RIB Insurance Reviews: What to Look for when Searching

The world of boating insurance can be complex and difficult to navigate, but by thoroughly understanding what to look for, you can make a more informed decision.

Key Considerations in RIB Insurance Reviews

In this section, we will discuss the primary factors you should focus on, namely, policy coverage, premium rates, and customer service.

Policy Coverage

The first thing to look for in RIB insurance reviews is the scope of the policy coverage. Ensure that the plan you are considering provides comprehensive protection for your specific needs related to your RIB. Coverage may include:

  • Accidental damage
  • Theft and vandalism
  • Salvage costs
  • Personal accident and liability

It's worth noting that any trailer you hitch to your car for your RIB will need third-party liability coverage on your car insurance, not the boat insurance. 

Premium Rates

Another essential factor to consider when comparing RIB insurance reviews is the premium rates. It’s important to find a policy that provides comprehensive coverage at a reasonable and competitive cost. Compare different insurers' quotes and take note of factors that may impact your premium, such as:

  • Your RIB's size, age and value
  • Your boating experience
  • Are you being offered Agreed or Market Value (this could make a difference if you come to make a claim)
  • The location and intended usage of your RIB
  • Security measures in place on the boat

Remember, it is not just about finding the lowest price, but getting the best value for your money and the premium most suited to your needs.

Customer Service

Lastly, pay attention to the quality of customer service provided by the insurer. A reputable company should have a responsive and helpful team that can assist you with any queries or claims. Look for RIB insurance reviews that focus on the ease of communication with the insurer, their efficiency in handling claims, and their overall commitment to customer satisfaction.

Evaluating Policy Features

When searching through RIB insurance reviews, it's important to consider the key features of the policies. To help you make an informed decision, we will discuss two essential factors to look out for: exclusions and limitations, as well as optional add-ons.

Exclusions and Limitations

Exclusions and limitations are specific circumstances or conditions under which the insurance policy will not provide coverage. It's crucial to review these terms to ensure the policy meets your specific needs. Common exclusions may include:

  • Wear and tear
  • Unattended vessels
  • Racing

Also, pay close attention to any limitations on the coverage, such as limits on the amounts payable for particular claims. Make sure you're comfortable with these restrictions before choosing a policy.

Optional Add-Ons

Additional coverages can enhance your policy and cater to your specific needs. Consider whether you require any of the following optional add-ons:

  • Personal effects cover
  • Waterskiing and towing of toys
  • Legal expenses insurance

Ensure the optional add-ons provide value for money and suit your requirements.

GJW Direct offers tailored policies, competitive pricing, and excellent customer service. From no excess for third party claims to £5,000,000 third party liability cover. To discover if our RIB insurance policy is right for you, contact us today to get a quote and to find out more.

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