What have we learnt (the expensive way)
it is worthwhile checking the following, if I might be so bold - If you have the same policy that I have with Towergate - I dont have experience of others other than my other kayaks which are insured with the BCU.
1. where you are keeping the boat is in a locked enclosure. Just in a boat park is not good enough. You have to have "forcible entry". Climbing over a fence is not enough to protect you under the insurance. They want to see something broken. The bit of Rockley Park I was in was not - according to them.
2. everything that can "reasonably" be removed is. You decide what that means. For me it means you cant leave anything that isn't fixed to the hull that could possibly be removed.
The alternative to that is to get the insurers to look at a parts diagram of the boat and tell you categorically what you can and cannot leave and what you have to take home. Discussing after the event is a non starter. Imagine...oh yes the mast is easy to carry. Especially in two pieces "you could have taken that home". Who takes their soaking wet seats home?.....I would now if I had any
The upshot of all this is that I no longer have a boat that works and not the means to replace the parts at the moment. The good news is that I have one seat from my revo so i can sail one seated! not really the idea as the summer was supposed to be spent with Mrs C now she has learnt to swim.
and hopefully my Hakas will be there when I go down to retrieve what is left.
It also means that my reading of the policy (which I am trying to cancel and will not be renewing for obvious reasons) means that I have to keep the boat at home where I can keep an eye on it.
Finally, and this is believe is the BIGGEST DISAPPOINTMENT to me, these parts have specifically been stolen by another Hobie sailor. They are no use to anyone else and need a certain know how to take them off a Ti. Even the seats for example. And i thought we were a nice bunch.
Cest L'a vie
Anyone interested in a hardly used Ti with half of it missing? If so get in touch.
May the odds be ever in your favor..