I thought this may be of interest to many, some years back i changed my insurance policy for home and contents from one of the major banks to Shannons - i went with Shannons as they were already insuring my vehicles and more importantly offer insurance for sporting equipment outside the house (most require the equipment to be in the house which is not much use for windsuring !). Items need to be itemised and a value placed against them so you need to update as you change gear but other than that Shannons provide a great piece of mind as the next examples will show
2 years back i had a aluminium boom stolen, i supplied the details and Shannons replaced the boom (they cash settled very quickly)
Move on to last week - i hit a sand bar fully powered up, got catapulted and completely destroyed my fantastic severne enigma carbon wave boom (fortunately it was carbon as it probably saved all my ribs by snapping rather than bending !). Picture attached. As you can imagine i was pretty upset !, its probably the most expensive 5 minute sailing i have ever had
On contacting Shannons they indicated that accidental damage was covered (something that i was not aware of) and asked for a valuation and a written report that the boom was unrepairable (kindly supplied by Steve at Windforce) - Shannons have settled in less than a week for the insured value - the service was excellent, fast and i can highly recommend them if you want some piece of mind around your kit . There is an excess however it is minor compared to kit cost and you can agree the excess up front with shannons.
a $1000 boom
You do need to advise them of the value of each piece of kit and it is important to itemise and insure for the "replacement value".
Its rare these days to get a service that really works this well - Shannons - highly recommended from me !
PS - there is no issue with the enigmas strength or quality, they are a fantastic boom - and i already have an identical replacement in the car (again thanks to Steve at Windforce).
Hope this helps others
I have home and contents with shannons, but no equipment listed. Does it cost extra or do I just ring them and add the equipment?
it costs extra and that cost is obviously dependent on excess and value of your kit, you just itemise your kit as you would anything else like jewlery ,bikes, watches etc etc, to put the cost in perspective this claim has effectively paid for the last 8 months of my policy for the whole house contents. Easy enough to get a quote for the extra
Select to expand quoteDougT said..
I thought this may be of interest to many, some years back i changed my insurance policy for home and contents from one of the major banks to Shannons - i went with Shannons as they were already insuring my vehicles and more importantly offer insurance for sporting equipment outside the house (most require the equipment to be in the house which is not much use for windsuring !). Items need to be itemised and a value placed against them so you need to update as you change gear but other than that Shannons provide a great piece of mind as the next examples will show
2 years back i had a aluminium boom stolen, i supplied the details and Shannons replaced the boom (they cash settled very quickly)
Move on to last week - i hit a sand bar fully powered up, got catapulted and completely destroyed my fantastic severne enigma carbon wave boom (fortunately it was carbon as it probably saved all my ribs by snapping rather than bending !). Picture attached. As you can imagine i was pretty upset !, its probably the most expensive 5 minute sailing i have ever had
On contacting Shannons they indicated that accidental damage was covered (something that i was not aware of) and asked for a valuation and a written report that the boom was unrepairable (kindly supplied by Steve at Windforce) - Shannons have settled in less than a week for the insured value - the service was excellent, fast and i can highly recommend them if you want some piece of mind around your kit . There is an excess however it is minor compared to kit cost and you can agree the excess up front with shannons.
a $1000 boom
You do need to advise them of the value of each piece of kit and it is important to itemise and insure for the "replacement value".
Its rare these days to get a service that really works this well - Shannons - highly recommended from me !
PS - there is no issue with the enigmas strength or quality, they are a fantastic boom - and i already have an identical replacement in the car (again thanks to Steve at Windforce).
Hope this helps others
Waste of money, it would be covered under warranty wouldn't it?
Someone assured me that booms should withstand catapults 
If you want to get rid of it let me know, I collect broken carbon booms 
Select to expand quoteAUS 808 said..
DougT said..
