Insurance Surveys

For new cover, renewal or a change of insurer

An insurance survey provides a general overview of the vessel and its systems for insurance underwriting and, where required, financing. It helps the insurer understand the boat’s identity, equipment, overall condition and value, and identifies hazardous conditions that may affect the vessel or the people aboard.

An insurance survey has a different purpose and scope from a pre-purchase survey. It does not include the same level of operational testing and should not be used as a substitute when deciding whether to buy a boat.

What the survey covers

The inspection focuses on the vessel’s accessible structure, installed equipment, general condition and safety-related findings. It includes an assessment of safety equipment against the requirements relevant to the agreed assignment.

The report records the vessel’s condition, identifies findings that need attention and provides the valuation information agreed for the survey.

Before arranging the survey

Ask your insurer or broker what they require. Send me their instructions, including any requirements for a haul-out, valuation or particular equipment checks, so we can establish the scope before the inspection.

Tell me the boat’s make, model, year, length and location, and when the report is needed. I’ll confirm whether attendance can be arranged and discuss access, preparation and fees.

If you are buying the boat

A pre-purchase survey provides a more comprehensive examination of the vessel and its systems, including operational checks and a sea trial within the agreed scope.

Read about pre-purchase surveys.

Discuss an insurance survey

Send me the boat’s details and your insurer’s requirements so we can agree the next step.