The Poole Harbour Guide 2012 - Poole Harbour Commissioners

Do you really need marine insurance?
Marine Insurance, is it really necessary? From a legal
standpoint, the answer’s no, but if you want to be able
to moor or berth your vessel within Poole Harbour, or
be able to use many facilities elsewhere, the response is
a resounding ‘yes’. Nearly all marinas and harbours
require you to have suitable third party insurance (in
case you cause injury or damage to another person or
vessel) before mooring and many boat owners
understand the importance of insurance to protect their
craft against fire, theft or accidental damage.
While it is possible to arrange marine insurance
yourself, given its complexity, many owners choose to
use an insurance broker, who can offer impartial and
expert advice, specific to the owner’s particular needs
– and ensure your premium is competitive. The value
Yacht & Motorboat Insurance
Photo by David Harding of www.sailingscenes.com
By Jack Hennings: A-Plan Insurance
of using an insurance broker can also be felt if you have
to make a claim on your policy; your broker can
manage the claim for you and negotiate with the
insurer on your behalf.
Whether you are seeking insurance for the first time
or looking to change provider, find out from other boat
owners what they think of their current provider.
If they have enjoyed good service (especially when
making a claim) and have competitive premiums, ask
more about who arranges their insurance! But above all,
when arranging marine insurance, make sure you have
the right level of cover to protect yourself and your craft
– giving you peace of mind when out on the water.
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