Model Boat Mayhem

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Author Topic: Model Boat Insurance  (Read 10490 times)

KitS

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Re: Model Boat Insurance
« Reply #25 on: May 24, 2018, 06:44:49 pm »

Bumping this due to recent inaction on various sides...........

With my re-found interest in the hobby, and wanting to attend the upcoming Mayhem Weekend, I wanted to ensure my insurance (sorry....) was up to date, and tried to re-join my local club, but I haven't had any response in 3 or so weeks. So I thought I'd try to get personal insurance as my house policy doesn't provide 3rd party cover for such obscure activities as model boating.

My local brokers said they'd call me back, but didn't. (Does anyone EVER call back these days??) So today I went in to see them to be told that the best quote they could find was £310/yr!!!!!! I explained that they were MODELS I was insuring against and not real boats, and said I'd have to leave it at that.

So now I'm not sure if it's worth bringing my boats over to Wicksteed this weekend at all.
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Kit

jaymac

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KitS

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Re: Model Boat Insurance
« Reply #27 on: May 24, 2018, 07:11:23 pm »

Thanks for the link.

I just tried them, and they'll 'Call me back.......'  {:-{

They don't mention 3rd party though.
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Kit

jaymac

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Re: Model Boat Insurance
« Reply #28 on: May 24, 2018, 07:27:03 pm »

Good luck
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Tugtower

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Re: Model Boat Insurance
« Reply #29 on: May 24, 2018, 08:17:06 pm »

Insurance....




It’s always a hot topic so I’ll put it into common sense for you...


Someone mentioned little Jonny poking his eye out on your mast... with or without parental supervision it’s no worse than knocking little Jonny over with your car if he ran out Into the road...


Your insured with your car for such incidents and accidents so why not for a hobby that for some clubs becomes public risks?
Now when I say risks I do mean risks....


The majority of hobbiets take great care not to damage their boats and certainly don’t want grubby kid fingers all over their hard work, we’ve all been there with busted up hand rails because parents are supervising kids today and I’ve had my fair share of swear words at children and parents alike for such behaviour.
That said given how everything is turning into a quick way to make cash of the humbled hermits what’s to stop parents claiming that they cut them selfs on your model and trying their luck In small claims?
And that’s just to start....
What if a real incident happens?
I’ve seen fast electric hydros and multi hills go flying out of lakes at high speed ( fortunately the incidents I’ve witnessed resulted in a trashed boat either going up the gravel bank and one over the sea wall never to be seen again, but what’s to stop those instances of similar incidents where the boat hit a car, a perdestrian, or a mother pushing her baby in the pram?


Would you say “oh sorry” and be done or would you be looking at a night in the cells for assault? Who would be paying for such claimed against you for such an incident? Clearly you can afford the bills out of your own pocket to fund such an event should the worst occur if not insured.. because that is the worst case scenario.


Now I know that is a bit of a long shot on “what if’s” but not unlikely.. you only need to watch YouTube for a few mins to see this type of incident is very real.
Now there are more that just that type... ignoring steam engines as they do require a lot more liability and care, you do still have the IC engine owners, that’s straight out the bag a fire hazard in a public place with a gallon of nitro and a twit with a lot fag in his gob waiting to happen, there’s also the risk of cylinder head going pop at high speed that’s becomes a projectile... do members of the public wear hard hats generally?
With IC engines I can keep going but those are the basic “ can happend’s”


Then you have something as basic as missing fingers.. how? Wouldn’t be the first time I’ve picked up my boat and my dads knocked the throttle and sliced into a finger to two... now imagine somone actully uniformed like a member of the public or a child and something linen starting the boat up on the stand to test your model before sailing, something we all do, but this time some little ones fingers right there by your shiny and highly honed, or even over reved prop, think you be lucky to actully find the finger for reattatchment...


Now I guess I’ll he nhs will pay for the initial treatment for your carelessness, that’s now tax payers insurance being used.. what about when you get sued for disabling that child, or forced to pay out for the adults time of work during recovery and he or she has bills to pay but are not in a job with sick pay?


I guess you can afford to pay out a very large sum since some don’t want to buy insurance?


Now here’s the thing... any responsible person with a hobby that can expose anyone to damage or injury regardless or age, supervision, or lack of common sense, shouldn’t be operating a live model in public places without insurance, it is purely irresponsible for you to take such a risk and frankly you should be ashamed of yourself for even allowing a topic like this to be some sort of pro
/con discussion...


