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WTF! Just name the company already. You post enough questions on here asking for help from others and won't answer one yourself. Poor form - allegedly!Originally Posted by PeterInSA
I am with CGU insurance. I had an accident with the boat on the way back from 1770, and they covered all the damages to the trailer and boat. Easy process with them, just get the quotes, pass onto assessor, then they organise the rest, including putting boat and trailer on a tilt-tray to remove for repairs. They even informed me that I could of had the boat tilt-trayed home from where I was and they'd cover the costs.
WTF! Just name the company already. You post enough questions on here asking for help from others and won't answer one yourself. Poor form - allegedly!
I checked this out today before I paid my premium.
Club marine cover your boat and trailer while towing, but don't cover any damage it might cause to other peoples property.
Comprehensive car insurance (suncorp) doesn't cover your boat or trailer while towing but will cover any damage they may cause to other peoples property.
So says the policies I've got anyway.
Hope this helps
Cheers
Reg
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eh that club marine insurance is broken, how can one insurance the boat itself and not damage it may cause to others, lol... it as good as if u waste a house while towing, you'll get a new boat.. but you'll need pay for the house damage you caused which can exceed 500k LOL not the best insurance lol...
but then the idea of insurance to give u the peace of mind that your covered... in saying that, in reality your only win win is making sure your werent at fault lol, so check all your thing before towing and there no rush or excuse for speeding
accidentally damage that are refer to whom fault and how.... there not many trust me, lol
any head on crash = who ever on the wrong side of the road
getting hit from the left side = driver on right hand at fault for not looking before switching lane, when one blinks to go left or right, they need to be make sure it safe, the driver in the left or right has the option to give way or not,
flat wheel = your fault if you are towing and it pops and spin out of control
flat wheel caused by the road = council fault if you ran into something that took your wheels out then you cause an accident
flat wheel cause by pot holes = your fault if you failed to listen to radio/news or seeking different route, main roads fault if that the only way
trailer dislodging = your fault if it came off
some one raming up your ass = there fault for not keep a min of 10m, and consider tail taging
failed to break on time = your fault
speeding = your fault
tiping on the side during a turn = your fault for speeding
tiping on the side in high wind = your fault for speeding
falling into a ditch = your fault if it not evasion action cause by other
falling into a ditch or causing crash due to live stock = your fault, just hit the dam thing, if it a cow the owner of it will pay, if it kangroo your screwed
causing accident due to pedestrian = your fault, within city or uber areas...
truck nudge you off the road = truck fault
truck scarying you off the road then cause an accident = truck fault
failed to put hand break on and cause an accident = your fault
speed camera shock you = your fault for speeding
Now here some highlight on insurance
any modded such as extra motor, pods = void without the approval of the insurance
mooring = void for most insurance
water ski are not covered unless spec
if a repair mechanic breaks your boat, that it for you
if your maintenance isnt done by licensed person then it void
no personal content is covered in event of accident
taking out your own property in an accident isnt cover by alot
boat falling off the ramp due to stupidity are not cover, only afew
any known person to you, attempt to steal your boat or cause damage to it is void unless spec by police
towing a boat cover is all insurance under state law now however damage will not be cover if your at fault due to one of the above, therefore if the following occurs
the boat dislodge and killed / hurt someone / damage property due to someone else fault, your to blame for not secure it down, if the attachment breaks, your to blame for failing the legal tow weight and exceeding 85% of your GVM
now it very important you all check that chain that connect the boat to the trailer can support the weight of it, located next to boat winch.. that your main problem, and your chain to your trailer to your tow vehicle
however if the whole set, such your vehicle and boat is still attach while causing damage, due to someone else fault then your free of charge
if your accident is one of the above that clearly state your fault then.. hope you got deep pockets
This insurance talk has made start thinking about the coverage I have.
All my vehicles and house are with AAMI and I have just got off the telephone to them. They have advised me that my boat is NOT covered if damaged or destroyed while being towed with my vehicle which is insured with AAMI if involved in a motor vehicle accident.
I'm currently insured with Club Marine. I have just read their PDS and the following has been cut and pasted from their PDS. I have also attached the link to their PDS.
