Insurance panic in QLD - what do liveaboards do?

[Simi 60]

Originally Posted by StuM

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.

[Omatako]

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.

[keithrg]

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.

[Simi 60]

Originally Posted by keithrg

Hi
We lived aboard our boat in Mackay Qld for two years and we're insured through Youi,

They only do up to 12m.

[keithrg]

Originally Posted by Simi 60

They only do up to 12m.

Bugger
Good luck buddy

[Motif]

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.

[Wanderlust]

Originally Posted by grantmc

........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.

[Reefmagnet]

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

[Simi 60]

Originally Posted by Reefmagnet

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.

[Fore and Aft]

A lot of my customers here in Queensland use Elders. They seem easy to deal with and are very helpful.
Cheers

[ski69sail]

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

[Simi 60]

Originally Posted by ski69sail

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.

[Simi 60]

There is also this

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.

[Reefmagnet]

Originally Posted by Simi 60

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.

[ski69sail]

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