INSURANCE^

Places, technique, kayaks, safety, the sea...
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soundoftheseagull
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INSURANCE^

Post by soundoftheseagull » Sun May 07, 2006 4:14 pm

I have checked out the Almanac has anyone taken out insurance for their kayak recently?
Although a large item I have this vision of an empty space within the garden or roof rack and then that inevitable clause on the house and car insurance.
NW Brown want around £120 to cover £1600
Thanks in anticipation
Dave

Rockpool GT

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MikeB
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Post by MikeB » Sun May 07, 2006 5:31 pm

Nope, we've nothing (yet) on insurance, so this is a good thread - -

I have mine on my Norwich Union / Aviva policy as specified items, but iirc the web offering from them doesn't offer the cover, you have to go thro a broker.

Edited to add - If you do a Forum Search on Insurance, there are lots of discussions (mainly from Inland), some of which are relevant to insuring boats.

Mike.

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soundoftheseagull
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Thanks

Post by soundoftheseagull » Sun May 07, 2006 6:27 pm

Mike

Thanks had a senior moment and forgot about the search facility a great help as always, NW Brown mentioned and appears to specialise in this area along with additional kit cover, paddles etc. and also third party liability.
Dave

Rockpool GT

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highland
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Post by highland » Sun May 07, 2006 6:44 pm

I use http://www.noblemarine.co.uk/. They seem to provide reasonable cover at a good price.

Mark

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sub5rider
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Post by sub5rider » Sun May 07, 2006 7:30 pm

M&S Money for house contents.

This covers unspecified items (inc kayaks, MTBs, laptops etc) to the value of £4000 each with very few conditions. If you take out the "premium" cover then those self same items are covered against accidental damage (with conditions) and are covered anywhere in the world.
EG I recently had two @£3k each MTBs stolen from wooden garage ( lots of insurance won't cover items stored in a wooden structure) - they were replaced within 3 weeks, no quibble. The replacements are stored in my mother's garage - and are covered on my policy, no problem. Similarly, my Onion usually lives in one of the club's storage facilities, again no problem.
If any of you have kids at uni, then all their stuff is covered (with conditions) inc. £3k mtbs, computers, etc. whilst away freom home

You may pay a higher premium with M&S Money, but it'll be less than another household policy + individual policies for all your toys.One well known bike insurer wanted more £££ to insure 3 MTBs valued at £7k total than M&S charge for my household policy. Bit of a downer if you don't need household contents cover, tho'.....

Interestingly, M&S are only the front men - it's actually Norwich Unuion doing the business

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