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used boat valuation
Info on buying a houseboat/moorings?
I'm looking into buying a houseboat and have seen one i like for about £8,000. Now I'm a first time buyer and would like some advice/info on what I'm getting into, ie, is it a good choice, how do I go about getting moorings and how much it would be, is it an expensive way to live etc. basically any information anyone could give me at all would be greatly appreciated. Thank you 
I would also suggest visiting moorings in your area during the week, rather than at weekends, when there will be a higher proportion of live-aboard boaters, whether legitimate or undercover. Have a chat with people already there, but try not to look like you have come from the council!
Boaters generally tend to be friendly and helpful and you should get a lot of information about what goes on locally, but be prepared to take it with a pinch of salt and make your own enquiries to substantiate the information.
The following information is intended as an overview - reality may be more complicated!
A residential mooring will usually have planning permission for residential use, and those living there will be liable for council tax.
There may be people living on boats 'illegally' on non-residential moorings, as it is all they can afford and if the council knew they were living there, rather than holidaying, they could be forced to apply for planning permission which may be refused and could jeopardise others in the same position.
Your mooring agreement may have conditions built in about how long you can stay on a boat and breaching those conditions may put you at risk of losing the mooring. Generally marinas tend to be more restrictive, more expensive, more secure with more facilities. Canal side or riverbank moorings tend to be less secure, cheaper and have fewer or no facilities. Check out mobile broadband reception if you want internet - very few moorings will have landlines although some marinas may have wireless broadband.
On inland waterways, you will need to have a toilet which collects the waste, although washing and washing up water can usually be released into the waterway. You will need to be able to move the boat to a pump-out station to empty the 'black water' or toilet tank. A portaloo will have a cassette you can disconnect and take to an emptying point, but it will be quite heavy when full.
A boat should have a fresh water tank and you may need to move the boat to a water tap to fill it up unless there is water available at the mooring.
Most boats are wired for 12v and 240v mains. The 12v comes from the engine but will not power large items like a washing machine. 240v mains may be available on the mooring, but if not, you will need a generator on board or a lot of 12v power and a hefty inverter. If you generate your own power, there will be maintenance and fuel costs. Expect a substantial lifestyle change!
Heating and hot water may be by gas. This generates moisture when burned and can contribute to condensation in what is already a high humidity environment. Ideally, consider a boat which is well insulated and has an enclosed heat source (like a multi-fuel stove). If it can be used for cooking as well, that's a bonus. Install a carbon-monoxide detector.
In terms of overheads, a lot will depend on the boat.
Wooden boats are by far the most expensive and labour-intensive to maintain as wood easily rots in the waterside environment.
Fibreglass is long-lived, but may suffer from osmosis underwater, where water gets inside the gel coat and and separates the layers of fibreglass. This can be expensive to correct.
Steel is subject to corrosion and electrical erosion. It needs sacrificial anodes on the hull which will need to be replaced every few years as they disappear.
Reckon to get your boat hauled out every three years or so to get the bottom scraped and antifouled. This is a good time to check the anodes and replace them if necessary. If you are in a tidal river estuary, with salt and fresh water alternating, underwater fouling will be less of a problem.
There is also boat insurance - like any insurance, get several quotes and go for fully comp with contents cover, not just third party, or you could lose everything. Most companies will need a survey report and valuation when taking on new insurance.
On most inland waterways, you will need a boat safety certificate for insurance and registration. This is like an MOT on the boat and runs for several years. The regulations keep getting updated, so just because it has a certificate does not mean it may be automatically renewed on inspection.
In general, living afloat can be cheaper than living on land, but brings a very different set of priorities and boats tend to go down in price rather than up like houses! If you start cheap and keep it in good condition, however, it should hold its value pretty well.
There are books on living aboard and waterways magazines. Read all you can, talk to other people, spend time on different boats. Some will sit in the water and hardly move, some will bob like corks. Can you cope with a mobile environment, or will it rock you to sleep like a baby?
