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I've scanned through quite a few of these threads and some of my questions have been answered with regards to insurance whilst at sea. so what is the score with insuring your personal belongings at sea? I get that some home insurance policies cover your stuff , but many have limits to how long they will insure it (e.g 90 days) which is not really of much use when I go away. I also know Endsleigh will cover your belongings for longer periods if you have some association with Nautilus. I guess I'm just looking for advice and any experiences you folks may have. What to do?
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Assuming you're referring to stuff you take with you onto the ship, then your company will probably provide coverage up to a certain amount (not much, the ones I've worked for seem to be 1k - 2k).Originally posted by Turner View Post
Your company will probably provide medical insurance from moment you leave your home to moment you return - some travel insurance companies will provide belongings coverage (ie. not medical) for the period if you phone them up and speak to them.
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Medical insurance is normally covered under the ships P&I insurance. I dont know if belongings are as well...
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Yeh your personal belongings are covered under the ships P&I Insurance incase of shipwreck or fire. But this is where it gets tricky,I believe it says something along the lines of the cover will only be provided for items that are reasonable for any crew member to have onboard. So If you have a 5k gold watch it's not going to be covered. But then what is reasonable for a crew member to have onboard !!Comment
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But then what's reasonable I've seen a fair few guys with a lot of expensive camera equipment. Not to mention a laptop, tablet and IPhone could come to ?2000 easily.Comment
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Haha I know ! Yeh I think most companies have there own insurance for like 2-3k per person but your P&I will definitely cover it !Originally posted by Lewis View PostComment
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Thanks for the info guys, I've found some info from my company regarding this, they insure goods up to the value of ?2500, with a max limit of ?500 per individual item, excluding laptops, but the catch is its only during transit to and from the vessel, they don't cover the goods whilst on board for theft. Cover is if the vessel has some uncontrollable accident. cheers anyway.Comment
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