- January is the top month for boat claims
- Theft of outboards has risen 40% in the last 5 years
The clocks going back this weekend hails the end of the boating season for many, and the start of a vulnerable time of the year for boats. The winter lay-up is fundamental in helping to protect boats throughout the colder months, warns leading UK pleasure boat insurer Navigators & General (N&G).
Even though the majority of boats are not used in January, it remains one of the worst months of the year for boat insurance claims, with a 66% higher volume of claims than the monthly average over the last five full years*, according to N&G. The prolonged nature of last winter’s storms also meant that N&G saw 32% more claims for storm damage to boats at the end of 2013.
It is common for boat owners to check their vessel in the New Year, but the damage may well have been caused in the preceding few months while their craft was unattended. Key factors include:
- Sub-zero temperatures which can cause frost damage to engines.
- Prolonged heavy rain can not only damage electrics but combined with leaves blocking drain holes can also put boats at risk of flooding and sinking.
- High-winds can rip sails and cause boats and trees to blow over, potentially crushing other vessels stored nearby.
With boats traditionally laid-up for the winter, damage can go unnoticed for longer than usual which can exacerbate any problems – for example, a small leak can cause significant damage to a boat’s interior and mechanics and, in extreme circumstances, lead to sinking.
The longer nights and cold weather mean fewer people are around at boat yards, potentially making them an easy target for theft and vandalism. N&G has seen an average 40% rise in the theft of outboard motors over the last five years.*
Paul Emery, Head of Navigators & General, said:
“The prolonged period of storms last winter resulted in a huge increase in the number of damaged boat claims.
“To ensure your boat is properly laid-up we recommend carrying out checks every couple of weeks, particularly when a bad spell of weather is expected. Spring may seem a long way off, but taking a few key measures to protect your boat during the winter period could help avoid a lot of unnecessary stress and inconvenience in the New Year.
“Over just a few months ropes can wear, fenders burst, bilge pump batteries run down, sails become unfurled, cockpit drains block with leaves, and lines work lose.
“While boat insurance is there for if the worst happens, most policies will not cover damage caused by leaks or vessels which have not been properly maintained.”
Navigators & General’s advice for protecting your boat this winter:
- Remove all expensive equipment such as radios, GPS, navigation and electronic equipment, TV’s, CD players etc and store them in a safe place.
- Remove the outboard, tender and life-raft.
- Leave empty lockers and drawers ajar to ventilate and deter thieves.
- Drain down water and heating systems.
- Have engines professionally winterised or ensure that you carefully follow all of the manufacturer’s recommendations to avoid frost damage.
- Remove berth cushions to a dry environment.
- Remove furled headsails, mainsails, covers, dodgers and spray hoods.
- Take out halyards leaving a mouse line and thoroughly wash and check for wear.
- Check all backstays for wear at top batten point.
- Check all standing rigging for broken strands and rigging screws for wear.
- Ensure the yard use cross bracing if using wooden shores, for extra safety.
- Ensure that whilst ashore the trim of the craft is correct, to allow cockpit drains to be effective and avoid rainwater building up on decks or within the craft.
- Do not tie covers or tarpaulins to wooden shores or cross bracing.
- Preferably use only close fitting covers to avoid additional windage.
- Place tie-on labels on the wheel and engine controls to remind you to check all skin fittings, impellers, seacocks and transducers prior to launching/starting the engine.
- Disconnect batteries and leave them fully charged.
- Do check the craft periodically during the winter months unless you have made a specific arrangement for this to be done on your behalf. Do not assume that the rental of space will include this service.
- Avoid running fuel tanks too low due to risk of sucking dirt into filters or condensation in the tank space.
For more information or to get a quote visit www.navandgen.co.uk
* Navigators & General claims data for pleasure craft including small craft and Prestige, 01 January 2008 to 31 December 2012, unless stated otherwise. On average, July is the only month of the year which is worse than January for boat insurance claims.
Notes to Editors
Navigators & General is a member of the Zurich Insurance Group.
Zurich in the UK
Zurich provides a suite of general insurance and life insurance products to retail and corporate customers. The UK General Insurance division supplies personal, commercial and local authority insurance through a variety of distribution channels. Zurich’s UK Life business* offers a range of personal protection, pensions and investment policies available through financial intermediaries. UK life also provides protection and pensions policies for the corporate market available through employee benefit consultants.
Based at 21 locations all across the UK - with large sites in Birmingham, Cardiff, Farnborough, Glasgow, London, Swindon and Whiteley - Zurich employs approximately 7,000 people in the UK.
Corporate Responsibility is an integral part of how we do business and Zurich understands the need to set and maintain high standards of integrity towards our customers, employees, local communities, society and the environment. As a result of this work, Zurich participates annually in 'Business in the Community's' annual Corporate Responsibility Index. Zurich in the UK was also one of the first recipients of the Business in the Community ‘CommunityMark’. This award is the UK's only national standard that publicly recognises excellent practice in community investment which in Zurich's case is mainly delivered by the Zurich Community Trust, the charitable arm of Zurich in the UK. For more information about the Zurich's commitment to Corporate Responsibility and the Trust's work, please visit our website here.
Zurich Insurance Group (Zurich) is a leading multi-line insurer that serves its customers in global and local markets. With more than 55,000 employees, it provides a wide range of general insurance and life insurance products and services. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, including multinational corporations, in more than 170 countries. The Group is headquartered in Zurich, Switzerland, where it was founded in 1872. The holding company, Zurich Insurance Group Ltd (ZURN), is listed on the SIX Swiss Exchange and has a level I American Depositary Receipt (ZURVY) program, which is traded over-the-counter on OTCQX. Further information about Zurich is available at www.zurich.com.
*Zurich’s UK Life business is operated primarily through two entities: Zurich Assurance Ltd and Sterling ISA Managers Ltd. Zurich Assurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Sterling ISA Managers Limited is authorised and regulated by the Financial Conduct Authority.