What expensive tricks have Merlin sailors been up to? Having agreed to buy Chris Barlow's beautifully restored 2121 - Half Cut, I expected to just add it as another boat to my existing insurance with fleet discount but no - "we don't cover Merlin Rockets". As a concession, I could have third party only because I'm a long standing customer with 3 boats and no claims but I wanted fully comp. |
Welcome, newcomer! |
I agree that Merlin insurance isn't cheap for an old boat, but i've never had problems getting cover. |
Bishop Skinner is the company most on the forum have ended up with. The problem is to do with size of claims as Chris says, if you have a beautifully restored old boat and collide with a river cruiser it will cost as much to fix as a much newer and more expensive boat. Some years ago Newton Crum used to have a system where you broke down your insured value of the boat into hull, spars, sails etc. and on an older boat if you have a serious incident (i broke a mast & it trashed the foredeck and punched a hole through the bottom of the boat) the repair costs will greatly exceed the value of the hull based on purchase or possible resale price. |
Bishop Skinner is my fav, that reminds me, I need to take Bald Eagle off cover having sold it several months ago. http://www.craftinsure.com/ |
I would disagree regarding craftinsure having just changed my insurance from them to Bishop Skinner who were 50% cheaper.. |
CraftInsure were 50% more expensive than Bishop Skinner and Newton Crum were over twice Bishop Skinner's price! Yet all of the quotes were more than I pay my Lark which is insured for more than twice as much as the Merlin! |
Kicker is crews job => don't want your head in the boat when there's all those lovely tell-tales / shifts / other boats / marks to look at now would we? Try and rig them closer to the gunwhales than the centre as your crew will upset the balance if they have to lean in to adjust it. |
So, how do you come up with an acceptable value for insurance purposes? Having a real bitch with the companies here... M... M... Ma... Mar... Me?.. aha Melges... could it be a Melges? Ummm No, it couldn't... Mer... Hmmm... Merlin... its not on our list... Is that one of those Mexican boat yards? Perhaps it has a Spanish name...?!# Oh, its a custom job you say, home built you say, wooden you say? well, hmmm, have you had it assessed by a marine surveyor yet? http://home.nycap.rr.com/thekeelings/MerlinRocket3.html |
Kicker is lead back both sides to fall by helm's forward hand (behind thwart in Lark) and helm plays it by feel and looking at sail shape. We find it makes a difference but we sail in shifty conditions. |
NY John, sorry to hear underwriters are giving you grief. If they insist on a survey, see if they'll accept one from a member of the IIMS, see www.iims.org.uk, which is an international body with member surveyors in NY state. These surveyors probably won't know a Merlin from a hole in the wall anymore than any other surveyor out there, BUT, tell 'em to ring Capt Ian Biles in the UK, who most certainly will know what a MR is, and can tell them all they need to know. As Ian was one of the founders of IIMS, his word does carry some clout! |