Home insurance

[pignutpilot]

Someone was saying something about most home insurance policies only cover you for being away for 30 days. So if you live alone and do sea trips longer than 30 days then it could invalidate your cover.

Anyone have any knowledge about this?

[laura]

60 days unoccupied is the norm- you can call up and explain but it can get complicated- might be better to save/ invest the money- so you have a lump sum there if anything does happen while you're away.

[Steve]

'Tis true. If you are a Nautilus member, the policy offered by Endsleigh waives the limitation with the exception of flood or water damage.

[Blondie]

So, a good idea to join Nautilus?

[Steve]

Opinions vary: http://www.officercadet.com/showthre...tilus-Worth-It?

[Lewis]

I would imagine this job causes a lot of problems with contracts. You want broadband, sky tv your going to spend months pay for it when your not their to use it.

[laura]

Yup! It's easier if you're married/ living with non seafarer- but it can get complicated. Small things like the bank changing a debit card from MasterCard to visa, making your old card invalid within 30 days and you're away for months with no means of getting used money out except via the Captain. True story. Then trying to explain you're a seafarer on the phone... a nightmare. Ach you get used to it, but it's a pain in the backside.

[bobofinga]

Yeah for insurance it can be a nightmare.

[chris]

@Laura - Maybe travellers cheques have their uses after all.

[alistairuk]

Yup! It's easier if you're married/ living with non seafarer- but it can get complicated. Small things like the bank changing a debit card from MasterCard to visa, making your old card invalid within 30 days and you're away for months with no means of getting used money out except via the Captain. True story. Then trying to explain you're a seafarer on the phone... a nightmare. Ach you get used to it, but it's a pain in the backside.

Or randomly deciding to re-issue your bank card with that touch less crap and cancelling your perfectly usable card with 2 months left of your contract! Although fair point, I always check none of my stuff is going to expire while I am away - thankfully my bank (other than the aforementioned issue) normally have no issue giving you a new one early if you tell them you work abroad and your card will expire before you get back