uncleflo
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Top tips for comparing marine insurance policies... - YBW
Saved by uncleflo on October 12th, 2019.
Go for the cheapest and hope you don't need to claim, or go for the most expensive because that must be the best? Or take a more logical approach with our handy checklist. Here are some issues to consider when comparing policies. If an accident happens because a worn out part fails, is the part excluded or is the claim rejected? If there is a No Claims Bonus, is it protected at its maximum? If you have a claim, what is the effect on NCB in the following year? Do the insurers need a condition survey? If not, and your boat is more than say, 10 years old, why not? Is the policy an Agreed Fixed Value policy?
If a ‘New for Old’ deduction can be applied, does it apply to parts and materials only, or to all costs including labour costs?
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