I am going to come out and say what a lot of people on this board are thinking. You cant afford this boat. You NEED liability insurance. If your boat sinks or leaks, the environmental cost is high. You may think it cant happen to you. You are wrong. The cost of insurance for you, is the insurance cost and either a quick haul or a survey. You can't separate them. If your boat breaks loose and hits my boat, YOU are responsible, not your $500 boat. You will be on the hook for any damage your boat does.
man. you guys are killing me. has anyone read this thread?
I AM NOT LOOKING TO AVOID GETTING INSURANCE. the whole purpose of this entire thread is that i was looking TO GET INSURANCE.
in case anyone is just coming to this tread and would actually like to know what is going on:
i posted this thread looking for insurance or survey information. i had been looking for insurance and everyone wanyed a survey first, except progressive. progressive, however, was seriously expensive.
so, i posted hoping someone might be able to recommend a carrier that wouldn't require a survey, that wasn't outrageously priced, or recommend a way to find a less expensive survey.
so, i was looking to get insurance and save a little money. terrible of me, i know.
one poster recommended Foremost insurance. i tried them. bingo. just what i was looking for. good price and no survey. the one issue was they needed a few photos of the boat, hauled so they could see the whole thing.
not a terrible requirement but not a timely one. the boat is in the water and it's too cold to do the stuff i need to do when i do haul it, so i stated that i was going to see if the owners on the marina would let me slide, on the insurance, til it was warm enough to do what i need to do while it's on the hard.
well, i don't think that's a terrible thought, either. the boat has been there for years. first, while the PO was living in it, and for the last couple of years it's floated there, abandoned. it has no motor. no oil. no gas. it's just a fiberglass boat tied to the dock. it's sat like that all this time and nothing has occurred. it's probably a safe risk that it can sit for another two months without destroying the place. it's got 6 bow/stern lines, all in good condition. the chance that it is going to break away is pretty slender. and it hasn't taken on any water all of these years.
but that's not the point. if i explain the situation to the marina owners and they are cool to give me this leeway, what is so terrible about that? nothing, that i can see.
then, i pondered if it might not be possible for the boat to be hauled out, photos taken while on the lift, and put back in, for less cost than a full haul out. i figured, if it is, i could get the photos now and haul it for work when the weather permits. and one poster said that that is something that is possible.
so, i was going to see if they can work with me and if not see if i can have it temporarily hauled. end of the actual pertinent discussion. all the rest is useless BS.
notice that there is one common theme throughout: i am trying to get it insured. but somehow, i have become public enemy number one. despite the fact i keep saying i am not trying to avoid buying insurance, i keep getting bashed for trying to have a boat without buying insurance. i can only suppose no one is bothering to read any of my posts...or, perhaps, they are only reading the parts of my posts that they want to read. idk.
but, you guys can keep debating the evils of not 'following the rules' ( who makes the rules, i wonder, and who made him god? )and bashing me for something i am not even trying to do. you can condemn me for the crime of not being afluent, yet still thinking i should be able to sail, all you want. knock yourselves out. i'm done with this thread. it stopped yielding useful information a good while back. i have more useful things to do with my time, like getting this boat ready to sail and pulling fuzz out of my belly button.
PS it's a $300 boat, not a $500 boat.