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Insuring a houseboat

Insuring this boat and our accommodation has not been easy ... We have talked to so many insurance companies, and most of them laugh or reply that it is impossible to insure a houseboat. So far we have managed to take out insurance, but it has not been easy.

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Taking out a houseboat insurance policy

First, we called Insurance Company 1 (Trygg Hansa, the one we've had for years) and told them we were moving to a houseboat. "Good for you, but thank you and goodbye", they replied (roughly). We kept our other insurance policies with them, but went looking for someone to insure a boat. It was an insurance with Försäkringsbolag 2, (Alandia) which insures boats.

Insurance companies 2

Getting a houseboat insurance with insurance company 2 went well, but when I called up later for some detailed questions, I had to talk to a new administrator who grunted something about "not really insuring boats that are stationary, but now that we are in the system, so ... " Eeeeh...? Ok, in any case, I was told that the only thing that is insured besides the boat is things needed for the boat's progressthat is, life jackets, a dinghy, rubber boots... Not fridges and computers, in other words.

Insurance companies 3

Of course, we also needed home insurance! Home insurance covers movable property, but also includes things like travel protection. I called Insurance Company 1 and told them that the boat is insured, but could we perhaps take out home insurance? Yes, that would be great! The agent also gave us a good price "because we had several policies with them".

Yesterday, I called up to check some details, and then I got to talk to a new agent. "No, we don't have that product!" he exclaimed. He said that if we had paid and a claim had been made, we would not have received any money because the insurance was wrong. "But you're the one who made the mistake", I thought. "Yes, it was stupid of us, but you wouldn't have received any money." Eeeeeh?

Insurance companies 3

No point in wasting energy getting too upset, so I called Insurance Company 3 (If). They actually had this product, provided you are registered on the boat. We are, so now we are insured! But the part about a discount because you have many insurances in one place ... we can forget about that.

Pampas

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