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[UXB]

Sorry if I have missed something but why would the Police become involved ?

[scoop]

Dear All,

I have come in on this Topic at a very late stage, but it is something that interests me.

I would like to Insure my five vessels for Fire/Theft - anywhere - and would be pleased to join a Club to get it, and would be happy to pay £30 p.a. to get insurance.

Can someone advise please? Thankyou.

Regards, Bernard

Hi Bernard,

This topic is regarding Third Party Public Liability for attending shows and racing as well as down at the local lake, this type of insurance does not cover loss through theft or fire, however if you speak to your household insurer you may be able to get them covered under that policy.
Or give Walker Midgley a call they have a policy that is suitable for your needs, In the Schedule of Cover, Section 1, Property Damage , full details can be found on their website  www.walkermidgley.co.uk or tel: 0114 250 2770

Regards
Scoop

[Dekan]

Just a thought..... If you  fly model aircraft,The BMFA insurance covers model boats....

[scoop]

Just a thought..... If you  fly model aircraft,The BMFA insurance covers model boats....

Another thought.....thanks for reminding me.....the insurance BMPRS uses covers you for flying as well as many other forms of model use, eg cars, trains and of course boats  but it excludes jet enguines (other than jetex) gas turbines and rockets.

Regards
Scoop

[horatio123]

As new member of the site I have just read all this about insurance .
I am Captain of my local  Model Boat Club in the New Forest , we are required to have insurance by the Rules of the Forestry Commission who own our sailing water , we need to have cover for Third Party Claims for £5m  at all times the lake is in use by the club and have to provide annual proof of cover to the FC  . Walker Midgley provide our cover and it  covers the club and individual members at any exhibition venue or sailing venue as well as at  our own lake . Our annual individual membership is only £10 a year  and it  includes the insurance cover for members wherever they sail . We are not allowed fast electric or IC boats by the FC rules , We have not had any claims but peace of mind is there when we have lots of General Public visitors walking around on club days (4/5 days a week ) . Visitors wishing to sail who are not members of another club/ with their own insurance are charged £1.50 for the day (temporary membership and insurance) .
 You may be interested to note that we are also responsible for the protection of the environment , public safety and  compliance with the FC By laws  ( no lighting of fires, BBQs , wildlife and fauna protection etc etc ) we are requested to notify the FC of anyone not complying and we do get regular inspections by Wardens .  We are also advised to have a First aid Kit and a Mobile Phone available at the venue .
 Benefits worth being a club member for as well as the meeting of like minded people to enjoy sailing model boats !!!

[DickyD]

Hi David how are you ?

I think I have some way to go still before I can get down to the lake again but am keeping my fingers crossed.

[CF-FZG]

Like I said earlier £10 £20 fees for £5 000 000 cover  prove the insures have never had to make a big pay out.

Not if it's the same as model aircraft insurers, it means they don't pay out very often, (and most sports, including modelling activities, are covered on the same underwritten policy).  There's been some big claims on BMFA insurance - the biggest, IIRC, was caused by someone losing an eye after being hit by a paper aeroplane.

One thing to realise about third party liability insurance, is that they will only pay out if you are found to be liable - no liability, no payout.


Mark

[john s 2]

Just an out of interest question, but has there ever been an insurance claim involving a model Boat? I believe
not .Am i to be corrected. If this is so then the companys have made a few bob over the years. John.

[Colin Bishop]

Yes, I think the MPBA have had a few claims against their insurance.

Colin

[john s 2]

Thanks Colin. Did wonder.All the more reason to be covered . Thanks. John.

[scoop]

As new member of the site I have just read all this about insurance .
I am Captain of my local  Model Boat Club in the New Forest , we are required to have insurance by the Rules of the Forestry Commission who own our sailing water , we need to have cover for Third Party Claims for £5m  at all times the lake is in use by the club and have to provide annual proof of cover to the FC  . Walker Midgley provide our cover and it  covers the club and individual members at any exhibition venue or sailing venue as well as at  our own lake . Our annual individual membership is only £10 a year  and it  includes the insurance cover for members wherever they sail . We are not allowed fast electric or IC boats by the FC rules , We have not had any claims but peace of mind is there when we have lots of General Public visitors walking around on club days (4/5 days a week ) . Visitors wishing to sail who are not members of another club/ with their own insurance are charged £1.50 for the day (temporary membership and insurance) .
 You may be interested to note that we are also responsible for the protection of the environment , public safety and  compliance with the FC By laws  ( no lighting of fires, BBQs , wildlife and fauna protection etc etc ) we are requested to notify the FC of anyone not complying and we do get regular inspections by Wardens .  We are also advised to have a First aid Kit and a Mobile Phone available at the venue .
 Benefits worth being a club member for as well as the meeting of like minded people to enjoy sailing model boats !!!

I would check with your insurers Re: £1.50 for temporary membership for the day. Several years ago I looked after the insurance side of things at my local club and was told by Walker Midgley that only Fully Paid up members are insured under our Public Liability Insurance, temporary members are not insured. So anyone going to shows, venues, races etc it is your obligation to check you and or the venue are fully insured (show organisers can take out insurance to cover the venue and all it's visitors).......if there's an accident and you are proven to be liable with no adequate insurance you will be putting everything you own at risk, house, car, marriage, even the shirt on your back....
Kind regards
Scoop

[DickyD]

Re: £1.50 for temporary membership for the day is only applicable at our lake and no others Scoop.