What We don’t cover
We will not cover legal liability:
1. Incurred by boat builders, repairers, yacht clubs
or marina operators unless they are in charge of
or in control of Your Boat in an emergency for the purpose of minimising any loss or damage covered by Section 1 of Your Policy;
2. Arising other than from the Hull, Motors, Masts, Spars, Rigging, Sails, Equipment and Accessories being on and/or used on Your Boat, Boat Tender or Trailer;
3. Incurred while Your Boat is attached to or when
it becomes accidentally detached from a motor vehicle in motion, other than during launching or hauling out of the Boat from the water;
4. For loss or damage occurring to property owned by You or in Your physical or legal control or owned by any person using Your Boat or in their physical or legal control;
The Club Marine PDS can be found here,
http://www.clubmarine.com.au/interne...raft+Insurance
Time start looking elsewhere.
What companies are fellow members insured with (NSW) that covers your boat while being towed by a motor vehicle with to the ramp or on a longer trip.
Interested to see results
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So have I got this right?
Club Marine won’t cover any damage your boat may cause while in transit if the boat becomes totally detached, or still attached and you side swipe a car taking a corner to tight making contact with the boat, or you hit a person with your boat while in transit etc,etc, so any damage while being towed is not on Club Marine.
Is Club Marines thinking that if you've got your boat insured then you should also have your car insured, and that it is essentially double dipping and not necessary so as to keep Club Marine policies as cheap as possible?
yes correction AAMI no longer insurance boat now
Marine Club
Section 1
Including whilst Your Boat is in transit on its ownTrailer provided Your Boat is designed to be towedon the Trailer and all statutes and laws regardingthe towing of Your Boat on the Trailer are complied with.
that cover your boat alone when towing, therefore its limited and damage or loss only counts if it not your fault
Rule 3.
Incurred while Your Boat is attached to or when it becomes accidentally detached from a motor vehicle in motion, other than during launching or hauling out of the Boat from the water;
refer to my statement
if boat dislodge and killed / hurt someone / damage property due to someone else fault, your to blame for not secure it down, if the attachment breaks, your to blame for failing the legal tow weight and exceeding 85% of your GVM
now it very important you all check that chain that connect the boat to the trailer can support the weight of it, located next to boat winch.. that your main problem, and your chain to your trailer to your tow vehicle
however if the whole set, such your vehicle and boat is still attach while causing damage, due to someone else fault then your free of charge otherwise your out of luck
to the other question, if you nick a car while turning, that your fault and is consider a motor damage not boat sadly, therefore not claimable on boat insurance, if u hurt someone with a boat in transit that motor insurance... a boat cant move on it own without a motor vehicle
That seems to be how it works fishing111.
The missing policy in this whole thing is third party personal & property only for a boat while it's on the water.
To get that you need to take out full comprehensive insurance on the boat which is not a proposition for many people with cheaper boats.
no such thing as full comprehensive on a boat, not that i know of, damage from boat that isnt on water is very highly unlikly to happen unless it was intended but very limited, in the US where there bridge go over housing where a chance trailer / load falling into there home could happen, but here in AU, he only have hills and ditchs.. if it happened your motor vehicle will be the cause of it, therefore it'll fall under the motor insurance... same thing with hitting a person on the road with your boat while it attach come under motor vehicle
boat insurance is very limited, that why many dont have insurance on them... to make it simple... boat insurance only works if it on water / not your fault / on a secure yard everything else is just a sweet sales men
if you live in cairns for example and you just fish in the inlet.. no point of insurance.. the area is all mud, it almost near 0% to cause a boat crash, and if you sink for odd reason, your boat isnt upto maintenance case close on that
if you live in cairns and venture the reef and hit reef, no insurance gonna cover you lol, first thing there gonna bitch about is.. you got a licensed? therefore you can read beacons, therefore you know how to read a sounder, therefore it was an intended, therefore void claim
an insurance is only there to protect yourself from out expense pocket, nothing else that isnt your fault
Is that you Kerry?
Wow, how complacent we get. This got me thinking too. I've just checked the available info on my Club marine policy and it's minimal. The towing insurance appears to only cover my boat/trailer while launching or retrieving. I hope I've misread this. Third party liability to $10k, doesn't cover much these days and doesn't say whether that's third party on the water only or on road as well. AND it's got my motor listed as an E-E-E Evinrude (nearly couldn't even say it) instead of my Yamaha, definitely calling them tomorrow to clear a few things up or change companies, whichever is most successful.
yes you have misread it. Club marine covers at fault damage to your boat in transit, your tow vehicles insurance must cover any damaged the boat cause to others. (Read your vehicle insurers pds to ensure your covered)
What we cover :
Including whilst Your Boat is in transit on its ownTrailer provided Your Boat is designed to be towedon the Trailer and all statutes and laws regardingthe towing of Your Boat on the Trailer are compliedwith.
Kids who Hunt and Fish, Don't Deal and Steal.
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