Liability for 50 year old vessel - SailNet Community
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post #1 of 10 Old 06-28-2014 Thread Starter
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Liability for 50 year old vessel

Hello,
not sure if this is the right area to post this question, but I can't find a thread that addresses insurance questions.

Has anyone had experience finding liability insurance for a 50 year old boat.

I will be contacting insurance companies to find out if it can be done and what the cost will be, but would like to hear from others who may have already been dealing with this.

thank you
Dale

Block Island 40 (series I) 1959
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post #2 of 10 Old 06-28-2014
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Re: Liability for 50 year old vessel

We use Progressive for our 44 YO Newport 27. $100 a year and no inspections. Works for us.
Happy sailing.
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post #3 of 10 Old 06-28-2014 Thread Starter
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Re: Liability for 50 year old vessel

Thank you,
I will give them a call to see what they say.

Dale
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post #4 of 10 Old 06-29-2014
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Re: Liability for 50 year old vessel

You made need a survey, but I don't think you will have any problems.

Nice boat BTW :-)
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post #5 of 10 Old 06-29-2014
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Re: Liability for 50 year old vessel

I use Progressive as well for my 47 yr. old boat. They even cover me offshore through the Bahamas for a few extra bucks and include accidental spill insurance which is something to consider in any liability ins. you buy.
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post #6 of 10 Old 06-30-2014
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Re: Liability for 50 year old vessel

I went to see the same agent who handles my house and cars. Of course of you don't have an independent agent....

This is one of the benefits of finding an independent insurance agent. She found a great rate and one that gave me a discount for having taken the USCG Aux Boating course too.
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post #7 of 10 Old 06-30-2014
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Re: Liability for 50 year old vessel

progressive here too when I had to have insurance...did it over the phone and it was cheap as bones...

I think they are the easiest to use...

no survey, nothing...

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post #8 of 10 Old 06-30-2014
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Re: Liability for 50 year old vessel

Whoa! You have a *Block Island 40*?? And looks drop-dead gorgeous, Bill Tripp would be proud of you. What a fiberglassic classic.

I'd insure it, if I had an insurance company, that is ;-).

Older wood hulls may be hard to insure. Yours shouldn't.
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post #9 of 10 Old 06-30-2014
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Re: Liability for 50 year old vessel

Most companies actually don't underwrite the policy on boats themselves they use formost marine to underwrite for them and then charge you an agent fee ask whichever company you get quotes from who actually does the underwriting then contact the underwriter directly it I'll be cheaper in most cases.just my two cents worth and there are many threads on here dealing with insurance.

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post #10 of 10 Old 06-30-2014
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Re: Liability for 50 year old vessel

if you have chosen progressive, be sure to read AND understand what you have written in your policy and in what state that policy is written. You are assuming they know something about boats and marine policies. They do not.

What they say they will do in the event of a loss and what they will actually do are TWO different things.

Check here and other sailing sites for more experiences.
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