There is no pro or con to not having public liability insurance because those who don’t cover themselves will should the worst happen not be complaining about a £310 annual bill but a bill in the thousands to which their is no escape.


As for cost of insurance, if your getting quotes of £300 plus your clearly not looking in the right place, my old club before moving has a 2.5m public liability policy for their club and it’s cost a measly £80 a year...


There is no excuse for ignorance when it comes to how the world is today, right or wrong at the end of the day if your model causes an incident then you are liable and that’s the hard fact and truth to the matter.


Any typos in here you’ll have to forgive.. my iPhone has the best rockblocking auto predict in the U.K.

Colin Bishop

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Re: Model Boat Insurance
« Reply #30 on: May 24, 2018, 08:37:19 pm »

Join the MPBA as a countrywide club member. Costs £20 pa and includes 3rd party insurance. Details on their website.


Colin
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Neil

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Re: Model Boat Insurance
« Reply #31 on: May 24, 2018, 09:25:48 pm »


are you an insurance salesman by any chance Tugtower. {-) {-) {-) {:-{ <:( 


only joking mate. :embarrassed: :embarrassed: :-))
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KitS

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Re: Model Boat Insurance
« Reply #32 on: May 24, 2018, 10:47:41 pm »


Join the MPBA as a countrywide club member. Costs £20 pa and includes 3rd party insurance. Details on their website.


Yes, that was one of my options, but it's impossible before Saturday, isn't it?

I THOUGHT I could have similar cover by re-joining my local club, but glaciers seem to move faster than they have...........
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Kit

KitS

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Re: Model Boat Insurance
« Reply #33 on: May 24, 2018, 10:53:49 pm »


As for cost of insurance, if your getting quotes of £300 plus your clearly not looking in the right place, my old club before moving has a 2.5m public liability policy for their club and it’s cost a measly £80 a year...


Well yes, but where else would anyone not connected with the hobby look but for an insurance broker????

As far as I know there isn't a Gocompare or Comparethemarket for model boat 3rd party insurance, so what else could I do that I haven't already tried???
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Kit

Colin Bishop

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Re: Model Boat Insurance
« Reply #34 on: May 24, 2018, 11:04:35 pm »

It is a specialist risk category and I'm afraid you have left it too late for Saturday unless your local club can oblige but maybe they aren't in a hurry if you simply want to rejoin for the insusrnce cover.


Colin
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KitS

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Re: Model Boat Insurance
« Reply #35 on: May 24, 2018, 11:08:12 pm »


It is a specialist risk category and I'm afraid you have left it too late for Saturday unless your local club can oblige but maybe they aren't in a hurry if you simply want to rejoin for the insusrnce cover.


I didn't even mention that, I just filled in the necessary form and sent the money, about a month ago.....
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Kit

Onetenor

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Re: Model Boat Insurance
« Reply #36 on: May 25, 2018, 02:39:19 am »

Thanks for the link.

I just tried them, and they'll 'Call me back.......'  {:-{

They don't mention 3rd party though.
Pay in stages or instalments .Costs slightly more but softens :} [size=78%] the blow [/size]



























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KitS

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Re: Model Boat Insurance
« Reply #37 on: May 25, 2018, 11:00:03 am »


Tried these https://www.highworthinsurance.co.uk/specialist-insurance/model-insurance/


No good at all I'm afraid.

While they did call back they hadn't a clue about 3rd party liability insurance and only wanted to know '.....the value of your collection....'  :((

Looks like I'll only be a spectator at Wicksteed.
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Kit

jaymac

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Re: Model Boat Insurance
« Reply #38 on: May 25, 2018, 12:45:45 pm »

KIt just rang these people she said yes they do public liability for models  boats included and accidental damage etc.,


http://www.towergatepartners.co.uk/walker-midgley-brokers/schemes/

Jay
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TugCowboy

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Re: Model Boat Insurance
« Reply #39 on: May 25, 2018, 01:03:56 pm »

All the policies I've looked at seem to be for single models according to the blurb.

Is there not a policy that would cover X amount of boats up to a value of £££ ?

