Topic: MODEL BOAT INSURANCE (Read 40113 times)

Colin Bishop · « **Reply #25 on:** April 15, 2008, 10:37:20 pm »

Seems reasonable to me. Little Johnny could bend over your model and poke his eye out on your mast. I doubt if his parents would then say "what an unfortunate accident!"

andygh · « **Reply #26 on:** April 15, 2008, 10:42:45 pm »

Sadly, in this day & age you're probably right, they wouldn't, it'd be "injury lawyers R'us" all the way no doubt.

Shame it wasn't always like this, I'd be as rich as Croesus by now

alan colson · « **Reply #27 on:** April 16, 2008, 03:28:09 pm »

Another item you should also take care with is your transmitter aerial, this should be protected. Now I have a good idea for this, and I have put it into practice, first buy a new set of radio (or secondhand if you can) then get a can of John Smith's Bitter, consume the beer, crack open the can and take out the widget, drill a hole in the widget and place on the end of the aerial. I have about twenty transmitters now, it's been good protecting the aerial tips. Anybody got any transmitters spare or even unprotected and needs a hand give me a call.
Alan

andygh · « **Reply #28 on:** April 16, 2008, 07:28:09 pm »

Sounds like a plan, I'm not keen on John Smiths but I'm willing to make the sacrifice

Peterm · « **Reply #29 on:** April 17, 2008, 08:42:52 am »

Before the age of the digital camera, I used empty film cannisters on the ends of Tx Aes. Pete M

alan colson · « **Reply #30 on:** April 17, 2008, 03:57:12 pm »

Pete M
I get more enjoyment getting the widgets from beer cans than using a 35mm camera to get the film cannisters.
Alan

Mr Andy · « **Reply #31 on:** April 20, 2008, 08:47:31 pm »

Buy a kinder egg eat the chocolate ok there is better but it's still chocolate stick little plastic egg on TX aerial. I like the John Smiths idea mind.

Andy.

funtimefrankie · « **Reply #32 on:** April 21, 2008, 08:04:45 am »

Has anyone, or do you know of anyone who has had a successful claim against them when Joe Public has been hurt by their boat when it was sitting on a table at a show?
Has anyone claimed against another boat owner when it has damaged theirs on the water?
Do these policies pay how when a boat is stolen? Any one had a successful payout?

cos918 · « **Reply #33 on:** April 21, 2008, 10:55:56 am »

hi all what i am saying only applies to scale boat not ic steam or fast electric. OK so Joe public hurt them selves on your boat after ignoring the do not touch sign.
1 how do the know who you are. Under EU law i don't have to say any thing .
2 how can they prove it was your boat ,forensics i don't think so. So now all Joe public knows it was a red boat at such a venue not a good start for a compensation case.
As for damage against other modelers boats. If 2 or more boat are going to collide chances are it will happen on the water. As far as i know there are no rules for model boat on a lake. IE with a car there you drive on the left and give way to the right on round about etc etc. so when a collision occurs it is possible to find out who was in the wrong. so how would do this with model boat, who has right of way etc etc. I think in a collision it would be each party pays there own.
As for setting fire to a building. One has to ask how likely . With a scale boat the only source of ignition is the battery's so once they are discounted the risk is gone. Now i don't know about you lot but i don't tend to leave my boat unattended with the batters connected. So were the risk.
I have yet to see the need fore insurance other that to claim against if your boat get stolen.

john

Faraday's Cage · « **Reply #34 on:** April 21, 2008, 01:01:15 pm »

Quote

I have yet to see the need fore insurance other that to claim against if your boat get stolen.

