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Travel Insurance - Who do you use?

Printed From: Yachts and Yachting Online
Category: General
Forum Name: Insurance
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URL: http://www.yachtsandyachting.com/forum/forum_posts.asp?TID=6210
Printed Date: 11 Apr 21 at 1:17am
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Topic: Travel Insurance - Who do you use?
Posted By: Contender443
Subject: Travel Insurance - Who do you use?
Date Posted: 07 Dec 09 at 12:01pm

OK I have just had my annual travel insurance renewal in from Direct Line and it was 147. This is for 2 adults and 2 children and included yachting cover (up to 12 miles offshore). Without the yachting cover it was 104

I did a bit of shopping around and other companies are quoting a lot less. The first company I phoned to check and they include yachting cover. Bear in mind I am only taliking about going on a once a year 2 week flotilla holiday and I am not insuring the yacht itself.

The overall quote came in at a lot less.

So just wondered what companies you use and how much you pay? 



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Bonnie Lass Contender 1764



Replies:
Posted By: laser4000
Date Posted: 07 Dec 09 at 12:26pm
some travel companies exclude competitive racing - so if you injure yourself sailing in the xyz euro's in Garda then you might not be able to claim for that busted knee/ankle or whatever..

devil's in the small print...


Posted By: Noble Marine
Date Posted: 07 Dec 09 at 12:40pm
Originally posted by laser4000

some travel companies exclude competitive racing - so if you injure yourself sailing in the xyz euro's in Garda then you might not be able to claim for that busted knee/ankle or whatever..

devil's in the small print...

Quite right - The vast majority of travel insurance policies will exclude any racing related incidents.  Also be careful if you're sailing a yacht from one country to another.

We usually point clients in the direction of http://www.noblemarine.co.uk/travelinsurance.php3 - Sports Cover Direct who will cover racing and offshore sailing, plus a large selection of other sports.


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http://www.noblemarine.co.uk" rel="nofollow - Boat Insurance from Noble Marine

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Posted By: Skiffybob
Date Posted: 15 Jan 10 at 4:20pm

I use click4quote.com

They do a policy for yachties, are about 150 for a family, worldwide.

Yachting cover on most policies have some nasty cluases, but this policy is designed for yachtsmen, so there are no restrictions on distance offshore etc.

It can also cover you for dinghy open meetings (so will give you medical insurance if yu travel to an event). This covers worldwide events too, so if you do European or World Champs, you'll be covered.

Oh yes, and it also covers you for skiing and most other stuff (like horse riding).



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12ft Skiff - Gordon Keeble and the Furry Fly-by
AC - GBR271 - Whoosh
B49 - Island Alchemy


Posted By: ellistine
Date Posted: 15 Jan 10 at 4:33pm
We've just taken out an annual policy with the Ski Club of
Great Britain as it covers a whole load of 'hazardous'
activities including Off piste skiing and dinghy sailing.

I think for the two of us it was about 70 quid.

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Posted By: Black no sugar
Date Posted: 15 Jan 10 at 10:49pm

Originally posted by laser4000

some travel companies exclude competitive racing

 

Ahem, sorry... "Contender443" and "competitive" seen together made me giggle, that's all



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http://www.lancingsc.org.uk/index.html - Lancing SC


Posted By: Scooby_simon
Date Posted: 16 Jan 10 at 4:04pm

I use snowcard http://www.snowcard.co.uk/pages/index.asp - http://www.snowcard.co.uk/pages/index.asp

 

they allow you to set up your cover to the limits you want; including offshore racing and skiing op with and without a guide.



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Wanna learn to Ski - PM me..


Posted By: Medway Maniac
Date Posted: 01 Sep 10 at 12:23pm

Do you really need any?

I insure no risk that I can't reasonably cover myself out of savings or where funds might be inaccessible (e.g. hospitalisation when ill and overseas, so medical insurance, yes).

Why pay for the irresponsible, the fraudsters and for insurance companies admin and profits?

Work out how often you claim, and how much you pay over the years and unless you're naturally feckless or just habitually very unlucky, insurance leaves you out of profit.

Wiping out a horde of Saturday shoppers when a wheel comes off my road trailer (please no!) I can't cover, so third party on the car absolutely!



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http://www.wilsoniansc.org.uk" rel="nofollow - Wilsonian SC
http://www.3000class.org.uk" rel="nofollow - 3000 Class


Posted By: Scooby_simon
Date Posted: 01 Sep 10 at 4:45pm
Originally posted by Medway Maniac

Do you really need any?

I insure no risk that I can't reasonably cover myself out of savings or where funds might be inaccessible (e.g. hospitalisation when ill and overseas, so medical insurance, yes).

Why pay for the irresponsible, the fraudsters and for insurance companies admin and profits?

Work out how often you claim, and how much you pay over the years and unless you're naturally feckless or just habitually very unlucky, insurance leaves you out of profit.

Wiping out a horde of Saturday shoppers when a wheel comes off my road trailer (please no!) I can't cover, so third party on the car absolutely!

You going to cover the mega costs of Medi-vac?  Ski choppers are 100 quid a minute min 20 mins evac to base station; evac to hospital via private ambulance; Special flight home?  Good way to kill savings!



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Wanna learn to Ski - PM me..


Posted By: Stuart O
Date Posted: 01 Sep 10 at 5:02pm
Coloumbus are good they dont cover offshore racing  but if you are more than 12 miles out in a contender you will probably be better ringing the coastguard


Posted By: Medway Maniac
Date Posted: 01 Sep 10 at 9:45pm
Originally posted by Scooby_simon

You going to cover the mega costs of Medi-vac?  Ski choppers are 100 quid a minute min 20 mins evac to base station; evac to hospital via private ambulance; Special flight home?  Good way to kill savings!

