Have you got insurance?

Shore angling - everything welcome! The opinions expressed here are those of the private individuals and we accept no responsibility or liability.

Moderator: donal domeney

Message
Author
User avatar
Mohawk
SAI Sea Dog!
Posts: 424
Joined: Tue Nov 28, 2006 7:37 pm
Has thanked: 2 times
Been thanked: 6 times

#21 Post by Mohawk »

donal domeney wrote:
stevecrow74 wrote:club insurance has always been a grey area.. in what it covers and what it doesnt..

Mohawk wrote:It may also come as a surprise to most but it is not a legal requirement to have insurance on a charter boat in Ireland so some may not. It is up to you to ask the skipper when booking the boat..


Not sure where you got that from. This needs to be checked with the department of the marine.
Regarding the small boat issue, any small craft been used in ifsa competitions must carry their own insurance and are restricted to a 3 mile limit from shore and 15 miles from base. The ifsa insurance will cover any 3rd. party claim that may occur.
As I stated already there are on going talks within the ifsa with regard to insurance. Contact your club secretary for more details



Hi Donal

I got it from years of experience of liaising with the D.O.M, now the D.O.T chief superintendent surveyor Mr Brian Hogan and several of his colleagues both in the Cork and Dublin MSO. I own and operate a DOT P5 licensed charter boat and when buying my present boat had several very modern boats some less than 12 months old refused.

I think the Ifsa may have been caught asleep here :oops:

What you describe here with boats having to stay 3 miles from shore and 15 miles from point of departure is now and has been since the government wrote "SI-273" in to law way back in 2001 a "P 3" licensed passenger boat of which a good number of the large angling charter boats in Ireland are!

A boat would require several thousand euros worth of safety equipment and several thousand euros more of modifications to the boat to be granted a "P3" license.

The clause for the use of "for sea angling" was removed back then. That is why you don't or at least should not see old trawlers and wrecks in angling competitions anymore.

The DOM does not have anything to do with passenger boats anymore It is now the responsibility of the Department of Transport. I would strongly advise ifsa and clubs to correspond with the Marine Surveyors Office in either Cork or Dublin as you are in for a rude awakening if that is what clubs still believe.

As for small boats having insurance it is hard to believe that some of the older boats would actually get insurance to cover passengers now because it would require both an MSO survey to grant it a license (or exemption of) and then a very expensive private survey for the insurance company to accept the hull.

The MSO surveyors would be very slow to sign their name on anything even a new boat in the event it was to backfire on them later so they would be so rigorous it would be uneconomical for a small older boat to comply.

The skippers would also have to hold the relevant passenger boat masters qualifications with commercial endorsement. This is another area of which I have lots of experience as I was one of the intermediaries between the MSO the ISA several training course providers and several charter boat skippers along the south coast when this was rushed in to law last year.

The exemption I mentioned will allow no more than 3 on a boat in "Smooth waters" and still requires an MSO survey. Before you get excited "Smooth Waters" in Cork Harbour is inside a line drawn between the forts at Camden and Carlisle and no more than .5 of a mile from point of departure and several other stipulations rendering it little more than useless anyway. The only boats in Cork Harbour to benefit from it is small work boats operating in the inner harbour.

I would advise you to have several stiff brandys before you call the MSO you are in for a shock :( :( :(

Jim
[b][color=#0040FF]“Travel, Stay, Fish & Play”[/color][/b]
User avatar
Donagh
SAI Megalodon!
Posts: 1812
Joined: Mon Sep 29, 2003 10:32 am
Favourite Rod: AA big beach
Favourite Reel: 525 mag original
Favourite Fish: Thornybacks
Location: East Limerick
Has thanked: 16 times
Been thanked: 11 times

#22 Post by Donagh »

At an agm a while back their were questions about whether our club competition were covered by the IFSA insurance unless they sent into the provincial council to be sanctioned. Is this true?

Donagh
User avatar
donal domeney
Head of International Security and Bringer of World Peace
Posts: 4899
Joined: Thu Nov 04, 2004 11:13 pm
Location: cork
Has thanked: 436 times
Been thanked: 829 times

#23 Post by donal domeney »

Sending you a pm
User avatar
MAC
SAC Treasurer
Posts: 4331
Joined: Tue Jun 29, 2004 1:47 pm
Location: Too far from Water
Has thanked: 141 times
Been thanked: 150 times

#24 Post by MAC »

Seems like a very grey area indeed.

I am a member of the NARGC as well. The insurance is much more organized. With my club fees (€100) €40 will go to NARGC insurance.

The insurance for members is very comprehensive. I am insured when at club competitions or shooting by myself. My dog is even covered. I also have public liability up to 1 or 10M euro, I can't remember exactly. You are also covered for accidents and such when out shooting. I don't know why, but I thought that the IFSA would have similar coverage.

I think the IFSA have missed the boat (excuse the pun) completely on this one. God forbid you ever have to make an insurance claim for yourself or on behalf of your club. It looks like you will be let down badly. I hope the ongoing talks that the IFSA are involved in right now, include moving to another insurer or teaming up with Countryside alliance or similar to get us the insurance that we deserve.

Hopefully we will never need it.