I thought this may be of interest to many, some years back i changed my insurance policy for home and contents from one of the major banks to Shannons - i went with Shannons as they were already insuring my vehicles and more importantly offer insurance for sporting equipment outside the house (most require the equipment to be in the house which is not much use for windsuring !). Items need to be itemised and a value placed against them so you need to update as you change gear but other than that Shannons provide a great piece of mind as the next examples will show
2 years back i had a aluminium boom stolen, i supplied the details and Shannons replaced the boom (they cash settled very quickly)
Move on to last week - i hit a sand bar fully powered up, got catapulted and completely destroyed my fantastic severne enigma carbon wave boom (fortunately it was carbon as it probably saved all my ribs by snapping rather than bending !). Picture attached. As you can imagine i was pretty upset !, its probably the most expensive 5 minute sailing i have ever had
On contacting Shannons they indicated that accidental damage was covered (something that i was not aware of) and asked for a valuation and a written report that the boom was unrepairable (kindly supplied by Steve at Windforce) - Shannons have settled in less than a week for the insured value - the service was excellent, fast and i can highly recommend them if you want some piece of mind around your kit . There is an excess however it is minor compared to kit cost and you can agree the excess up front with shannons.
a $1000 boom
You do need to advise them of the value of each piece of kit and it is important to itemise and insure for the "replacement value".
Its rare these days to get a service that really works this well - Shannons - highly recommended from me !
PS - there is no issue with the enigmas strength or quality, they are a fantastic boom - and i already have an identical replacement in the car (again thanks to Steve at Windforce).
Hope this helps others
Waste of money, it would be covered under warranty wouldn't it?
Someone assured me that booms should withstand catapults
If you want to get rid of it let me know, I collect broken carbon booms
Not sure which bit you are referring to as a waste of money - i'm happy with both the boom and the insurance policy - that boom is also broken right at the head as well, you just cant see it because of the grip - there is no way to repair that and hope to have any strength ! -
i have not requested warranty as the loads i put it through hitting the sandbar would have been well outside normal use - even for a wave boom - catapulting is one thing - doing it into 3 inches of water (the boom actually hit the bottom with me on the other side), is something else and to be honest i am glad not to have broken anything on myself 
"Someone assured me that booms should withstand catapults "
If you don't sail faster than 10 knts I would agree...
In this thread, all the experts said that a boom warranty should cover catapault damage at any speed and any conditions ...
www.seabreeze.com.au/forums/Windsurfing/General/Severne-Enigma-boom-Bad-experience/
why not ask Severne for a new boom?
That's great Doug, I wasnt aware that any company would insure my kit. I'll check it out. Thanks for sharing.
Select to expand quotejusavina said..
"Someone assured me that booms should withstand catapults "
If you don't sail faster than 10 knts I would agree...
I was refering to the Insurance being a waste of money,Select to expand quoteDougT said..AUS 808 said..
DougT said..
I thought this may be of interest to many, some years back i changed my insurance policy for home and contents from one of the major banks to Shannons - i went with Shannons as they were already insuring my vehicles and more importantly offer insurance for sporting equipment outside the house (most require the equipment to be in the house which is not much use for windsuring !). Items need to be itemised and a value placed against them so you need to update as you change gear but other than that Shannons provide a great piece of mind as the next examples will show
2 years back i had a aluminium boom stolen, i supplied the details and Shannons replaced the boom (they cash settled very quickly)
Move on to last week - i hit a sand bar fully powered up, got catapulted and completely destroyed my fantastic severne enigma carbon wave boom (fortunately it was carbon as it probably saved all my ribs by snapping rather than bending !). Picture attached. As you can imagine i was pretty upset !, its probably the most expensive 5 minute sailing i have ever had
On contacting Shannons they indicated that accidental damage was covered (something that i was not aware of) and asked for a valuation and a written report that the boom was unrepairable (kindly supplied by Steve at Windforce) - Shannons have settled in less than a week for the insured value - the service was excellent, fast and i can highly recommend them if you want some piece of mind around your kit . There is an excess however it is minor compared to kit cost and you can agree the excess up front with shannons.
a $1000 boom
You do need to advise them of the value of each piece of kit and it is important to itemise and insure for the "replacement value".
Its rare these days to get a service that really works this well - Shannons - highly recommended from me !
PS - there is no issue with the enigmas strength or quality, they are a fantastic boom - and i already have an identical replacement in the car (again thanks to Steve at Windforce).
Hope this helps others
Waste of money, it would be covered under warranty wouldn't it?
