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Here are some things you may want to consider when purchasing insurance:

• When completing a proposal form give comprehensive details of the vessel and your experience, this avoids any problems later on.
• Use your vessel within the navigation limits of your policy, if you need to go outside these limits then request an extension from your insurer prior to departure.
• If you have any Warranties imposed by the insurer make sure that you comply with them otherwise your policy is null and void.
• When you give a valuation for your vessel this should include all the machinery, rig, contents, personal items etc. This figure is the amount that you will receive in the event of a total loss
• Check that the third party liability limit is sufficient for your vessel.
• Check the "Standard and Poors" rating of the proposed insurance company. This is a rating that is given to each insurance company about their financial strength, claims paying ability etc. If the rating of your insurance company is "A" then this should be fine.
• Check the local representation of surveyors / adjusters in the event of a claim.
• Obtain the emergency hotline 24 / 7 in the event of a loss
• In the event of a loss write down the sequence of events as this will help you later when you have to complete a claim form.
• Act as a Prudent Assured - in other words act as if you have no insurance. Make sure that all your necessary safety equipment is up to date and working.
• Your boat insurance needs are unique to you. Make sure the boat insurance provider has a wide selection of options.
• Although price is important you will need to understand your marine insurance policy and services behind it. Find a balance between peace of mind, financial security and price. Make sure you are protected. The lowest price is not always the best protection.