards do?

Quote:
Originally Posted by grantmc View Post
........Suggesting the OP answers an insurance proposal with untruths is a bad idea.........
Totally agree. My solution in post #6 does not mislead the insurer. I'm doing it and have their agreement. I'm currently on a trip for a few months and intend to take the boat back to the same marina, but I'm not paying while absent. Last time I went on such a trip, the marina did not have space for me on my return, so I took it to a different location and advised the insurer. No problem.

In my case my periods at a home base are no doubt longer than the OP would choose. But I'm sure there's a viable solution, including short periods away from home base and then back again while you refit or become familiar with the boat.
__________________
Steve
Back home after 6 months cruising Queensland.
Wanderlust is offline   Reply With Quote
Old 22-07-2016, 16:16   #23
Registered User
 
Reefmagnet's Avatar

Join Date: May 2008
Location: puɐןsuǝǝnb 'ʎɐʞɔɐɯ
Boat: Nantucket Island 33
Posts: 2,678
Re: Insurance panic in QLD - what do liveaboards do?

If all else fails, contact Dg Marine http://www.dgmarine.com.au/marine-insurance

You might want to do a little internet research on whatever insurer they recommend as due diligence if it gets to that point, though.

Sent from my SGP521 using Cruisers Sailing Forum mobile app
__________________
Reefmagnet is offline   Reply With Quote
Old 22-07-2016, 17:07   #24
Registered User
 
Simi 60's Avatar

Join Date: Jun 2016
Location: Australia
Posts: 118
Re: Insurance panic in QLD - what do liveaboards do?

Quote:
Originally Posted by Reefmagnet View Post
If all else fails, contact Dg Marine Marine Insurance

You might want to do a little internet research on whatever insurer they recommend as due diligence if it gets to that point, though.
Already got a quote back from them
Seems a lot of money for what seems like a piece of paper.
My L33T interweb skills could doctor up a bit that has as much worth when it comes to making a claim.
__________________
Simi 60 is offline   Reply With Quote
Old 23-07-2016, 06:20   #25
Registered User
 
Fore and Aft's Avatar

Join Date: Jan 2015
Location: Gympie
Boat: Volkscruiser
Posts: 54
Re: Insurance panic in QLD - what do liveaboards do?

A lot of my customers here in Queensland use Elders. They seem easy to deal with and are very helpful.
Cheers
__________________
Fore and Aft is online now   Reply With Quote
Old 25-07-2016, 18:31   #26
Registered User

Join Date: Jul 2012
Location: New Zealand
Boat: Ganley Transition 41 (corten steel )
Posts: 49
Re: Insurance panic in QLD - what do liveaboards do?

Hi there
Edward William, Boat Insurance, Pet Insurance, Car Insurance, Travel Insurance, Home Insurance, Life Insurance, Business insurance, pensions provide insurance for cruises all around the pacific.They are a UK based insurance company
__________________
ski69sail is offline   Reply With Quote
Old 27-07-2016, 02:23   #27
Registered User
 
Simi 60's Avatar

Join Date: Jun 2016
Location: Australia
Posts: 118
Re: Insurance panic in QLD - what do liveaboards do?

Quote:
Originally Posted by ski69sail View Post
They are a UK based insurance company
Strange how it says on their quote that they are a SPANISH company with a UK postal address.

Attached Thumbnails
Click image for larger version

Name:	dodgy pricks.JPG
Views:	285
Size:	34.4 KB
ID:	128516  
__________________
Simi 60 is offline   Reply With Quote
Old 27-07-2016, 02:26   #28
Registered User
 
Simi 60's Avatar

Join Date: Jun 2016
Location: Australia
Posts: 118
Re: Insurance panic in QLD - what do liveaboards do?

There is also this

Quote:
Edward William Marine Services
Published: 05/05/2011
Last Modified: 04/10/2013
We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers.

Edward William Marine Services - Financial Conduct Authority
Edward Williams, DG Marine and Northern Reef insurance are all one and the same.
__________________
Simi 60 is offline   Reply With Quote
Old 27-07-2016, 02:55   #29
Registered User
 
Reefmagnet's Avatar

Join Date: May 2008
Location: puɐןsuǝǝnb 'ʎɐʞɔɐɯ
Boat: Nantucket Island 33
Posts: 2,678
Re: Insurance panic in QLD - what do liveaboards do?

Quote:
Originally Posted by Simi 60 View Post
There is also this



Edward Williams, DG Marine and Northern Reef insurance are all one and the same.
DG Marine is just acting as an agent, I think.
__________________
Reefmagnet is offline   Reply With Quote
Old 27-07-2016, 03:04   #30
Registered User

Join Date: Jul 2012
Location: New Zealand
Boat: Ganley Transition 41 (corten steel )
Posts: 49
Re: Insurance panic in QLD - what do liveaboards do?

Hi There.
I was referred to the company when i purchased my yacht as they were the vessels current insurer .I currentley have third party but intend to upgrade to full insurance once I have had a full servay. I haven't had to claim as yet but they seem responsible. Welcome to give them a call

Tristan
on behalf of Edward William SL
Tel: 0870 850 4088 or +34 952 476 090
Fax: 01692 678165 or +34 952 471 498
__________________

__________________
ski69sail is offline   Reply With Quote
Reply

Tags
insurance, liveaboard

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
Crew Available: Crew Availible (no drama's just cruising)QLD cameron82 Crew Archives 0 18-06-2016 21:21
Cruising Qld Coast - August /Sept. Scare_Rab Pacific & South China Sea 3 29-04-2014 19:40
Suitable draft for cruising Qld coast and Great Barrier Reef? Boat Buoy Monohull Sailboats 4 20-06-2013 06:53
Content Ideas for a Broker's Website - Ideas Wanted! David_Old_Jersey Dollars & Cents 69 02-11-2012 09:56
For Sale: NSW & QLD Cruising Guides - Australia MarkJ Classifieds Archive 8 07-07-2009 18:22


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- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 14:34.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.