Someone assured me that booms should withstand catapults
If you want to get rid of it let me know, I collect broken carbon booms
Not sure which bit you are referring to as a waste of money - i'm happy with both the boom and the insurance policy - that boom is also broken right at the head as well, you just cant see it because of the grip - there is no way to repair that and hope to have any strength ! -
i have not requested warranty as the loads i put it through hitting the sandbar would have been well outside normal use - even for a wave boom - catapulting is one thing - doing it into 3 inches of water (the boom actually hit the bottom with me on the other side), is something else and to be honest i am glad not to have broken anything on myself
I was referring to the insurance being a waste of money on the pretense that it should be covered by warranty.
Just me being sarcastic, there are a lot of people that believe warranty covers smashing your gear
I am impressed that the insurance paid up 
Select to expand quoteAUS 808 said...
I am impressed that the insurance paid up
Same.
And we'll read the same people winghing on an insurance forum that their premium goes up 15% every year 
Select to expand quotewind012 said..
In this thread, all the experts said that a boom warranty should cover catapault damage at any speed and any conditions ...
www.seabreeze.com.au/forums/Windsurfing/General/Severne-Enigma-boom-Bad-experience/
why not ask Severne for a new boom?
Hi Wind012
- Its an interesting thread.............
I come from an engineering background, everything breaks at some point - i quite clearly exceeded that point, the load a harness line puts on a boom is highly localised - , which is why there are so many bends /breaks around them and catapults are probably the worst - a hand lets go from the force of impact- a harness line cannot - in most instances carbon will return to its normal shape, exceed its limit, it just snaps
i I think we need to be honest with ourselves , manufacturers and insurance companies - i stacked it , i was furious at the time of the incident (but with myself) - no waves, flat water - just not enough of it, it was clearly not a reasonable stress on the boom , i never considered warranty, i spoke openly to the insurers and my local shop about what had occurred and they stated they would replace. Yep my premiums will probably increase - next time i should check out the location a bit better !
I am not sure why a supplier/retailer would /could say a catapult is acceptable - we've all done them and they vary from - nice little trip over the front to having to check you still have limbs attached (i recall having to check once i still had a left nipple left , makes my eyes water thinking about it) - how many boards have been destroyed by catapults - check out a hire centre ! , they can be (and still are) the most violent impact you can have sailing (and the great thing is they are an open experience to any level of sailor!)- there are so many variables
as i said i am comfortable with my journey.............
Select to expand quoteDougT said..
- that boom is also broken right at the head as well, you just cant see it because of the grip - there is no way to repair that and hope to have any strength ! -
It's made of carbon! It is repairable. It could even be as good as before for strength.
The only question would be if the cost of repair (lots of time and labour) would be worth it.
Select to expand quoteDougT said..
as i said i am comfortable with my journey.............
I like your process for what it is worth :)
ie it didn't seem fair & reasonable for a warranty claim (presumably the booms are not sold with an unconditional guarantee for X yrs), and you had insurance so why not use the insurance.
seems honest & reasonable to me.
I just had some good /bad dealings with 2 insurance company's the good they replaced 3 wave boards 3 sails 1 boom 3 mast 2 extensions harness /lines/ uni all they needed was a pic of the gear in the 2week a 16000 check turned up. The bad a certain insurance company failed to advise me my comprehensive insurance on my $65000 car was up by 8 months. There reply was its not up to us to chase you . So when I was talking to the first company they policy is if your insurance runs out they keep direct debiting until you advise them Iam so pissed I didn't go with hbf 
Doug,
After your experience, I was looking at adding some "specified personal effects" to the home and contents I already have with Shannons. I looked up the PDS and found the following restriction in what is not covered:
"Damage to tools, instruments, sporting or recreational and leisure goods and equipment whilst in use."
It seems to me that windsurfing equipment is basically covered at all times except when being used as windsurfing equipment. I suspect you were lucky to have this covered, but it is possible that the PDS has changed since you got your cover. Are you aware if the PDS has changed? To me it looks like you may have been lucky they did not look into it further, as I suspect you may have had your claim denied.
Cheers,
Adrian
I'm surprised the carbon boom broke before your ribs - it didn't work that way for me.