Cos918, you are protecting yourself, up to the limit of cover, against any claim made against you involving your models or modelling activities. In the unlikely event of a claim being made against you. Without insurance you run the risk of possible bankruptcy and your house been taken off you. Are you prepared to take that risk ?
Also, you will find it difficult or expensive to insure your boat for loss once its on the water as the insurance companies deem it too much of a risk. Most policies cover you for third party liability only. In other words, causing harm to others.
If you're sailing at a private lake where the general public are not allowed in then it might seem a little OTT but if you are using public lakes then you need the cover even if the risk may only be slight.
If you wish to join a club or sail on local authority waters as a group then insurance is almost always required anyhow.
FC

alan colson · « **Reply #35 on:** April 21, 2008, 03:05:06 pm »

Well said FC, it is quite evident that the 2 previous people have not read all the items on this subject.
Take my eye out with the tip of your transmitter aerial, thanks that will cost you YOUR house.
Oh, did my boat catch fire whilst on the table due to an eletrical fault and burn down this nice Council building, thanks that will cost you YOUR house.
In other words GET INSURANCE for your own sake.
Oh! and the other answer is yes, I was told a long time ago of a claim when a boat went up a bank and a young child picked it up to put it back in the water and had his fingers cut by the propeller.
Alan

cos918 · « **Reply #36 on:** April 21, 2008, 06:04:46 pm »

Quote from: alan colson on April 21, 2008, 03:05:06 pm

Well said FC, it is quite evident that the 2 previous people have not read all the items on this subject.
Take my eye out with the tip of your transmitter aerial, thanks that will cost you YOUR house.
Oh, did my boat catch fire whilst on the table due to an eletrical fault and burn down this nice Council building, thanks that will cost you YOUR house.
In other words GET INSURANCE for your own sake.
Oh! and the other answer is yes, I was told a long time ago of a claim when a boat went up a bank and a young child picked it up to put it back in the water and had his fingers cut by the propeller.
Alan

Did this boy get compensation or try to and found out it was to much hassle.

I have read the subject all i was saying in this mad world were if you listened to every one your want insurance cover to walk down the. If you step back one minute and look at situation for what they are and question it some the answers are diffrent.

Lose your eye on my transmiter aerial is no diffrent than poking you eye on some one carrying a piece of wood from a diy shop. Do they have insurance NO they don't.
As for people loosing there house let not cause panic. Lose of any eye is round £25k most house +£150k.
Boat burning down a building ?well your boat being there is covered by the venue/show insurance.
So like i said I can see the risks But is it worth the premium each year. It would be very intersting to see how many big insurance pay outs there were for the year 2007/2008 for SCALE model boats.

john

alan colson · « **Reply #37 on:** April 21, 2008, 06:22:51 pm »

I am not sure of the outcome on the boys claim, as I said I was told this, it came up in conversation one day.
As for the building cover, I can only judge by the requirements for entering the shows, in the case of Brighton Centre I am led to believe by the committee of my club that £5million was required.

Colin Bishop · « **Reply #38 on:** April 21, 2008, 06:23:25 pm »

John,

It's like all insurance. At the end of the day it's up to you to assess the risk and possible consequences. Strange things do happen. At a NAVIGA meeting a very long time ago a scale boat fired a pyrotechnic which set fire to a spectator's jacket! Of course anyone using pyrotechnics like the Portsmouth Display Team will almost certainly be insured but it's the mundane things that can catch you out. If you display your boat on a table and it has a thin sharp aerial or mast and somebody leans over to look at the model next door and pokes their eye out then my guess is that, in this litigious age in which we live, they will quite likely be looking for somebody to blame.

If somebody carelessly brains you with a lump of wood when walking out of a DIY store you can still chose to sue them whether they've got insurance or not.

However, as FC says, in many instances having insurance is required before you can sail your boat on a particular water.

