Surveys required to obtain or renew insurance
Many insurance companies require you to supply them with a survey report prior to offering or renewing vessel insurance.
This is often the case when a boat changes ownership or reaches a certain age (usually 20 years), after which the insurance company may require a survey every 5 years before agreeing to renew your insurance.
When conducting a survey for insurance purposes, we inspect all essential elements of the vessel, including the structure, machinery, rigging, and steering system.
As part of a survey required by your insurance company, it may be advisable to include a sea trial, comprehensive photo documentation or valuation.
Following completion of the survey, you will be provided with a basic Vessel Condition Report for insurance purposes which may include a limited number of photos to illustrate specific areas of interest. If requested prior to the survey, we can also carry out comprehensive photo documentation of the survey.
Damage assessment surveys for insurance claims
We recommend carrying out an independent assessment when submitting an insurance claim for damage sustained to your boat.
Assessments made by insurance companies prior to authorisation of repairs are not impartial, and the assessors carrying out the inspection may not have a sound knowledge of boats or adequate experience to be able to identify all areas of damage.
As a result, repairs authorised by your insurance company may not include all damages, with additional costs becoming apparent over time. This is particularly relevant in the case of older wooden boats, where hidden damage may extend well beyond the immediate area of impact.
Once we have carried out a thorough inspection of the damages, you will be provided with a Vessel Condition Report for insurance purposes focusing on the damaged area and any peripheral damage. This report may include a limited number of photos to illustrate specific areas of interest. If requested prior to the survey, we can also carry out comprehensive photo documentation of the survey.
As part of a damage assessment, it may also be advisable to include a sea trial or valuation.
If repairs are required, we are also available to project manage and supervise any repairs.
Read our Terms and Conditions