SAILING BOAT INSURANCE

 

 

 

A sailboat or sailing boat is a boat propelled partly or entirely by sails, which are in turn wind powered. The generic term covers a variety of boats, larger than small vessels such as sailboards and smaller than sailing ships, but distinctions in the size are not strictly defined and what constitutes a sailing ship, sailboat, or a smaller vessel (such as a sailboard) varies by region and maritime culture.

At present, a great number of sailboat-types may be distinguished. Apart from size, sailboats may be distinguished by a hull configuration (monohull, catamaran, trimaran), keel type (full, fin, wing, centerboard etc.), purpose (sport, racing, cruising), number and configuration of masts, and sail plan. Although sailboat terminology has varied across history, many terms now have specific meanings in the context of modern yachting.


HULLS

Traditional sailboats are monohulls, but multi-hull catamarans and trimarans are gaining popularity. Monohull boats generally rely on ballast for stability, and usually are displacement hulls. This stabilizing ballast can, in boats designed for racing, be as much as 50% of the weight of the boat, but is generally around 30%. It creates two problems; one, it gives the monohull tremendous inertia, making it less maneuverable and reducing its acceleration. Secondly, unless it has been built with buoyant foam or air tanks, if a monohull fills with water, it will sink.

Handbook of offshore cruising: The Dream and Reality of Modern Ocean Cruising. "... the weight of a multihull, of this length, is probably not much more than half the weight of a monohull of the same length and it can be sailed with less crew effort."

Multihulls rely on the geometry and the broad stance of the multiple hulls for their stability, eschewing any form of ballast. Indeed, multihulls are designed to be as light-weight as possible, yet maintain structural integrity. They are often built with foam-filled flotation chambers and many modern commercial trimarans are rated as unsinkable, meaning that, should every crew compartment be completely filled with water, the hull itself has sufficient buoyancy to remain afloat.

This absence of ballast also results in some very real performance gains in terms of acceleration, top speed, and maneuverability.

The lack of ballast makes it much easier to get a multihull on plane, reducing its wetted surface area and thus its drag. The absence of drag improves wind precision, giving it its great handling.


Compared to a monohull, acceleration to top speed is near-instantaneous. Reduced overall weight means a reduced draft, with a much reduced underwater profile. This, in turn, results directly in reduced wetted surface area and drag, yielding higher top speeds. Without a ballast keel, multihulls can go in shallow waters where monohulls can't.

There are some tradeoffs, however, in multihull design:

A well designed ballasted boat can recover from a capsize, even from turning over completely. The Swan 65 Sayula II won the 1973-74 Whitbread Round the World Race after doing a 180 degree capsize in the Southern Ocean. Righting a multihull that has gotten upside down is difficult in any case and impossible without outside help unless the boat is small or carries special equipment for the purpose. Several round the world racing multihulls have been lost after they capsized.


Multihulls often prove more difficult to tack, since the reduced weight leads directly to reduced momentum, causing multihulls to more quickly lose speed when headed into the wind.


Also, structural integrity is much easier to achieve in a one piece monohull than in a two or three piece multihull whose connecting structure must be substantial and well connected to the hulls.

All these hull types may also be manufactured as, or outfitted with, hydrofoils.


Keel

All vessels have keels, it is the backbone of the hull. In traditional construction it is the structure upon which all else depends. Modern monocoque designs include a virtual keel. Even multihulls have keels. On a sailboat the word "keel" is also used to refer to the area that is added to the hull to improve its lateral plane. The lateral plane is what prevents leeway and allows sailing towards the wind. This can be an external piece or a part of the hull.

Most monohulls larger than a dinghy require ballast, depending on the design ballast will be 20 to 50 percent of the displacement. The ballast is often integrated into their keels as large masses of lead or cast iron. This secures the ballast and gets it as low as possible to improve its effectivness. External keels are cast in the shape of the keel. A monohull's keel is made effective by a combination of weight, depth and length.

Most modern monohull boats have fin keels, which are heavy and deep, but short in relation to the hull length. More traditional yachts carried a full keel which is generally half or more of the length of the boat. A recent feature is a winged keel, which is short and shallow, but carries a lot of weight in two "wings" which run sideways from the main part of the keel. Even more recent is the concept of canting keels, designed to move the weight at the bottom of a sailboat to the upwind side, allowing the boat to carry more sails.

Multihulls, on the other hand, have minimal need for such ballast, as they depend on the geometry of their design, the wide base of their multiple hulls, for their stability. Designers of performance multihulls, such as the Open 60's, go to great lengths to reduce overall boat weight as much as possible. This leads some to comment that designing a multihull is more similar to designing an aircraft.


