Big Doh!

Ok right I dropped my computer and the crystal screen has broken. So in the time honoured fashion I phoned Craft Insure and tell them I want to make a claim on the contents part of my insurance. You know we are so bloody daft we often overlook stuff when we buy insurance.

So what did I overlook? Well the contents part of my insurance covers only 3% of the value of my boat. With a maximum value for a single item being £250. Err what? +plus £150 excess

The woman in the claims department said,

"We don't mind people living on their boats with this policy but the low value for a single item is to discourage people from keeping hi value personal possessions on board".

What the bloody hell has it got to do with them what I keep on board all they have to do is insure me - fairly!

She also said,

"We advise people to take out separate contents insurance to cover hi-value items".

Well they didn't tell me! And why should I pay them for contents insurance that is not up to spec and then go and buy contents insurance from someone else. Seems like a crock of do-do to me.

Their website says

"This provides a summary of the main features and limitations of the Craftinsure range of policies which are specifically designed to cover pleasure craft and protect pleasure craft owners against legal liability they may incur."

That of course is the bit I missed it says nothing about people living on boats.

Oh yes it does!

"The policies do not cover (among other things) • Use of the vessel for anything other than private pleasure."

So thats me well and truly buggered I bought something, twice, that is no bloody use to me whatsoever.

And to top it all their website has an underwater 'fart' soundbite, very annoying.

Needless to say I shall not be renewing my insurance with them at the end of the year.