Are you facing an increase in insurance premiums?努力寻找一个政策来涵盖你的下一次航海冒险?Katy Stickland investigates

游艇保险公司预测,在未来三年,英国游艇保险的保费成本可能会上涨至少30%。

Those wanting to race regularly,或者远航到大西洋彼岸去加勒比海,也可以期望支付更高的保险费,蓝水巡洋舰不太可能被命名为风暴盖。

由于保险市场投资和伦敦辛迪加劳合社带来的竞争加剧,导致保险费上涨的因素很多,其中包括多年来的低保费。这导致保费下降到无利可图和不可持续的水平。

2017年加勒比飓风哈维,Irma and Maria – have also contributed to the premium rises,with Lloyd's reporting billions of pounds 
in losses.

There have also been a number of other expensive claims.

高级游艇和海上保险商Amlin女士,Keith Lovett,said the market was beginning to correct itself,随着在劳合社市场承保游艇保险的银团数目大幅减少。

洛维特认为,大多数船主预计2019年他们的保险费用至少会上涨10%左右,如果不是更多。

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“那些在市场更安全的一端,像狭小的船主和不经常航行的人一样,预计未来三年保费每年将增长10%。风险较高的人,比如想独自航行穿越英吉利海峡的水手,做更多的比赛或更多的海上通道,他向YM解释说,做这些事情应该多花钱。

He added that levels of cover were generally expected to remain the same,但在游艇保险市场的高风险因素上,这种限制可能再次存在。

He added there is no reason for claims levels,types or payments to change although the growing threat of global warming may,如果有的话,增加损失数量。

洛维特说,他预计iMocas和Maxis等高端赛艇的保费成本可能会令一些赞助商望而却步。很多人选择自保。

In the UK,没有法律要求为你的船投保,尽管大多数码头、港口和河流管理局要求客户提供责任保险,and Lovett predicted an increase in this part of the market.

Insurance brokers A-Plan 
believes boat owners will now 
have to look ‘more carefully' to find the right policy.

A yacht in the ice

Some cruisers are reporting difficulties in getting insurance cover for high latitude sailing

A-Plan的海运贸易经理说,保险公司将在一个更困难的市场上决定接受还是放弃,而不是保费对客户有利。马尔科姆·斯图尔特。

He is recommending that sailors seek advice on increasing their excess as a way to keep premiums low and if they are considering third party only policies.

Uninsured boats could also become an increasing issue.

斯图尔特说,会有很多人不打算投保,因为他们负担不起保险费。

他补充道:“问题在于,当保险公司代表他们正确投保的客户向法庭索赔费用时,他们最终会成为这方面邪恶的恶棍。”

这些额外的诉讼也会增加保险公司面临的成本,这必然会传递给客户。