Insurance

Welcome to the Harbour World Insurance Team

With Insurance rising on an annual basis, Harbour World knows just how important it is for its customers to obtain the best quotes for their particular craft.

It also recognises that Price isn't everything when selecting the best policy.

Listed below are some of the additional considerations one should make before selecting:-

1) 3rd Party Liability, or Fully Comprehensive
2) Legal Cover (optional)
3) Policy Excess (negotiable)

3rd Party Liability means just that, ie anyone else that is responsible for damaging your craft (but not in transit) is liable, and your insurance company will seek to cover costs.

3rd Party Liability is also the minimum requirement for launching your boat either in a Sailing Club environment, or a shore based slip.

Fully Comprehensive is a full insurance product. By proving the relevant details, you and your boat will be insured at all times, including in transit too or from the water.

Legal Cover is an optional extra if required. If for what ever reasons you need to contact your Insurance company due to damage to the boat or any other disasters, by having legal cover, if the situation needed a decision in court to establish guilt, all your costs would be covered.

Policy Excess is the money you pay when you need to make a claim. Insurance companies change the policy excess depending on the boat, where it is stored and many other factors. Insurance companies are different in the way they calculate the excess, but you may find you are able to lower your annual charge by increasing your policy excess.