Buying A Boat - Top Things To Consider
You're looking for that ideal boat - just where do you start? You don't want to proverbially through your money into the water when you buy a boat; to do so the right preparation is needed! This guide will outline the main questions you will want to ask before you go about buying your boat and organising boat couriers.
What sort of boat?
Where will you be sailing - messing about on the river, inshore or sea fishing, cruising the inland waterways, sailing round the coast, towing water skiers, heading out to sea or even living on a boat. Do you prefer sailing or power? How many people will your be carrying and how long will they be staying on board? You should ask these questions before you look at any boat more closely.
Which brand?
Faced with a massive choice of manufacturers and models, how do you find out more about the boat that suits you best. The internet is clearly a great source of information. You can look at the specifications for different models, download brochures, compare prices and even take virtual tours on certain websites. Specialist magazines review boats and you may be able to get archive reviews from the publishers' websites. Boat shows are a great way of seeing a new model in person and to grill the manufacturers over their selling points.
Second hand boat or Brand new?
Finance is the obvious deciding factor. New boats cost more, but you wouldn't expect to have the maintenance and repair costs associated with an older boat. Bargains can be had from used boats in great condition with a full service history and warranty, equally a boat with a less than careful owner without a warranty could be damaging to your wallet and time after purchase.
You also need to consider the total cost. The price advertised might not contain all the eventual costs. Nearly all prices stated will cover the bare minimum, meaning you should always ask what is not included for the price point. You could be in for a few surprises. A used boat may come with a whole slew of additional items and gadgets that will save you money.
Private seller or dealer?
You would probably expect to pay less when you buy privately - dealers have to add a margin to cover their costs and run a profitable business. Like cars, the risks and rewards are largely the same. Dealers have their reputation to protect, so would be unlikely to try to offload a problem boat on an unsuspecting owner. A real bonus is the fact that they can offer a warranty that will protect you against unexpected repair costs in the initial stages of ownership. With a private owner, you are unlikely to get a warranty and you have to take the owner's word on the condition of the boat.
Inspect carefully
You wouldn't buy a house or car without a careful inspection, particularly if you are buying used, so treat your boat purchase the same way. A Professional surveyor will be able to provide a full and objective report on the boat. In fact, many finance houses and insurance companies will insist on this.
Whether you use a surveyor or not, make sure you check these essentials:
Check the condition of the hull, the paintwork and fittings.
Look out for damage and at the same time indications that damage has been covered up such as fresh paintwork.
Make sure the ropes, cables and controls are fully operational and that you feel comfortable using them.
Water marks are a good indication of leaks and you should keep your eyes open for any other tell tale signs.
Inspect the condition and operation of the engine for leaks and other signs of wear.
Financing your purchase
Don't forget to include all likely costs in your budget - purchase price, additional equipment, transport to your preferred mooring place, insurance and estimated operating and maintenance costs.
Insuring your boat
You will need to insure your boat against theft, accidental damage and other risks. Don't forget to include personal effects and cover against third party claims. A specialist marine insurance company can advise you on the most suitable cover.
Documentation
Even if you are buying privately, you should have a written sales agreement which sets out everything that is included in the price and gives the seller's full details. You should also ask for registration documents and any available service records.
Boat moving
If you are buying a boat in another part of the country, you will need some form of boat transport unless you plan to sail the boat back to your local mooring place. An useful tip: make sure you find a specialised boat transport company and not just a man with a van. If you do not have a suitable trailer of your own, or you don't wish to tow a boat, you can use the services of a specialist boat transport firm.
Questions and Answers
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