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Old 03-31-1999
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Boat Insurance

Perhaps you could discuss options on boat insurance. The rep's description of the long-range cruising insurance sounds very restrictive, e.g. filing an itinerary with the insurance company, staying on schedule and reporting in throughout the entire cruise. I would rather avoid that type of restriction in my new cruising life. It seems I must submit a sailing resume that will be sent along with my application to a number of carriers who will then "take-it-or leave-it."

Paul

Sue and Larry respond:

Insurance is sometimes a royal pain in the transom. In fact, we hate insurance but we carry it because that's what we're comfortable with for our current boat. If our boat were less expensive, we would consider not carrying insurance at all. It's fairly common with cruisers going down island and other places off the beaten path to not carry any insurance. It's a tough call, but many cruisers spend one year's worth of insurance premiums on additional safety equipment for their boat, particularly ground tackle-big anchors and lots and lots of chain. Most importantly, though, you have to be comfortable with your decision yourself.Best Regards,
Sue & Larry

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