Colin

DickyD · « **Reply #39 on:** April 21, 2008, 06:28:43 pm »

Just paid my and my sons club fees for the year including public liability insurance at any venue £7.50 each.
What is all the fuss about ? Cough up you tight b***ers.

cos918 · « **Reply #40 on:** April 21, 2008, 06:32:08 pm »

I will get insurance once my boat is back on the water as £7.50 is nothing. The point i was getting at is for some one to claim against you is quite hard as they have to prove it was you that caused the injury.

andygh · « **Reply #41 on:** April 21, 2008, 06:59:46 pm »

Fancy posting me a few "nothing"s?

cos918 · « **Reply #42 on:** April 21, 2008, 07:02:57 pm »

ok not a lot then Just over 2 pints and since i don't smoke cant tell you how may fags it would be. But £7.50 don't go far to day.

dougal99 · « **Reply #43 on:** April 22, 2008, 07:25:49 pm »

Quote

What are the chances and why £5 million quid?

Unquote

If the premium is less than £50 then the chances are very slim/low/remote making it money for old rope.

£5 million is a nice round number.

Doug

Cynical moi?

andygh · « **Reply #44 on:** April 22, 2008, 07:45:36 pm »

Seconded Doug and there's nowt wrong with a bit of cynicism

Alastair_I · « **Reply #45 on:** May 22, 2008, 10:09:34 pm »

The very high cover rates for insurance (£2 - £5 million have been mentioned so far) are driven by the requirements imposed by local authorities and commercial venues for certain levels of minimum cover. These minimum levels are in turn driven by the very large excesses on public venues and commercial organisations. It is not unusual for insurance on a commercial building to have a £2 - £5 million excess for damage caused by a second/third party, although often the highest excesses will relate specifically to "hot work" and other high fire risk activities. The high excesses are a measure to bring premiums down to an affordable level.. the value and number of claims has been rising for years, and this is the consequence.

Interestingly, it's quite common in some less litigative European countries (Germany springs to mind) for members of the public to take out third-party liability insurance as a matter of routine.

Somebody mentioned the no-win, no-fee adverts on the tv.. am I the only one that when they see the one with the forklift truck shouts at the screen, "No.. the forklift truck didn't suddenly reverse into you without looking.. your MATE drove it into you without looking.."? and then they show the "after" picture.. which is actually an even less safe workplace! (lots of people wearing high viz doesn't make a workplace safer, nor does lots of warning signs.. seperating the pedestrians from the vehicles is what would make that workplace safer).. .. I'll get off my soapbox..

andygh · « **Reply #46 on:** May 23, 2008, 12:09:00 am »

That's OK then, everyone is getting ripped off, not just model boaters :(

djrobbo · « **Reply #47 on:** May 23, 2008, 12:44:01 pm »

Methinks this is no different to every other walk of life , as a nation we get ripped off when we buy anything and everything , and the government and local councils seem to be about the most succesful at it

P.S...........apart from the gas and electric company's

regards..bob.

Peter Fitness · « **Reply #48 on:** May 23, 2008, 04:19:23 pm »

Reading the posts on this subject makes me realise that the situation in Australia regarding public liability is similar to Britain. I live in a small block of 3 units (flats), and we have to have public liability to the tune of AUD$10 million, about Stg 5 million, just in case some fool trips over his own shadow on our driveway and hurts him/herself. Our model boat club is covered by the local RSL (Returned Services League) Club, with which we are affiliated, for all necessary insurance risks. This includes the loss of our storage container due to arson recently - see "Break in" on this forum. The cost of this insurance is borne by the RSL Club, and all our model boat club members have to join the RSL Club which costs $10 a year. Cheap at twice the price

The other benefits of our model boat club being affiliated with the RSL Club include use of a meeting room, and use of the club's large auditoriums for our bi-annual Hobby and Model Expo, which will be on again in September this year.
Peter.

offshore1987 · « **Reply #49 on:** May 29, 2008, 07:14:31 pm »

i do think its all abit much.... i mean if you stand up in court and say " a model boat ran me down at 5mph!! " just lol

i see some of the good sides of the insurance but most of it is just a joke

peter over there it must be worse? dont you guys need a lisence to drive any real boat?

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Author Topic: MODEL BOAT INSURANCE (Read 40113 times)

andygh

andygh

Mr Andy

andygh

andygh

Alastair_I

andygh

djrobbo

offshore1987