10K$ boat --- Are Insurance and Survey REALLY mandatory? - Page 5 - SailNet Community
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post #41 of 75 Old 01-30-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

Robert, this thread will give you insight on what to expect from brokers & sellers ('forewarned is forearmed', right?):


P.S.--- Beverage Warning --- good info here, and some funny stuff too --- put the beverage down ---

Are ALL Sellers LYING MORONIC DOUCHBAGS??

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"The skipper should be the calmest person on board. It is good for the morale of those around you. However, if everyone around you is frightened then be aware of the possibility that they know something you donít."

~~Dylan Winter,
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post #42 of 75 Old 01-30-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

No you don't need either IMO. Insurance isnt expensive though and you can find places that will cover you without a survey.

I don't trust insurance companies to pay if something did go wrong so I vote no.

You do have to know what you are looking for when you shop for boats and only you know how well you think you'll do.

It seems to me that the boats that are shiny and nice and well taken care of are probably fine and the ones that look like they have been sitting for years are likely to have problems. So in a oat that been actively used an the owner is moving or upgrading.

It would be good to have someone who knows boats go with you.


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Last edited by northoceanbeach; 01-30-2014 at 10:38 PM.
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post #43 of 75 Old 01-30-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

For the record, I never said I'd do something violent. The fact that you read that into my comment speaks volumes. That, and the fact that your first comment in this thread is to attack me personally, then you come in later and insist that the mods slap ME around? Classy.
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post #44 of 75 Old 01-30-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

A 10K boat can easily cost you 10K to keep it afloat. (Ask me how I know ...) If you don't know boats and you're looking for a bargain, you're going to end up with a boat that needs lots and lots of work. A new diesel? 10-20K. New sails? 5K or more. Cushions? 3-4K. Rigging? 2K. Why would you not pay a surveyor $500 to find out what the boat needs?
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post #45 of 75 Old 01-31-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

Quote:
Originally Posted by joethecobbler View Post
Timr-
it would be convenient to the argument of the insurance requirements if I did feel no "personal responsibility " but thus is not the case.
Who? would be responsible for my action besides me?
as per your boat, home, and years of work etc. I think if you value them as I'm sure you do,it would be "irresponsible " for YOU to not insure yourself against loss resulting from others or risk loss on your own choice.
example - I paid $2000 for my boat, does that mean everyone on the water should carry enough insurance to replace/repair my boat? or that I need only carry that amount?
what if I have a ten million dollar boat and my paint job is worth more than all your assets combined? are you irresponsible for not carrying enough coverage for my paint job?
you see it now becomes a question of scale and proportion.
Am I prepared? you asked, as much as. I feel I need to be,are you.
You better be careful out there. A lot of us are still more than capable to go "old school" towards those who exhibit this type of reckless mentality. If you wreck my boat AND you think it is my problem because you don't believe in insurance or you "have no money in your pockets", I do not think you comprehend what you are getting into. We care about our boats more than you can imagine and we (or at least I) will NOT take this type of attitude lightly. Trust me, you really do not want to find out what we are capable of.

You are much better of being responsible for your own actions and, if something happens, be ready to make the other sailor & his boat right. No matter what it takes. Period.

Happy sailing. It is beautiful out there. I hope you get to enjoy it [responsibly, that is].

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post #46 of 75 Old 01-31-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

Insurance on a boat worth less than 10K is dirt cheap, and worth every penny from a liability point of view. Surveys? Again, on a less than 10K boat, what are they really going to tell you? Both of my boat purchases, which were in this category, included a mask and a dip. Relying on someone else to tell you what the bottom looks like, and paying them to do it, when you can dive in and look for yourself, never made much sense to me.
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post #47 of 75 Old 01-31-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

Quote:
Originally Posted by joethecobbler View Post
well Rambo, that sounds alot like a threat of illegal retribution. or threat of violence.
which one you wanna go with?
and just exactly what are you capable of beside empty threats on an internet chat site to people you've never met or even seen?
what possibly could you be saying? that you're threatening me? If that wasn't so hilarious it might be criminal. As I said, the only way I'm buying insurance is if it required by law to register and operate my vessel. don't like it too bad.you cannot do anything about it.
of course everyone that buys insurance has a vested interest in forcing everyone else to pay for it as it widens the paying pool and keeps premiums lower if there are more participants.
Sorry, I'm not subsidizing your fear and/or policy.
And, you can't make me.
see you on the bay.
He can't do much but if there is an issue I bet his insurance company attorneys can do a lot
Not to mention his own attorney I don't believe he was advocating physical violence

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post #48 of 75 Old 01-31-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

Did we scare the OP away?

Robert, come back.

SailNet is not exactly an exercise in classroom didactics --- it's more like a backyard barbeque bull session, wandering all over the place, but usually, eventually, circling back to your question --- and sometimes the side trips will show you things you didn't know you need to know.
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~~Dylan Winter,
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post #49 of 75 Old 01-31-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

Progressive is very affordable and does not require a survey. I would not be without it. As to a survey, I did not get one a year ago and it turned out very well. What I did do was read every word of these forums for a year asking questions where needed. Plus I made a good friend in the area who was an experienced sailor. He came with me on third visit to the boat and made great suggestions. That and I went slow. If your budget is 10k shop in 6k range. Plenty of decent boats in that range out there unless you want to circumnavigate. Keep 4k back for things like repairs, delivery, and Splashing.
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post #50 of 75 Old 01-31-2014
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Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?

Progressive has gotten (and earned) mixed reviews. Something they share with most of the home/auto insurers is a lack of experienced marine damage adjusters. A friend of mine had his boat covered by his home and auto policy, and the adjuster was green around the gills (rough water after a storm) and rapidly finished his work, very generously. Except, the boat wasn't hauled to check the underbody and subsequently they missed a damaged rudder and expensive replacement of that.

These are the kind of things that an inexperienced owner might not think to ask about, and a "sure, we do boats too" insurer might not think to deal with. Intentionally or accidentally.

Joe-
Killing the Bhuda is a bit hard to explain. I suppose the short version of it, is that things are not always what they seem, or what we would have them be. You'll find plenty of references to the phrase online that go deeper. And that even for peaceful people, sometimes violence is the correct action. If the answer was simple, it wouldn't come from philosophy, would it?
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