Kev
><º> ><º>

><º>
fish4fun
SAI Bait Ball
Posts: 155
Joined: Sun Jul 24, 2005 12:02 am
Location: New Hartley SAC
Been thanked: 4 times

#25 Post by fish4fun »

I don't know how your organisations stand legally but I copy below a recent post I made a while ago about insurance. As a member of 2 clubs affiliated to the NFSAS I am covered for both match fishing and pleasure fishing. I don't know if your officials could negotiate something similar with a company. I'm sure that if you have the buying power of a national body something could be arranged. It would seem a bit similar to what MAC has got for shooting.

"I organise one here in NE England which is Penn League points. My club is affiliated to the Northern Federation of Sea Anglers. Our insurance through them gives all members third party liability insurance for matches including Open match cover. Pleasure fishing is covered for members fishing in the UK, Eire and EEC countries whilst fishing from shore, piers and fishing from boats on rivers and inland waterways. 3rd party liability cover is £2million. There is also personal accident cover included.

That way we know we can host the event with confidence."
User avatar
inigo
SAI Hammerhead
Posts: 246
Joined: Fri Oct 06, 2006 5:53 pm
Location: Dublin
Been thanked: 2 times

#26 Post by inigo »

Just got the letter from Countryside Alliance Ireland. I'm now an "angling member" for a year and have insurance cover. All for 20 euro.
User avatar
teacher
SAI Megalodon!
Posts: 2417
Joined: Sun Mar 19, 2006 2:18 pm
Location: North Wexford

#27 Post by teacher »

inigo wrote:Just got the letter from Countryside Alliance Ireland. I'm now an "angling member" for a year and have insurance cover. All for 20 euro.


What does the insurance cover?
[size=75][i]"Pier fishing was, indeed, an eccentric, unproductive and extremely dull occupation, and even if we'd posessed the necessary heavy plant we decided not to attempt it."[/i] Chris Yates, Out of the Blue.[/size]
User avatar
inigo
SAI Hammerhead
Posts: 246
Joined: Fri Oct 06, 2006 5:53 pm
Location: Dublin
Been thanked: 2 times

#28 Post by inigo »

Got this document from them a few weeks ago.
You do not have the required permissions to view the files attached to this post.
User avatar
teacher
SAI Megalodon!
Posts: 2417
Joined: Sun Mar 19, 2006 2:18 pm
Location: North Wexford

#29 Post by teacher »

Thanks for that. Very interesting.

I imagine most of us could already claim for "complete and incurable insanity" :D
[size=75][i]"Pier fishing was, indeed, an eccentric, unproductive and extremely dull occupation, and even if we'd posessed the necessary heavy plant we decided not to attempt it."[/i] Chris Yates, Out of the Blue.[/size]
User avatar
Tanglerat
Moderator
Posts: 3117
Joined: Wed Jun 02, 2004 12:45 am
Location: Co Donegal
Has thanked: 43 times
Been thanked: 314 times

#30 Post by Tanglerat »

Do you have to be a member of CAI to take out that policy? I'd imagine so.
User avatar
Norfolk and Goode
SAI Sea Dog!
Posts: 416
Joined: Fri Nov 25, 2005 3:53 pm
Location: Dromara (Down)

#31 Post by Norfolk and Goode »

Insurance :shock: :roll: , I belong to a club in Ulster who are covered by the IFSA and fish under the IFSA rules etc. As far as I'm aware, and I stand to be corrected on this........If I was to use or claim on my IFSA insurance for any reason either the club or myself personally is responsible for the excess. Now that's where I feel we are being shafted. I heard recently that the excess was £500! Now I could be wrong on that amount but I wasn't awaiting around to find out.

I did what fish4fun did, joined the NFSA also, for no other reason that to avail of their insurance if anything dreadful happened. Now I'm aware you can't fish under the NFSA insurance at an IFSA event but it covers me anywhere in the world if I'm fishing for pleasure and also there is no money up front for me to find and pay out and for only less that £20 :wink:

As far as I know too, the IFSA don't cover you as an angler when out pleasure angling, only when you are fishing an IFSA associated club outing or open but as mentioned the NFSA do.

I'm not trying to take anything away from the IFSA as I do the majority of my fishing, fishing club comps and opens and really enjoy them under the the IFSA umbrella but I felt I needed to cover all my options for piece of mind. If the amount of £500 is true I know I couldn't afford personally and my club couldn't afford to cover the excess and I'm sure the majority of you and your clubs are the same.

Steve
***Tight lines to one and all***

SACN number 0728
User avatar
donal domeney
Head of International Security and Bringer of World Peace
Posts: 4899
Joined: Thu Nov 04, 2004 11:13 pm
Location: cork
Has thanked: 436 times
Been thanked: 829 times

#32 Post by donal domeney »

The i.f.s.a. are still in talks regading all these matters and a report is due soon. Contact your club secreteries for up dates.
fish4fun
SAI Bait Ball
Posts: 155
Joined: Sun Jul 24, 2005 12:02 am
Location: New Hartley SAC
Been thanked: 4 times

#33 Post by fish4fun »

"I did what fish4fun did, joined the NFSA also, for no other reason that to avail of their insurance if anything dreadful happened. Now I'm aware you can't fish under the NFSA insurance at an IFSA event but it covers me anywhere in the world if I'm fishing for pleasure and also there is no money up front for me to find and pay out and for only less that £20"

Just to clarify I'm not with the NFSA but Northern Federation of Sea Angling Societies, a regional body that have negotiated a deal. each club has to provide a list of members for cover.

Peter

Return to “Shore Angling Q&A / Forum”