Workboat

When you are considering insurance for your Workboat, it is important to make sure that your boat insurance is adequate for your needs, and not to forget additional equipment such as trailers, trolleys and safety equipment that can be easily overlooked and are often costly to replace. Most accessories and equipment that is specific to your boating activities can be covered by boat insurance if you opt to include them. Yachtsman insurance will usually cover: Accidental Damage Fire or Explosion Theft or Attempted Theft Malicious Damage / Vandalism Storm Damage and Your liability for damage or injury to other parties. If you have paid crew onboard you can also extend your liability cover at an additional premium to include cover for your paid crew. Boat insurance policies generally do not cover: Wear, tear, depreciation, gradual deterioration e.g. corrosion or electrolysis Mechanical breakdown Damaged deliberately caused by you Faulty workmanship. For full details of Yachtsman Yacht & Motorboat Insurance cover and exclusions please read our policy wording and Insurance Product Information Documents.

Liability for damage caused to other people or their property whilst towing your Work Boat should be covered by the motor insurance policy of the towing vehicle. Most motor insurers cover towing for personal use but you should check with them before doing so. Most insurers cover your boat when it is being towed but check your policy carefully and contact your insurance company if you are not sure. Many insurers restrict road transit to boats under a certain length, 9 metres is quite a common limit.

In most cases, the answer is 'yes' although some insurers charge extra for using your boat in winter months. If your Certificate of Insurance states a laid up period, this is generally down to the mooring location or the type of boat. You can still use your boat on a launch & retrieve bases but it cannot be left on the water when not in use. Please refer to the endorsement section of your Certificate of insurance to check the conditions of your policy

It is also a condition of many boat insurance policies that your Workboat is maintained correctly and in a seaworthy condition. Whilst it is important to ensure your boat insurance policy will be valid in the event of a claim, this is also good practice to ensure that you and your passengers and/or crew are safe when on the water. It is important to ensure that all systems of a boat are checked and, as necessary, maintained in accordance with manufacturers guidelines or generally acknowledged best practice. If you are unsure it is worth getting professional advice from a yard or surveyor.

You can contact our New Business Team for a Quotation 045982668 or email yachtsupport@yachtsman.ie

Years’ experience is how long you have been using a similar vessel of the same length and type and within similar cruising areas as the one you are looking to insure. You do not need to have owned the vessel yourself, it may be you gained your experience using another person’s vessel.