Centreboard

The centreboard or daggerboard is in essence a very lightweight keel, which is not permanently mounted and can be pulled up to accommodate shallow water. Some sports boats are designed to plane on top of the water since they feature centerboards or light keels.

 

 

 

 

Marine & Boat Insurance Providers Table

 

Company

Type of Insurance

Website

24 hour dinghy insurance

Dinghy & Sailboard Insurance Immediate insurance premiums displayed by clicking onto the class of craft.

24 hour dinghy insurance

ABG

We've teamed up with Boatinsure.co.uk to provide our clients with a competitive online marine quote: DINGHY, SPEED BOAT, SMALL YACHT, CABIN CRUISER.

ABG

Affinity Insurance Brokers

Official Brokers to the Irish Sailing Association. Affinity Insurance Brokers, the premier source for insurance coverage and risk management advice for Ireland's sailing and fishing communities.

Affinity

Amilcroft

Cargo INSURANCE. Take advantage of capacity and services through the London market and other specialist insurers. Our arrangements include insurers able to write surplus lines in most of North America.

Amilcroft

Arden Insurance

Arden Insurance Services are able to arrange cover on all craft from the smallest of dinghies to the largest ocean going vessels. Discounts are also available for: RYA Qualifications, Policy excesses up to 1,000GBP, Craft in Marina Berths, Craft with alarms. Many of our standard policies include: Third Party Liability up to 2,000,000GBP, 12 Months in commission cover, Underwater Machinery Damage, Protected No Claims Bonus, Road Transit Cover, Legal Protection Cover.

Arden Insurance

Edwards & Associates

We offer marine insurance to cover pleasure boats such as yachts and cabin cruisers, as well as larger private boats. Whether you are looking for personal or commercial marine insurance, we have a large base of insurers who we use to make sure that you get the best possible deal: Personal and Commercial Marine Insurance.

Edwards & Associates

BC-Marine Inurance

Set the right course to solve your Marine Insurance Requirements. Marine Craft Insurance, Legal Protection, Foreign Travel, Boat SalesAccident & Medical, Loss Of Earnings, Marine Finance, Marine Tradesmen, Crew Liability, Instalment Plans, Boat Builders & Repairers, Public Liability, Recovery & Assistance, Product Liability. UK, Ireland, Scotland, Wales & the EU.

BC-Marine Inurance

Bishops

We have particular expertise in the following: International Marine, Cargo, Inland Goods in Transit, Hauliers Liability, Freight Forwarders Liability.

Bishops plc

Alfred Blackmore

Alfred Blackmore Group Ltd UK insurance broker specialising in bloodstock, classic car, construction, financial services, healthcare, international motor, marine, professional indemnity, reinsurance and special accident.

Alfred Blackmore

Blythin & Brown

Loughborough brokers provide online quotes for marine insurance, and also offer a full range of financial advice.

Blythin & Brown

Boatinsure

Marine insurance underwritten by Lloyd's of London. Discover what is covered by the policies, read the FAQs, get an online quote or claim online.

Boatinsure

Business.Insurance-Site.co.uk

Covers most commercial risks in the following industries: manufacture, motor trade, haulage supply, farms, shops, offices, clubs, pubs, hotels and marine (ONLINE APPLICATION FORM).

Business.Insurance-Site.co.uk

Craftinsure

German marine insurer provides boat-insurance services throughout Europe. Select a boat type, get a quick quote, and track a claim. 20% internet purchase discount.

Craftinsure

Newton Crum

Dinghy - Narrowboat - Motorboat - Sailboard- Yacht - Marine Insurance. FREE INSURANCE QUOTATIONS no charge or obligation. Dinghy Insurance, Sailboard Insurance, Inland Waterways Insurance, Yacht - Motorboat - Speedboat Insurance, Stolen Boat List.

Newton Crum

Engine Breakdown Cover Ltd.

Offers unique insurance policies for marine in-board engines.

Engine Breakdown Cover

Fairmont Insurance Services

Super Yacht Insurance for yachts in excess of $1 Million to over $125 Million. Coverage includes Liability, Loss of Charter, and Crew Personal Accident and Medical.

Fairmontinsure

Lucas Fettes & Partners

Marine Insurance: Hull and accessories of a vessel, passengers and worldwide cargo movements.

Lucas Fettes

Navigators and General

Navigators and General has been at the forefront of yacht and motorboat insurance since 1921 and has been the market leader in this field for over 70 years. Navigators & General is part of the Zurich Financial Services Group and Financial Ombudsman Service, providing policyholders with world-class security. Today, Navigators provides cover for vessels with a total value in excess of £750,000,000. Underwriting insurance for all types of leisure craft, from dinghies to £5,000,000 vessels, has provided us with the breadth of experience to understand even the most individual requirements.

