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[AL 1]

HI CAN ANYONE TELL ME WHERE I CAN GET MODEL BOAT INSURANCE THANKS AL

[Colin Bishop]

Basically, join a club or join the Model Power Boat Association. But check the conditions carefully.

[Stavros]

Where you from is the obvious question but more importantly where do you sail.If there is a club sailing at the lake you should be able to join and get ins through them


Stavros

[AL 1]

I AM IN SOUTHEAST LONDON I SAIL AT CLPHAM COMMON BUT THERE IS ONLY A YACHT CLUB THERE THANKS AL

[nhp651]

hi, do you want to insure your boat against damage and loss, or do you want to insure for third parties claiming against you by injuring them selves on your boat. you don't say.if it's the former I can supply an insurer's name for such losses.

[AL 1]

HI I JUST WANT TO INSURE MY BOATS FOR THE THIRD PARTY SO I CAN ATTEND EVENTS THANKS AL

[gingyer]

there is a company called Walker Midgley who specialise in modelling insurance
here is their website http://www.walkermidgley.co.uk/

It may be worth checking to see even if the yacht people would let you join just for
the insurance

[AL 1]

OK I  WILL GIVE IT A TRY MANY THANKS AL

[Mankster]

As you have a sub, you may want to join the AMS, http://www.modelsubmarines.org/
£18 a year which includes a quarterly journal and insurance     
"We provide your (very necessary) public liability insurance. This currently provides £2m cover anytime anywhere in Europe and includes cover for all Boats, Steam Locomotives (Up to 60psi) and R/C Model Aircraft up to 40cc engine size."

[dms toucan]

Try www.walkermidgley.co.uk 
Martin

[andygh]

I know I'm being a bit stupid but can someone explain why public liability insurance is necessary for model boating? It's probably obvious but I really don't know the answer

[portside II]

Just my thought too ,
model boats in my opinion are to be used for their intended purpose ,to be seen in their natural enviroment (on the water).
Now if i am sailing my trafalgar  two feet under the water and i collide with joe public and hurt them ,what the hell are they doing in the bloody pond    .
No but seriously if you display your models for the public and joe public is injured by your model (in any way) then they may have a claim for damages,in this world of litigation and every time you turn your telly on there is someone telling you not only that you can claim for injury but now you can claim if your original claim was'nt enough  >:( .
Even sticking a notice on your beloved model stating (do not touch) will not stop fingers probing around the sharp bits .
daz

[barriew]

I know I'm being a bit stupid but can someone explain why public liability insurance is necessary for model boating? It's probably obvious but I really don't know the answer

In addition, most owners of the waters we sail on will require this insurance. You also have to remember that some people sail very fast I/C boats which if they leave the water can inflict serious injury. We had a case at our water, though not a member of our club thankfully.

Barrie

[Youngat65]

Why do we need insurance ? answer is simple "It's the world we live in " I think we have been down this road before I have Public Liability Insurance which covers me and my boats for up to £2.5 million pounds where did I get it , I already had it in my household insurance, .all I did was get the insurance company to add a clause saying the third party liability covered the use of model boats in public places
           Cheers
                BobB

[alan colson]

I believe some of you may be short on cover, especially the submariners, when displaying at Brighton Modelworld earlier this year the Council required £5 million cover, I think this is the case if you exhibit in many Council properties.
Walker Midgley have arranged the cover for my club and it is set at £5 million.
Alan

[cos918]

I believe some of you may be short on cover, especially the submariners, when displaying at Brighton Modelworld earlier this year the Council required £5 million cover, I think this is the case if you exhibit in many Council properties.
Walker Midgley have arranged the cover for my club and it is set at £5 million.
Alan

5 million is that a bit much. I know we live in the mad world were ever one has a lawyer on speed dial but common on when a hospital all most kills people most pay out never get near 5 million . So surly Joe public ant going to get near that for cutting his finger on your boat. But then you could do dog eats dog and sue him for  damage to property.

john

[alan colson]

If you have an electrical fire in a model and burn down a building such as the Brighton Centre, how much is the rebuild going to be? You have also got to think about all the other exhibits on display, boats, planes, cars, trains, dolls houses etc.etc. Better safe than sorry in my opinion. You have got to remember that these models are left at the show over night on Thursday, Friday and Saturday, one small mistake is all it takes.
Alan

[bogstandard]

I think you will find that most councils and exhibition venues are already starting to ask for £5m insurance cover. Our local council does.

Once one catches hold of it, it usually becomes the norm fairly quickly. Dustbin lids over the backside.

John

[bbdave]

Why do we need insurance ? answer is simple "It's the world we live in " I think we have been down this road before I have Public Liability Insurance which covers me and my boats for up to £2.5 million pounds where did I get it , I already had it in my household insurance, .all I did was get the insurance company to add a clause saying the third party liability covered the use of model boats in public places
           Cheers
                BobB

So if u were to damage someone elses boat by lets say throwing yours in and hitting mine how much would i get BOB!  >:(

[andygh]

If you have an electrical fire in a model and burn down a building such as the Brighton Centre, how much is the rebuild going to be? You have also got to think about all the other exhibits on display, boats, planes, cars, trains, dolls houses etc.etc. Better safe than sorry in my opinion. You have got to remember that these models are left at the show over night on Thursday, Friday and Saturday, one small mistake is all it takes.
Alan

Yes, I can see that a boat could, at a stretch, just possibly start a fire when exhibited but that isn't what I mean. What I don't understand is, when I'm sailing my scale tug or scale sailing barge down at the park why do I need to have millions of pounds of cover? IC boats, steam engined boats or even fast electrics could cause harm to an individual in some unlikely scenario, maybe, but does anyone know the actual number of 3rd parties maimed or injured by any of them? Never mind 3rd parties injured by broken goosenecks or Kort nozzles exploding. What are the chances and why £5 million quid?

Either the world's gone mad or I have  :-\

[kiteman1]

Think about it Andy.  If you've got no insurance on your boats that means no bonus for the Insurance company directors to trouser.
If you buy insurance they can then come back at the year end and say 'Yes, but you could have had an accident and it's wiser to be covered'.

I've just renewed my household insurance with the same company who wanted an 8.5% increase on last year.  When I asked why and suggested I'd look for a better quote as they didn't offer a no claims bonus they then said that last year's price would hold for this year.

If you want cover you have to pay and only get what you pay for.  The small print is always too small for me to read.  I wonder why!!

[alan colson]

andygh
you may not require as much as £5million on such an occasion, but, if you exhibit at a council owned premises you will more often than not require it. So if your club is covered for that ammount you have no problem. What you must realise is that even if you do not require it because maybe you keep yourself to yourself, others within the club do need that ammount. Not all my friends, club members go and exhibit at shows but the club has to cover all members for all occasions. NOW IS IT CLEAR
Alan

[andygh]

NOW IS IT CLEAR

Well it's clear that I'm subsidising someone else I suppose.

I think basically kiteman is correct, insurance companies rarely if ever have to pay out on model boat policies so it's a nice little earner for them with hardly any risk and we unquestioningly stick our hands in our pockets yet again.

Just don't get me started on the NHS & the benefits system  >:(

[alan colson]

We have a large membership in the club, about 150 I think, which works out at about £2-00 each a year, better than taking out your own policy.
Alan

[andygh]

Still unfair though eh?