Guides
Keep the rig's history distinct from the hull's age
Record inspection and replacement dates for the relevant components, supported by invoices or professional reports. A new mast does not establish the age of every fitting, and a recent inspection is not the same as replacement. If the history is uncertain, identify the uncertainty and ask what evidence the insurer requires rather than assigning an unsupported date.
Separate planned maintenance from damage repair
Routine renewal and an accepted incident-related repair have different bases. When asking about a loss, identify the event, professional findings and affected components. If a replacement quote also includes overdue maintenance or an improved specification, request an itemised distinction. The fact that work is sensible or economical to combine does not establish that every part is insured.
Close any policy condition explicitly
If the insurer sets an inspection or replacement requirement, record its wording, deadline and evidence standard. After the work, ask for confirmation that the condition is satisfied and update the inventory or value where appropriate. Keep racing and offshore use questions separate; replacing rigging does not automatically extend the policy's accepted activities or navigation area.
Documents and questions to prepare
- Component-specific installation and inspection history.
- Written policy condition and any deadline.
- Itemised incident repair versus planned renewal scope.
- Completion evidence and confirmation of revised terms.
Worked ownership scenario
A Lagoon 380 owner replaces standing rigging but retains other fittings after professional assessment. The owner describes the actual scope in the renewal file rather than saying the whole rig is new. The insurer can ask about the remaining components using an accurate record.
Turn the guide into a written insurance brief
Keep the relevant photographs, invoices, reports and correspondence together. Separate facts you can document from questions that remain unresolved. When requesting a decision, identify the vessel, the intended activity and the exact policy term you need clarified. Record who replied, when the response applies and whether an endorsement is required; a general brochure statement may not answer the specific question.
Record the policy wording and unanswered questions
Use the comparison worksheet to keep each requirement beside its document reference. Leave an item unresolved until the insurer has answered it.
Frequently asked questions
Does an insurance survey reset the age of the rig?
No. Inspection and age are different facts. Record both and ask how the policy's conditions use them.
Will an insurer pay for rig replacement simply because it sets an age condition?
Do not assume that a maintenance condition creates a claim entitlement. Funding planned work and paying an insured loss are separate questions.
Sources and scope
Manufacturer links support identification and design context. Australian insurer document libraries are starting points for checking policy wording, not evidence of acceptance of this boat or activity. The checklists and examples are editorial guidance. Use the PDS version, schedule and endorsements that apply to your own policy; this guide does not rank insurers or provide an individual insurance recommendation.
Related guides
- Catamaran Insurance Guides by Brand, Model and Topic
- Lagoon 380 Insurance Australia
- Standing Rigging Age: Insurance Replacement Conditions
- Sail Insurance: Record Your Yacht’s Sail Inventory
- Boat Insurance Quote Preparation Checklist