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Insurance<br />
All resident craft berthed or moored within the <strong>Harbour</strong> must be<br />
covered by insurance for third party liabilities – the present requirement<br />
is £2 million. Failure to maintain this insurance cover will result in the<br />
cancellation of a private mooring licence<br />
Do you really need<br />
marine insurance?<br />
By Jack Hennings: A-Plan Insurance<br />
<strong>The</strong> <strong>Poole</strong> <strong>Harbour</strong> <strong>Guide</strong> ~ <strong>2013</strong><br />
<strong>The</strong> photographs on these pages are courtesy of David Harding of sailingscenes.com<br />
Marine Insurance, is it really necessary? From a legal<br />
standpoint, the answer’s no, but if you want to be able<br />
to moor or berth your vessel within <strong>Poole</strong> <strong>Harbour</strong>, or<br />
be able to use many facilities elsewhere, the response<br />
is a resounding ‘yes’. Nearly all marinas and harbours<br />
require you to have suitable third party insurance (in<br />
case you cause injury or damage to another person or<br />
vessel) before mooring and many boat owners<br />
understand the importance of insurance to protect<br />
their craft against fire, theft or accidental damage.<br />
While it is possible to arrange marine insurance<br />
yourself, given its complexity, many owners choose to<br />
use an insurance broker, who can offer impartial and<br />
expert advice, specific to the owner’s particular needs<br />
– and ensure your premium is competitive. <strong>The</strong> value<br />
of using an insurance broker can also be felt if you have<br />
to make a claim on your policy; your broker can<br />
manage the claim for you and negotiate with the<br />
insurer on your behalf.
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