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marine insurance - This marine insurance article looks at the key price calculation factors that will ultimately determine the marine insurance quotation for inland waterways vessels. Whether you own a dutch barge, narrowboat, houseboat or any other kind of barge in insurance terms the vast majority of boat insurance companies will categorise them as the same. The reason behind this is perhaps aided by simplicity (we already have too many boat types the boat insurance companies have to create and gaze after premium calculation rules for!), but actually the primary reason happens because the inherent chance of an insurance claim between these categories is quite similar. Luckily if you own a barge this immediately guarantees you lower rates of insurance levy, with fast powerboats/ yachts attracting the greatest levies for apparent reasons (greater speed = greater claims!). Regardless of boat insurance category however all good marine insurance companies will firstly give you a choice of either comprehensive or third party only insurance. As you may guess this method is really the only biggest criteria in determining your insurance cost as you are effectively stating whether the insurer be forced to pay an insurance claim on one or two vessels in the eventuality of an accidents and you're found at fault. Alternative party insurances are usually calculated like a fixed price, but assuming you decide on comprehensive insurance, the second key factor determining the cost of any boat insurance quote is inevitably the entire price of your vessel. Insurance providers literally go ahead and take worth of the vessel (along with an additional quoted things you state for coverage e.g. generator, ouboard) and multiply it by a specific percentage rate (i.e. vessel value x 0.#%). When it comes to inland waterways insurance the speed applied is generally fairly static nevertheless the rate could be over a sliding scale (i.e. reducing gradually for higher valued boats) but in addition age could well be classed like a factor (i.e. as boats age it is likely that hull disrepair increases the likelihood of accidental sinking). The next key factor that may affect your quote will be (similar to most insurance types), years no claims bonus. Most insurers provide Five years however some do provide 6 years. For each and every year with no claim a portion is going to be knocked off one last insurance cost approximately the most period of time. The remaining factors determining your insurance cost are often then optional. Clearly trying out additional optional items incurs an expense (or risk) for the insurer and for that reason inevitably affects the purchase price;

   Breakdown cover (often a fixed price)
   boat insurance - Contents cover (depends on the kind and price of contents being covered & normally requires direct contact with insurance staff)
   No claims bonus protection (when offered by a small % rate)

jet ski insurance - Finally there are also 1 or 2 additional factors which can be taken into consideration (all of this depends upon individual insurers) which perhaps don't affect a majority but inevitably will affect some. For instance, lacking a mooring (roaming boats are of and the higher chances to insurers as a result of increased movement) or requirement for access to tidal areas e.g. on the River Severn near Gloucester, UK for example. Somewhat surprisingly whilst most insurers will stipulate an age of 18 or over, thereafter age isn't a factor upon marine insurance cost. Those over 70 however could find exemptions from injury claims.