Axsail
INSURER SURVEY RULES

What the insurer will accept

When each insurer asks for a survey, how recent it must be, who can sign it and what the report has to show. Taken from the insurers' own published rules. They change, so check the current wording before you rely on one

Side by side

INSURERMARKETSURVEY NEEDEDHOW RECENT
Markel (Jackline program)United StatesDepending on age and condition, before insuring or renewing; aloft rigging inspection on every sailboatC&V survey within 24 months for a new policy; rigging inspection within 3 years
American ModernUnited StatesSalt water from 10 years, fresh water from 15 years (27 ft and over on First Choice), performance boats over 10 years, antique boatsNo older than 1 year; up to 24 months for some existing clients. Yachts: every 5 years
Gallagher Skippers' PlanCanadaOver 20 years and 30 ft LOA or more, or above a set value; agreed value cover from 15 years; collector and antique boats at any age2 years for a new policy, then every 5 years from the last survey
GJW DirectUnited KingdomBoats over 30 years; small, low-value boats under 26 ft from 50 yearsWithin the last 10 years
Craftinsure (Navigators & General)United KingdomOver 30 years old and over 25 ftNo more than 5 years old; 7 years if already insured with Craftinsure
PantaeniusUnited KingdomSome cases, more often older boats; no fixed age publishedRecent; a recent purchase survey may be enough
Pantaenius (Germany)GermanyNo fixed survey age. Used boats over 15 years: rig age and condition asked; metal hulls: thickness survey, about 30 years as a rule of thumbA current rig check by a rigger or sailmaker; no age given for hull surveys
FBTONetherlandsNo survey to insure. A valuation report (taxatierapport) sets the payout if you have oneValuation report no more than 3 years old
ANWBNetherlandsNo survey to insure. A valuation (taxatie) fixes the value for five yearsFixed value from a valuation lasts five years
MAIFFranceNo survey to insure on MAIF's page. In France generally, age is the usual trigger, often from 20 years (Generali)Not stated
OcasoSpainNo survey rule in the general conditions. Experts come in at a claimNot stated
Club MarineAustraliaMoored boats (cruisers, yachts, catamarans, houseboats): survey report or risk evaluation, depending on age, type and hull material. Every 5 years12 months after a change of owner, 2 years otherwise
RACVAustraliaMoored boats may need an out of water survey and valuation report. Fibreglass under 10 years usually doesn'tFibreglass over 10 years: 5 years. Other hulls: 5 years under 10 years old, 3 years over

United States

Canada

United Kingdom

Germany

Netherlands

France

Spain

Australia

A report the underwriter accepts first time

Dictate as you inspect. Axsail writes every finding with its recommendation and grade, under your name and signature

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