Try re-reading the clause in brackets at the end of my second paragraph that you quoted.



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http://www.wilsoniansc.org.uk" rel="nofollow - Wilsonian SC
http://www.3000class.org.uk" rel="nofollow - 3000 Class


Posted By: Scooby_simon
Date Posted: 02 Sep 10 at 1:59am
Originally posted by Medway Maniac

Originally posted by Scooby_simon

You going to cover the mega costs of Medi-vac?  Ski choppers are 100 quid a minute min 20 mins evac to base station; evac to hospital via private ambulance; Special flight home?  Good way to kill savings!

Try re-reading the clause in brackets at the end of my second paragraph that you quoted.

I did; Check any medical you take out; most WILL NOT cover evac from point of sports accident or special plane home as a result of sports accident.

I have heard horror stories of badly hurt skiers dragging them selves back on-piste or getting help and doing damage as a result.

 



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Wanna learn to Ski - PM me..


Posted By: Medway Maniac
Date Posted: 02 Sep 10 at 8:43am
Originally posted by Scooby_simon

Originally posted by Medway Maniac

Originally posted by Scooby_simon

You going to cover the mega costs of Medi-vac?  Ski choppers are 100 quid a minute min 20 mins evac to base station; evac to hospital via private ambulance; Special flight home?  Good way to kill savings!

Try re-reading the clause in brackets at the end of my second paragraph that you quoted.

I did; Check any medical you take out; most WILL NOT cover evac from point of sports accident or special plane home as a result of sports accident.

I have heard horror stories of badly hurt skiers dragging them selves back on-piste or getting help and doing damage as a result.

 

Exactly. That would be a "risk that I can't reasonably cover myself ".

But it shows that whatever insurance you take out, you need to be very sure it will cover your particular situation. So often people claim only to find the insurance company wriggles out of it.

My favourite story was a colleague who was very insurance-minded. He wanted house insurance; the agent offered him three policies; much to the agent's surprise and delight he took all three. A year later he damaged the sink during a bit of DIY; much frustrating hassle later, no payout from any of the policies... At least if you "insure yourself" you avoid the hassle of claiming and all that entails.

Just to balance the picture, I made a claim on my boat policy with Noble last year and it was all settled without any hassle whatsoever.



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http://www.wilsoniansc.org.uk" rel="nofollow - Wilsonian SC
http://www.3000class.org.uk" rel="nofollow - 3000 Class


Posted By: blueboy
Date Posted: 10 Sep 10 at 2:21pm
Originally posted by Scooby_simon

I have heard horror stories of badly hurt skiers dragging them selves back on-piste or getting help and doing damage as a result.


I wouldn't ski without travel insurance and for that I use Snowcard. But for general holidaying in the EU, I would not bother.


Posted By: Skiffybob
Date Posted: 21 Oct 10 at 1:03pm
I anyone else is interested, I've just renewed with Columbusdirect.
 
They have an "Adventurer" package, which covers most sports including dinghy sailing & racing, and yachting.


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12ft Skiff - Gordon Keeble and the Furry Fly-by
AC - GBR271 - Whoosh
B49 - Island Alchemy


Posted By: johnnyt
Date Posted: 28 Oct 10 at 4:56pm
Towergate Mardon have just released a new travel policy specifically aimed at sailing people. It includes cover for competitive sailing and professional racing with no offshore limits. I know when I have tried to arrange travel insurance if I am going abroad for a championships normally the cover will exclude any form of competition so the product has been designed to address this.
 
If you are diving there are extended depth limits,
It has been designed to work in conjunction with other Towetrgate Mardon marine products.
The details of the product can be found at http://www.towergatemardon.co.uk - www.towergatemardon.co.uk or if you need to talk to someone our RYA qualified staff can talk to you.
I hope that this helps

 



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John Tuckwell
Development Executive
GJW Insurance
www.gjwdirect.co.uk
Insurance rebel without a clause.



Posted By: StaticHF
Date Posted: 03 Oct 11 at 12:26pm
Originally posted by johnnyt


The details of the product can be found at http://www.towergatemardon.co.uk - www.towergatemardon.co.uk or if you need to talk to someone our RYA qualified staff can talk to you.
I hope that this helps

 


Thanks, johnnyt, make use of the main web-page. However, haven't received any request yet. Has anyone else contacted http://www.mspy.com - spy phone TowerGatemardon?


Posted By: patj
Date Posted: 03 Oct 11 at 8:14pm
We've used Europ Assistance for combined european breakdown and personal travel insurance and they were brilliant when someone put petrol in the diesel tank on the last day of the French holiday!
We certainly had our money's worth with recovery to garage and overnight hotel - luxury after a camping holidaySmile


Posted By: travelrohan
Date Posted: 25 Jan 12 at 5:27am

They do a policy for yachties, are about 150 for a family, worldwide.

Yachting cover on most policies have some nasty cluases, but this policy is designed for yachtsmen, so there are no restrictions on distance offshore etc.



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Posted By: Andymac
Date Posted: 25 Jan 12 at 11:17am
Originally posted by travelrohan

They do a policy for yachties, are about 150 for a family, worldwide.

Yachting cover on most policies have some nasty cluases, but this policy is designed for yachtsmen, so there are no restrictions on distance offshore etc.

That's a pretty good premium if you're planning a cruise along the coast of Somalia...



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