Navigators and General

Giles Insurance Brokers

Marine Insurance. Dinghy, Power Boat, Yacht, Cabin Cruiser, Jet Ski, Charter Boat, Commercial Fishing Boat, Yacht Yard

Giles Insurance Brokers

SHW Group

Marine Cargo Insurance. Cover is arranged with specialist insurers and the individual policies are written to suit your business requirements including if required Warehousing for distribution during export or import.

SHW Group

LONHAM GROUP LTD

Freight legal liability for both UK and international domiciled companies. Freight legal liability insurance, Cargo insurance, Charterer's Liability insurance. Delegated authority to deal with claims matters relating to marine insurance.

Lonham Group

Mardon Marine Insurance Brokers

boat-insurance.co.uk and yacht-insurance.co.uk are the websites of Mardon Marine and maritime Underwriting Agencies Ltd. (Including Maritime Underwriting Agencies Ltd)

Mardon Marine

Noble Marine

Noble Marine are specialist insurance brokers dealing with all classes Yacht insurance, rowing insurance, laser class, dinghy insurance, sailboard insurance.

Noble Marine

Rob, Perry Marine

Need Insurance? We are agents for one of the most competitive insurance brokers in the country who specialise in marine insurance.

Rob, Perry Marine

Pendleton May

We operate a scheme for the insurance of yachts, motor boats and small craft. Our expertise, experience and number of clients insuring their boats enables us to provide you with wide cover at competitive cost. Try us by completing our form.

Pendleton May

Terra Nova

Terra Nova Protection & Indemnity provides fixed premium P&I cover for the Owner / Manager / Charterers of commercial ships operating in domestic, coastwise or short-sea trades.

Terra Nova

Oban Insurance Centre

Read about the insurance schemes covering marine, holidays, business, motoring and agriculture. Offers an online quote system.

Oban Insurance

B Portwood & Co.Ltd

Marine and boat insurance. On-line insurance rates are provided for dinghies, canoes, sailboards, small craft, inflatables, speedboats, yachts and motorboats for use in the uk and in Western Europe for up to 60 days.

Portwood

Alexander Brooks & Stevens Ltd

Marine Insurance providers

Alexander Brooks & Stevens

Graham Sykes Insurance

Graham Sykes Insurance insure a variety of boats. Our polices cover you for use on inland and costal waterways between May and September. Smaller craft usually have to be laid up ashore over the winter months. For larger vessels we can provide cover for them all year round. For the water skiers out there we can usually extend your policy to include liability for towing water skiers.

Graham Sykes

Craig & Suttar

In most cases we can provide all risks cover including third party liability for you and your craft. Polices cover you for use on inland and costal waterways between May and September. For the waterskiers out there we can usually extend your policy to include liability for towing waterskiers. In some case we can add your boat onto your house contents insurance which is sometimes cheaper.

Craig & Suttar

Tyser (UK) Ltd

Marine and boat Insurance

Tyser (UK) Ltd

Yachtsman Marine Insurance Ireland

Yachtsman Marine Insurance Ireland. Sports boats, Yacht cruisers, motor cruisers. We offer yachtsmen an exceptional insurance package at a highly competitive price. We are constantly reviewing our policy wording to provide the most up to date terms and conditions to ensure that our clients have the most appropriate cover.

Yachtsman Insurance

 

 

 

 

 

 

 

 

 

Meeting Your Needs 

Offering a range of services to most business sectors the providers below specialise in insurance design, risk placing and risk management for UK and international concerns.

They have considerable experience in the development of solutions for both Marine and Commercial risks. With access to Lloyds of London and a range of ABI registered Insurers they can secure the most competitive premiums and terms.  All of the above is a very good reason to click through from us to obtain your online quotation, and it doesn't cost you a penny more to do so.

 

 

SAILING BOAT LINKS

 

http://www.boatinternational.com/yachts/sailing-yachts/

 

 

 

 

 

INTERNATIONAL MARINE INSURANCE BROKERS - LONDON - POWER and SAIL BOAT INSURANCE, YACHT INSURANCE, LINERS, CARGO INSURANCE, CONTAINER SHIPS, TRAWLER INSURANCE, RIBs, OIL TANKERS and MORE - CLICK THIS LINK FOR DETAILS AND A QUOTATION

 

 

 

 

Laser weapons on boats are now a reality

Fleet operators might reduce insurance costs if their ships have

autonomous capability, which system promises safer seas.

 

 

 

 

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