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How sailing certifications affect insurance

I was reading through another thread about sailing schools and came across a post that mentioned discounts on insurance if you have taken certified courses. It piqued my curiosity as to whether or not this is actually true in reality, and if so, are those discounts significant enough to justify the cost of certification if I do not intend on ever chartering a boat. Does anyone have experience with this that they are willing to share? I don't like prying into peoples financial affairs.
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Re: How sailing certifications affect insurance

Good question and something I would like to find out myself. I know for sure its needed when renting sailboat for a holiday, that makes sense, but I also read that the insurance final offer is influenced by the certifications of the boat owner. I was wondering what's the overall criteria for that but I couldn't yet find this data.
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A lot of insurors just want to see training certificate, they don't care what it says. I'm using Allstate on the Great Lakes and they gave me a discount for having a USCGAux cert (actually had several). When I got my 100 ton license they said I was already getting the only discount available in that area. I've heard the same about other companies as well. If you were insuring for crossing oceans, the level of training probably does make a difference.
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Re: How sailing certifications affect insurance

I haven't a clue about sailing school certifications, but as a licensed captain (4 licenses; USCG master, British Chief Officer unlimited, and 2 other unlimited master's certificates [all of which I've actually worked under)]), and a goodly amount of experience under power and sail, I've never gotten one thin dime of discount, operating commercially or privately.
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Re: How sailing certifications affect insurance

When I bought my first boat I had it insured with Farm Bureau, the same company that also insured my home and vehicles. They never mentioned any discounts other than the one they gave me for having multiple policies and I didn't know enough to ask. One possible reason is that I was on an inland lake and in a rural area. Most of the boats around my home are bass boats and pontoons. I've never attended a formal school nor do I have any certifications.

I've read about these discounts enough to make me curious as to the scope of availability and amounts of cost reduction. Maybe it depends on the individual insurance company? And even if these types of discounts are available throughout most of the industry, are they significant enough to warrant consideration in getting certified?

Capta, are your license's valid for sail as well as power craft? I'm not really sure on how the whole licensing thing works in regards to power vs. sail. Or could it be a regional thing like inland/coastal waters versus open ocean?

Capt. JGWinks, if you don't mind me asking, how much of a discount did you receive? And again, I'm wondering if insurer's make a distinction between inland/coastal areas of intended use and policies that cover crossing oceans.

Thanks for the responses!
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Re: How sailing certifications affect insurance

Why not ask your insurance agent? If they don't offer any discount, try another company and see if they do.
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Re: How sailing certifications affect insurance

I've actually asked my insurance agents, both of them, and as far as the insurance company is concerned, the license has no bearing on the premium cost. It was the same regardless of whether or not I had a license or was certified. And, when I applied for the insurance on my boat, the agents never asked about a license or certification.

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Re: How sailing certifications affect insurance

I asked and my insurer said that it wouldn't make any difference to them I would still pay 100 a year (fomost maritime insurance)
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Re: How sailing certifications affect insurance

I can't dig back in history to prove it, but I could swear that a safety course allowed for a discount at one point. Perhaps, as they are often required by the States now, there is less differentiation between those with and without.
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Re: How sailing certifications affect insurance

Individual Insurance Carriers may offer discounts (or surcharges) for any number of things. It is up to the company to price their product as they see fit, depending upon the regulations in that particular state, of course.
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