Good luck 
)
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| | 285fpb Pro Inflatable Pontoon Fishing Boat Package $899 The unique U-hull configuration of this one man fishing boat provides the maximum fishing space with the least amount of hull weight. It can be used two ways - in it's lightest configuration, without a wooden floor using the inflatable Pro Angler Seat and rowing with the included oars or fully rigged, with wooden floorboard for standing and casting, pedestal swivel seat for 360° fishing while sitting, motor mount for small gas or electric engines. Weighing only 38 lbs, with the Pro Angler Seat this is a super lightweight, super portable fishing craft. Even when equipped with floorboard, motor mount, and swivel seat this boat weighs only a total of 72 lbs. The NEW Hunter Green 285fpb is a stealthy inflatable boat that's perfect for fishing or hunting. It goes anywhere, sets up in just 5 minutes and can fit in the trunk of a car. |
| | 285fpb Deluxe Inflatable Pontoon Fishing Boat Package $649 The unique U-hull configuration of this one man fishing boat provides the maximum fishing space with the least amount of hull weight. It can be used two ways - in it's lightest configuration, without a wooden floor using the inflatable Pro Angler Seat and rowing with the included oars or fully rigged, with wooden floorboard for standing and casting, pedestal swivel seat for 360° fishing while sitting, motor mount for small gas or electric engines. Weighing only 38 lbs, with the Pro Angler Seat this is a super lightweight, super portable fishing craft. Even when equipped with floorboard, motor mount, and swivel seat this boat weighs only a total of 72 lbs. The NEW Hunter Green 285fpb is a stealthy inflatable boat that's perfect for fishing or hunting. It goes anywhere, sets up in just 5 minutes and can fit in the trunk of a car. |
| | Stealth Stalker 10 Deluxe Inflatable Pontoon Fishing Boat Package $999 The Hunter Green Stealth Stalker 10 is a new kind of fishing boat equipped for use in various fishing conditions... on rivers, lakes, bays...in calm or rough weather. Comfortable for two, easily handled by one! This roomy, portable, light weight boat features a fully enclosed hull for use on almost any body of water. Wide sectional floorboards provide plenty of fishing space and a conveniently located stow bag makes for easy access. The NEW Hunter Green Stealth Stalker 10 is a stealthy inflatable boat that's perfect for Fishing or Hunting. Lightweight and portable it goes anywhere and sets up in under 15 minutes! Utilizing a round-hull configuration with an inside cockpit this enclosed boat gives anglers a safe secure feeling while fishing in calm or rough seas. A truly stable and functional fishing craft that can be used in a wide range of fishing and water conditions. |
| | Stealth Stalker 10 Pro Inflatable Pontoon Fishing Boat Package $1249 The Hunter Green Stealth Stalker 10 is a new kind of fishing boat equipped for use in various fishing conditions... on rivers, lakes, bays...in calm or rough weather. Comfortable for two, easily handled by one! This roomy, portable, light weight boat features a fully enclosed hull for use on almost any body of water. Wide sectional floorboards provide plenty of fishing space and a conveniently located stow bag makes for easy access. The NEW Hunter Green Stealth Stalker 10 is a stealthy inflatable boat that's perfect for Fishing or Hunting. Lightweight and portable it goes anywhere and sets up in under 15 minutes! Utilizing a round-hull configuration with an inside cockpit this enclosed boat gives anglers a safe secure feeling while fishing in calm or rough seas. A truly stable and functional fishing craft that can be used in a wide range of fishing and water conditions. |
| | Boat Carry Bag $49 The real time saver of this bag design is the way it wraps around the boat hull. You don't have to spend time folding the boat to the exact proportions of the bag. Just roll up the boat and place on the open bag, and wrap the flaps around it. This bag is compatible with our 10.6sr. |
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| | 14sr Deluxe Inflatable Boat Package $2499 The 14 ft. Sport Runabout is sure to be a favorite of larger groups as well as police and fire departments alike. This rugged boat can carry up to seven adults and gear and is able to accommodate up to a 40 hp/long shaft engine. So this boat can really move! The 4" inflatable external keel allows it to cut through chop with ease and the rounded bow design has increased buoyancy, fuel efficiency, cargo space and provides for much a easier ride. |
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| | 10.6sry Deluxe Inflatable Boat Package $1449 The 10 ft. 6 inch long Sport Runabout now in high visibility yellow makes for an excellent, lightweight ship to shore tender and all around great boat. The larger vessels are sure to see you coming and going, especially at night and the bright yellow is easily seen from above. The rounded shape maximizes interior space for cargo, creates less drag on the water, provides a much smoother softer ride and improves fuel efficiency. The extra wide 6" Rubbing Strake provides an added layer of protection and the inflatable Drop Stitch Floor Package keeps the overall hull weight under 100 lbs. while still able to carry 5 adults or 1200 lbs. with ease. |
| | 12.6sry Deluxe Inflatable Boat Package $1899 Now in high visibility yellow, the 12 ft. 6 inch long Sport Runabout is a mid-sized inflatable sport boat. Large enough to be considered a serious transom boat yet light enough to be placed inside or on top of an average vehicle. Best of all there's no trailer required. The extra wide 6" Rubbing Strake provides an added layer of protection and the rounded bow shape increases cargo space, buoyancy, fuel economy and makes for a softer ride. The inflatable Drop Stitch Floor Package keeps the overall hull weight at just 108 lbs. verses 147 lbs. with plastic floorboards. That's over 25% lighter while still able to carry up to 6 adults or 1600 lbs. |
| | 12.6sr Drop Stitch Deluxe Inflatable Boat Package $2099 The 12 ft. 6 inch long Sport Runabout is a mid-sized inflatable sport boat with plenty of room. Large enough to be considered a serious transom boat yet light enough to be placed inside or on top of an average vehicle. Best of all there's no trailer required. The rounded bow shape increases cargo space, buoyancy, fuel economy and makes for a softer ride. The inflatable Drop Stitch Floor Package keeps the overall hull weight at just 108 lbs. verses 147 lbs. with plastic floorboards. That's over 25% lighter while still able to carry up to 6 adults or 1600 lbs. |
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| | SE 9 Startup Inflatable Boat Package $349 This lightweight, affordable, inflatable fishing boat holds up to 4 people, is super stable and works great with small gas or electric motors. |
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DescriptionIn my nearly forty years in the insurance profession, I have noticed those insureds who are given a basic knowledge of the options which are being offered to them, as well as explanations of their existing coverage, are the clients which an agency will retain for a number of years... |
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