[Canopus]

By chance I happen to have my houshold insurance in front of me. Under the Occupiers Personal and Employers Liability section (£2,000,000 limit) there is an exclusion which amoungst other things says, we will not cover you for boats and craft designed to be used on or in the water, other than:

- those propelled by oars or paddles
- pedestrian controlled toys or models

There is therefore affiirmative cover for model boats to the tune of £2m third party liability!

If anyone looks at their houshold policies they will see similar language. There is also similar bits throughout the policy but qualified with "other than" again confiming the third party liability section will respond to a model boat accident.

There does not appear to be any other qualifying language so in the absence of any, or any specific exclusion there is full cover for any model boat for free.

Enjoy, Geoff

[Colin Bishop]

£2m may not be enough for official purposes, Councils usually require more. Personally I get mine via the MPBA, it's not really expensive and gives peace of mind.

Colin

[alan colson]

If you exhibit in schools or other council buildings such as the Brighton Centre I am sure that a minimum of £5,000,000 third party liability cover is required. I would imagine it is the same for other exhibition centres such as Warwick, Blackpool etc.

Alan

[Canopus]

I am also a member of the Southend Model Power Boat club and with that come insurance (not certain what limit of hand but suspect £5m) but my point was we already have insurance for our hobby under our buildings/cotents insurance to typically £2m. Whilst I agree it may not be enough for official purposes it is probably enough for all reasonable circumstances.

Interestingly as I have dual insurance it may complcate a pay out!!

All good fun

Geoff

[alan colson]

I have duel insurance being a member of two clubs, I don't see this as a problem, if I had a claim made against me just use one of the insurances. There should be no need to mention both.
Alan

[dodgy geezer]

I have duel insurance being a member of two clubs, I don't see this as a problem, if I had a claim made against me just use one of the insurances. There should be no need to mention both.
Alan

There is invariably a clause in any claim form which asks if your claim is covered by any other insurance. If you do not answer this correctly your claim may, of course, be disallowed if the truth later comes out.

I would be concerned that having two insurance policies covering the same risk and not making each company aware of the fact laid you open to the charge of trying to defraud the companies by preparing to claim twice. And, of course, as mentioned above, there might indeed be a 'duel' between the insurance companies if a claim ever needed to be settled.

I can imagine one company saying that, with two policies, the companies should split the costs 50:50, while the other company might say that the accident occurred on 'X' club's pond, so 'X' should pay. Surely better to sort this out beforehand....?

[alan colson]

Dodgy Geezer, I understand where you are coming from. As a member of two clubs, I have two insurance policies, the thing is in my case that both clubs use the same insurance. As regarding which water you are using, if you are doing an exhibition or out at a show who's water is it? How do I sort this out beforehand?
Alan

[cos918]

go to any show, all exibeters have 2 insurance.
1 the shows public liability insurance.
2 you own public liability insurance.

John

[Subculture]

Why is it that the show organisers don't cover the models exhibited?

[Colin Bishop]

Why is it that the show organisers don't cover the models exhibited?

Depending on the terms of the policy, the organisers could be liable for damage caused by themselves or their agents. I'm told that there was a claim some while ago against the MPBA when the people running an event knocked a model off a table.

As always, the answer is in the small print and not all policies are the same.

Colin

[dodgy geezer]

As regarding which water you are using, if you are doing an exhibition or out at a show who's water is it? How do I sort this out beforehand?

I suspect there is no burden on YOU to sort it. The only point I was making was that you should inform the insurance companies explicitly about the situation. Then the problem becomes theirs to sort.

Sorting problems is a bureaucratic issue. If the insurance companies can throw it at you they will happily sit around for years, because they will have no incentive to get it sorted. If you throw the problem at them by pointing out a possible issue then it turns into their interest to sort it, and I expect that they will do so very quickly.... 

[wibplus]

One point about the whole insurance con comes to mind. 

The insurance companies are out to make as much money as possible for as minimal a risk as they possibly can. They will put in so many exclusions and clauses in a policy that makes the whole policy almost impervious to risk.   

The result of this is to make huge profits without actually providing cover that Joe Public can depend on, there is usually a "get-out" clause or a technicality that enables the company to wriggle out of paying anything.   

Can anyone state facts about a claim that was paid out immediately and without hassle from the insurer ????
I doubt if I will get any takers on that question.       

Rant over.   

[Colin Bishop]

Can anyone state facts about a claim that was paid out immediately and without hassle from the insurer ????

I had to claim on my HSBC travel insurance for a doctor's bill in Madeira last year - they paid out immediately without question on the documenation I submitted.

However, it is certainly true that many insurers do quibble or reject claims on the thinnest grounds. But often they are the companies who give the lowest quotes. That is why I'm always a bit suspicious when people claim to have got really low quotes for motor insurance etc. The proof of the pudding comes when you make a claim.

It should also not be forgotten that a lot of otherwise honest citizens see insurance companies as fair game and see nothing wrong in making inflated or spurious claims. It's war out there!

Colin