Boat Insurance

Hi,

I'm hoping someone can help. I'm thinking about getting a small fishing boat but am a complete novice and I'm just trying to get a handle on costs. Can anyone give me even a rough idea of what it costs to insure a small fishing boat, say 3-4 metres with an engine. Assume that it will be moored year round in a marina.

On that, I was on the Poolbeg Marina and Yacht club website and saw that you can moor a boat there for approx. €370 per metre per annum plus approx. €200 membership. Does this sound right?

Anyone know of any other places in Dublin where you can moor a small fishing boat year round and the rough cost of it?

Any help greatly appreciated.

Also, any reputable websites I should check for 2nd hand boats?

For that size you might want to consider Towing a boat. Much more flexibility and it you stick to 15 or 16 foot you will be able to tow with a family car. A nice little inshore boat would be a Seahog Shortie. 15 foot and will be very effective with a 30 or 40hp engine. You could also look at an Orkney Strikliner (16ft) or similar. Lots of options. If you moor with a small boat you are very confined fishing wise and in poolbeg it will be a bit of a spin to any of the decent fishing spots.

Insurance either way should cost you about €200 - €250 ish..


Best of luck,

Kev

For boat insurance quote http://www.porthcawl-insurance.co.uk/

That’s mad money to be paying out for a small boat to be stuck in the same spot

Firstly, insurance is not mandatory in Ireland. Most insure their boats because of a: the value of the gear and b: because they want to enter competitions were insurance cover is a requirement of entry.

Many boats under 16’ that do not exceed certain speed are often included on your house insurance without much charge.
If you did insure specifically, depending on the size/value of the boat you are talking about, I couldn’t see it being much over €150-200 (no claims?). Most specific marine policies cover on water for a certain period and on land for the lay up over the winter. You have to check the policy details to see if they suit your situation.

I can be no help on the mooring but I am sure there will be some who knows the score.

Best sites are: apolloduck.ie, boatsandoutboards.co.uk, gumtree, donedeal and there is probably some more!

Thanks so much for the replies.

For that size you might want to consider Towing a boat.

The problem is storage. It would probably be two of us sharing the cost, but neither of us has a suitable place to store it.

If we were to moor it at, say Poolbeg, couldn't we also take it in and out of the water and put it on a trailer to drive elsewhere with it if we didn't fancy fishing near poolbeg?

Is there an alternative to a berthing at a marina for storing a small boat but where you have access to it?

That's interesting about the insurance, although I think it's probably 3rd party/ liability I'd be worried about rather than the boat/ its contents. I'm assuming you can just get liability insurance and not fully comp. as you can with a car?

Also, I'm probably underestimating the size. It's likely to be closer to 5 metres. (16-18 feet). Does that make any difference?

Thanks again for the advice, it's much appreciated.

Porthcawl is the way to go with the insurance as Donal says.

I have my Quicksilver 640 Pilothouse insured for stg£28,000 with public liability of stg£3,000,000 for all year round insurance in the water as it is in marina for stg£170 p.a.
nothing between two of you.
The beauty of the marina is you can walk down at any time get on board and go.
If you want to fish further afield you can trailer it.
The marina might sound expensive but think about what some people pay to golf clubs etc.

Yappo

be careful of brokers i was directed to an insurance company in artaine and paid them 350 for the year the cert came back direct from allianz at 250 100 euros to a broker i did not need i will go to allianz direct this year im moored in howth harbour from march to november it costs 300 per year thats for a 7 metre boat its 250 under that size you have to apply to the harbour master for a berth and the slip is beside the moorings you can load in or out no problems there is also moorings on the estury in malahide but like the lads above said if its a small boat may be you should look for a lock up or a secure yard might be cheaper than 2000 to the poolbeg marina comp put an add up on gumtree or the like looking for a lock up you will be suprised how many vacant spaces there is around you

beebub, as posted above, insurance isnt too much, infact its probably the smallest part of your boating expenditure per annum.

I know what you mean regards just having a boat there, in the water ready to go, and not having to worry about "out of water" storage, transport etc.

I had a sports cruiser moored at malahide a few years back, €270 p/m, mine was moored all year round, in hind sight, if I was to own a fishing boat (15-21ft) it wouldnt be moored in the water irrespective of drive-way space.....if you dont have the "dry land" space to store it yourself, most of the marina's have "hard standing" space, where you can keep the boat out of the water at a fraction of the cost and its there on your trailer, ready to tow wherever you want.

most fishing ports there is no charge just stick it out like balbriggan or skerries