Marine Insurance surveys

Our marine insurance survey inspection typically encompasses various aspects related to the vessel's condition, safety, and insurability. Our itemized list outlines the typical scope of our marine insurance survey: Variations will apply, relevant to your particular boat. Some insurance companies will also provide their own pre-formatted inspection form for the surveyor to complete.  

Hull Inspection:

Examination of the hull for signs of damage, cracks, or structural weaknesses.

Checks for evidence of corrosion, especially in areas prone to rust.

Inspection of the keel, rudder, and underwater components for integrity.

Superstructure Examination:

Superstructure condition, including decks, cabins, and fittings.

Inspections for any signs of water ingress, rot, or damage to the deck and cabin structures.

Inspection of windows, hatches, and doors for correct sealing and integrity.

Machinery and Systems Inspection:

Evaluation of the condition of propulsion system, including engines, transmission, and propeller(s).

Checks of the condition of electrical systems, wiring, batteries, and navigation lights.

Inspection of fuel system, tanks, lines, and fittings, for leaks or corrosion.

Assessment of functionality of steering systems, including tillers, wheels, hydraulic systems.

Verify operation of bilge pumps and other essential safety equipment.

Safety Equipment Review:

Examination of vessel safety gear such as emergency beacons, life jackets, fire extinguishers etc. 

Confirm that safety equipment is in good condition, properly maintained, and in date. 

Compliance with relevant safety regulations and standards.

Navigation and Communication Equipment Check:

Inspection of navigation instruments, including GPS, compass, and depth sounder.

Communication equipment checks such as VHF radio and antennae. 

Navigation and communication equipment are fit for purpose. 

Documentation Verification:

Review of the vessel's registration, ownership documents, and insurance policy.

Compliance checks with applicable maritime regulations and licensing requirements.

Vessel's documentation check, to ensure is up-to-date and legally valid.

Sea Trial (if applicable):

Sea trial to assess the vessel's performance under operating conditions.

Evaluate maneuverability, stability, and overall handling characteristics.

Verify the functionality of propulsion, steering, and other essential systems.

Report and Recommendations:

Provide detailed report documenting findings from the survey, including deficiencies, recommendations.  

Provide recommendations for mitigating risks and enhancing the vessel's insurability.

By addressing these key areas, a comprehensive marine insurance survey provides valuable insights into the condition, safety, and insurability of your vessel.