Preventing Theft and Lowering Insurance Costs For Your Motor Boat

by Beresford on January 23, 2012


No matter which level of motor boat insurance you have, your insurance premiums will be dictated in some way by your boat’s risk of theft. Insurance companies look favourably upon boats which have a variety of anti-theft devices installed so adding deterrents to thieves are a great way to lower the costs of your motor boat insurance.

The principle of anti-theft devices is to either have a device which prolongs the time it takes to take control of the boat, a device which makes a lot of noise when activated, or a device which can track stolen vehicles or equipment at a later date. Thieves are not looking for high-risk or targets which will require a great deal of effort to steal, they are looking for easy targets.

One simple anti-theft device which can be employed at a minimal cost to you is the padlock and chain. They are simple to get a hold of and only thieves who bring along heavy duty equipment will be able to release the item you have tied down.

Simple changes can also make a great deal of difference to the safety of your equipment. Such measures as taking all loose equipment home with you can do wonders to deter thieves. Remember, if you don’t tempt a thief then they will likely leave your belongings alone.

When dealing with outboard engines the best option is to lock them away privately or clamp them down on to your boat using specialised clamping locks. These locks are incredibly difficult to unlock and only heavy duty equipment can break them by force, otherwise your thief will have to be a master of lock picking in order to break through.

However if you do become a victim of crime then you should make sure you have all your boat identification information on hand so you can help the police with their inquiries and settle your insurance claims as fast as possible. It’s also a good idea to take pictures of your boat from multiple angles too.

If you implement these anti-theft measures then you will not only be able to protect yourself against theft, but you will also be able to reduce the cost of your motor boat insurance premiums in the process so you won’t ever need to worry about insurance claims.

Motor boat insurance is available from www.boatquote.co.uk

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What is a caravan insurance review?

by george on January 18, 2012


A caravan insurance review may sound to be a rather formal and possibly even intimidating prospect, however, the reality may be rather less grave and it may result in a more cost-effective solution for your caravan insurance needs:

• in the caravan insurance industry, things change over time and the policy that may have been cutting edge and innovative two years ago may now be staid and no longer a particularly attractive proposition when compared to other options;

• for example, you may find that an old policy may no longer offer a particularly cost-attractive solution or it may be that other policies now simply offer a range of additional benefits that were not available some time ago;

• a caravan insurance review is simply the process of thinking about both your caravan and how you use it and then comparing that to available options in the marketplace, as well as to any existing policy that you already have in place;

• it might be the case that the caravan insurance review confirms that your existing cover is perfectly adequate and an excellent solution to your needs, as well as being excellent when compared to other options in the marketplace;

• if that is the case then you may well have cause for satisfaction but you may not be able to be sure of that unless you perform such a review;

• of course, if the review indicates that your existing policy is lacking in certain respects, then you may have the opportunity to do something about it – an opportunity that may not have existed unless you had performed the review in the first place;

• when the looking at these matters, it may be worth also looking carefully at whether the way you use your caravan has changed over recent years; as this may affect your conclusions;

• an example of that may be in situations where some time ago you were not taking your touring caravan overseas but now are – if your existing policy provides only UK cover as standard and you need to take out additional cover before going to the continent, then you may be better served by a policy which provides continental cover as part of its basic protection;

• it may be a fairly safe bet to say that relatively few of us instinctively relish the prospect of needing to sit down and think about our caravan insurance and perform the above-mentioned caravan insurance review, yet doing so may end up saving you money and/or providing you with improved protection.

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What to Do in the Event of Denial of a Home Insurance Claim

January 13, 2012

While there are no laws specifically stating that you’re required to carry home insurance, the thought of not having insurance when you need it is enough to give anyone indigestion. So what are you supposed to do when that safety net you thought had you covered falls through and your claim is denied? It might [...]

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