We have already described how to protect boat covers, bimini tops, and convertible tops from algae, dirt, mildew, and mold in order to improve the appearance of the fabrics and extend their service life. SeaHelp members who have their tarpaulins cleaned or impregnated by our partner SCM Shading Cleaners in Feldkirchen save 15 percent. However, there are also a few things to consider when insuring boats that do not have a hardtop.<“strong>
Dirty boat tarpaulins are now a thing of the past: the company SCM Shading Cleaners Mühleder GmbH (SCM) in Feldkirchen an der Donau specializes in cleaning and impregnating all tarpaulins, covers, and bimini tops on board.
SeaHelp is a cooperation partner of SCM, whether in Austria, Croatia or Italy. This means: SCM grants Sea-Help members a special discount of 15 percent on the official list prices.
When insuring open boats, there are a few things to keep in mind, advises the SeaHelp insurance expert
In addition to proper care of the fabric covers, it is also important to consider optimal insurance coverage. Because as much fun as it is to sail with the top down, it also carries a lot of risk: in addition to improper care, damage or theft of equipment can quickly spoil the fun. And there are also a few things to keep in mind when it comes to insurance. Robert Perger from SeaHelp Insurance explains what to look out for when insuring boats with fabric tops.
Riva boats, especially the Aquariva Super, Virtus, Bahamas, and Florida models, which are equipped with a convertible top, are not only beautiful to look at, but also practical. The convertible top allows you to “open” the boat in just a few simple steps so you can cruise across the lake “topless” and relaxed. However, all open motorboats that are only protected from the weather and unauthorized access by a fabric cover (convertible top, tarpaulin) are subject to special requirements with regard to theft protection and insurance coverage.
Open boats are considered particularly at risk because they are easier to access
“Open boats are considered particularly at risk because they are easier to access,” says SeaHelp insurance expert Robert Perger. He recommends securing the outboard motor with a certified lock device, removing all valuables, and never leaving navigation devices, bags, fuel cans, etc. unattended on board.
Furthermore, appropriate measures should be taken to prevent the engine from being started, and the tarpaulin should at least be secured, for example with internal locks or bolts. According to the insurance expert, you should not rely solely on zippers or press studs (see Boat theft already in our news).
Some insurers have stricter requirements for open boats with fabric tops than for closed cabin boats
And: “There are a few things to bear in mind when it comes to insurance for open boats with fabric covers,” says Perger. Most insurers impose stricter requirements for open boats with fabric covers. For example, the boat and its contents are only insured against theft under comprehensive and partial comprehensive cover if the boat has been locked.
In the case of fabric covers, this can be achieved by additional measures such as padlocks, bolts, or similar devices. A cover alone is often not considered adequate security—an additional mechanical lock is often required.
“Valuables should not be left lying around in the boat in plain sight or should be removed and kept in a safe place,” recommends the Sea-Help insurance expert. Outboard motors must be specially secured, otherwise there will usually be no replacement in the event of damage (theft).
With clever measures and the right policy, you can also protect your open boat well
Conclusion of the insurance expert: “A fabric cover does not provide reliable protection against theft. Insurance companies usually require additional security measures in order to pay out in the event of damage.” However, with clever measures and the right policy, you can also protect your open boat well.
By the way: Many insurance companies do not pay for the tarpaulin and/or fabric roof of a motorboat’s convertible top in the event of damage (in the case of wilful damage, such as slashing or storm damage) regardless of age, as it is often considered a wear part by insurance companies. There are often deductions here, graded according to age.
Tip from an insurance expert: “If you have a new soft top made, be sure to keep the original invoices” – this can be very helpful in the event of damage.
Tips on the right insurance for boats with convertible tops from SeaHelp insurance expert Robert Perger.
