Insurance Question ???

[rjcaudle]

My Tartan 34' is insured for U.S. and Bahamas. However, I wish to take the boat to Bermuda next Spring (not covered)

Any advice on who would insure for a 4-6 week trip?

Thanks for all advice.

rjc

[Sabreman]

Try BoatUS. They cover everything and have reputedly awesome service.

[rjcaudle]

Um, my insurance is with Boat US, that's who won't cover Bermuda. LOL

Any other suggestions. Something about 34 ft boat was their response

[Lake Superior Sailor]

Try Progressive & they are inexpensive-Dale

[Minnewaska]

No offense, but often it is the skipper they won't insure, not the boat. Do you have offshore, overnight experience? The Bahamas can mostly be done in daylight.

My advice in these situations is to find an insurance agent that has a reasonable marine practice. They are easy to find in marine towns and thus typically have relationships with several insurance carriers and know where to go. You will do even better, if your house and car are insured there too, as they can often leverage the business for discounts and get coverage when the companies are otherwise on the fence.

[rjcaudle]

I'm speaking of Bermuda, no the Bahamas. In regards to experience, I have limited offshore experience. But I am hiring a captain that is licensed and delivered boats all over the world with 40 + years experience.

rjc

[Minnewaska]

Originally Posted by rjcaudle

I'm speaking of Bermuda, no the Bahamas. In regards to experience, I have limited offshore experience. But I am hiring a captain that is licensed and delivered boats all over the world with 40 + years experience.

I was referring to Bermuda as well, which takes 4 to 5 days offshore to reach as opposed to the Bahamas that never have to be more than a daylight sail away. That is, in part, why the insurability is so different.

I meant no offense or criticism of your experience, only that the insurance companies can get picky.

You can get delivery insurance, but they will be equally picky about identifying and specifically insuring the professional crew too: years on the water, years experience with similar size boats, number of similar passages, etc. Just a photo copy the Captain's license won't do.

Find that agent, they know who wants what. Good luck.

[rjcaudle]

No offense taken. I am indeed an offshore newbie. But my captain is as experienced as anyone. So hopefully this will work out.

Thanks, I will inquire of an agent.

rjc

[vega1860]

I know this sounds radical, but how about personal responsibility and good seamanship? Good ground tackle rates pretty high too.

Call me crazy, but I have never let the lack of insurance stop me from going anywhere.

[killarney_sailor]

It would be cheapest to get a rider on an existing policy. Do you have a recent survey? A new insurer will probably ask for one.