Would like to get a proper policy as the one offered by the local club is no longer available.
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Neil

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Re: Model Boat Insurance
« Reply #40 on: May 25, 2018, 01:41:18 pm »

KIt just rang these people she said yes they do public liability for models  boats included and accidental damage etc.,


http://www.towergatepartners.co.uk/walker-midgley-brokers/schemes/

Jay



walker Midgley have been going a long while and used to insure some of the boats of friends I had at the time...……..even on accidental damage they coughed up...…...a good firm with a long history...……..unlike the company I have my pet insurance with, who I have just made a complaint to the ombudsman about...…….thieves and fraudsters...……...great at bending the rules......bah humbug...…. >>:-( >>:-( <*< <*<
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Howard Q

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Re: Model Boat Insurance
« Reply #41 on: May 25, 2018, 05:51:02 pm »

Hello. Although I have not read the whole thread as I think this has been raised before, model boat insurance is readily available from a company called Walker Midgley, I have used this firm for many years and always find them reasonably priced and extremely courteous, they will cover your models in transit, at home and for public outings a public liability cover for what you consider your needs. put the name Walker Midgley into google and you should come up trumps. :-)) Howard.
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KitS

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Re: Model Boat Insurance
« Reply #42 on: May 26, 2018, 04:53:46 pm »

Sadly this all came to nothing for the weekend as I ended up in hospital, but I'll get on it when I get out.
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Kit

Geoff

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Re: Model Boat Insurance
« Reply #43 on: May 31, 2018, 01:37:39 pm »

Just to wade in, most household insurance has a third party liability element to it. An example being the postman knocks on your door and a slate falls of the roof and he is injured. Your household insurance covers this. If you kid is riding a pushbike and knocks someone down, you are covered for this, if your sailing a model boat and someone is injured (somehow) you are covered for this under your household policy - hobbies are covered under the third party liability section.


If there is not an exclusion then they are covered and there is much case law on this.


I am insured with Hiscox and I phoned them and asked if the third party liability section would cover me for model boats, the conversation went like this:


Me: Am I covered under the £5,000,000 third party liability section of my household insurance if I sail model boats?


Hiscox: yes sir.


Me: Any limitation as to what type of model boat?


Hiscox: No sir.


Me: Thank you very much, just as I anticipated.




People sometimes get confused in "insuring model boats" as to insuring their value, which is a different ball game, as opposed to insuring any potential liability.


Obviously you need to read the insurance policy and make sure there aren't any specific exclusions. I also seem to recall that it covers me for flying model aircraft, provided they are not over a certain size. A toy helicopter in the park type thing.


Yes I am in insurance and have been for 40 years albeit not household or motor but you do pick up an awful lot - agsain this is just a general comment and not advice!


Cheers


Geoff
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KitS

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Re: Model Boat Insurance
« Reply #44 on: May 31, 2018, 02:06:55 pm »

I DID ask my brokers if my household policy covered me for 3rd party risks and they said no.

I think I'll be going with someone else when it renews in November, but in the meanwhile I need something just to get me over the current 'hump'.
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Kit

Geoff

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Re: Model Boat Insurance
« Reply #45 on: May 31, 2018, 02:12:56 pm »

Curious as virtually all household policies have a general liability section thrown in for obvious reasons but it does depend if you purchase buildings and contents as separate policies but one of them should have it automatically.

I'm not being funny but have you read the policy?

Cheers

Geoff
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McGherkin

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Re: Model Boat Insurance
« Reply #46 on: May 31, 2018, 04:35:27 pm »

Whilst I would insure my models out of respect to other modellers, part of me wonders why I’m not told to take out third party insurance to fly a kite, or go fishing, or to play football, or golf, or so on.


Taking a model for a spin in a lake is probably less likely to cause injury than throwing a frizbee or one of those foam dart-ball thingys around but nobody has insurance for those. In fact, I see so many people getting hit by surfers at the beach and I bet none of those have insurance.


Of course I completely get clubs having to have public liability insurance and insuring the value of your model, it just seems weird given the rarity of cases where a third party needs to make a claim against an individual.
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Geoff

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Re: Model Boat Insurance
« Reply #47 on: May 31, 2018, 04:39:48 pm »

Strangely enough, as above it falls under your household insurance. Hiscox has an exclusion for watercraft other than surfboards and windsurfers, hence my call re model boats. So flying a kite should be covered depending on your insurance!

Cheers

Geoff
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KitS

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Re: Model Boat Insurance
« Reply #48 on: May 31, 2018, 09:59:06 pm »


I'm not being funny but have you read the policy?


Yes..................
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Kit
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