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  #1  
Old 08-17-2008
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Cruising Insurance - Is there one company for diverse areas?

I'm sure this question has been beaten to death, but I can't find anything - If I'm being totally blond, then please forgive me and direct me to the correct thread...

Here is my dilema. We are cruising, and every time we move to a significant new area, our agent advises us to change insurance company. I don't like to keep doing this as eventually I know they are going to want surveys and other additional expenses... I'm concerned we keep having to spend significant time finding a new insurer, when I'd rather be sailing. I'd rather find a good company and keep with them. I don't mind keep changing our area with the insurance company (and paying the differences), but I want one that will cover the range of our cruising areas, so we don't have to keep changing company.

Here is our situation
We live aboard (have no bricks and mortar anywhere)
We are currently in the NE USA, heading south,
We plan to spend the winter in the South Eastern Caribbean islands.
If all is looking good, we plan to cross the Atlantic and spend a few years in Europe.
Our boat is 1.5 years old currently (I believe most insurance agents will need a survey after 2 years).
The boat is US registered, and we each have 6+ years of sailing experience, including offshore (but not transatlantic) passages.
We have never had a boating insurance incident nor claim

Any suggestions for a good all area insurance company?
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Old 08-17-2008
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Talk with Scott at Jack Martin in Annapolis. You may need to go with Lloyd's to get international coverage. It will depend on a lot of factors - age of boat, intended area in hurricane season, experience, value of boat, etc. as to what you will have to pay.
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Old 08-17-2008
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Suggest you check with IMIS in Annapolis. They have a variety of policies and can easily adjust cruising areas. They are good to work with when you DO have a claim.
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Old 08-29-2008
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I'll second camaraderie on IMIS. Al Golden is a/the principal there. There are a lot of people who say good things about Al being a straight shooter and very knowledgeable.
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Old 08-30-2008
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IMIS is the place to go. Jackline underwritten by Markel is the cruisers policy and will cover you worldwide if you want that.
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Old 09-08-2008
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From personal experience check with IMIS. Also when on east coast the Hartford has good policies for AARP members.
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Old 03-31-2009
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Just wanted to post a better-late-then-never Thank You to all that replied.

We went with IMIS, and the Jackline policy. Covers just what we need. We even bumped into one of the IMIS cruising sales staff in St Marten, and they confirmed Jackline are really good at paying out if the need arises.

Thanks all.
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