Towing insurance - Page 2 - SailNet Community
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post #11 of 25 Old 03-01-2007
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It is worth mentioning that for alot less money for tow company insurance, you can add an endorsement to your hull policy which has two advantages:
1. either a high or no limit on coverage, and
2. the entertainment value while your waiting - it's fun calling on the radio "any tow vessel please respond" and watch them race each other to the scene
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post #12 of 25 Old 03-01-2007
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Which tow company?

I need coverage from the Bahamas to the Great Lakes. Which company has the bst coverage for that cruising area?
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post #13 of 25 Old 03-01-2007
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There appears to be a third advantage - no limitation on geographical area coverage. If towing is part of your overall hull policy, it makes no difference where you are or with which company you contract for assistance.
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post #14 of 25 Old 03-01-2007
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I wouldn't go anywhere without either Boat/Us Towing or Sea Tow. The cost for the protection is minimal compared to what it may cost for a grounding or loss of engine. It happened to me less than 1 nm from the marina. Lost the trany and the current pushed us into shallow water. Boat/US came and by the time it was all finished and at the marina dock it was over $650; and that was 4 years ago. I am with Sea Tow now with unlimited towing and they can cover me when I am in the BVI.

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post #15 of 25 Old 03-02-2007
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I am an independent tower who contracts with Boat US (we're vessel assist on the west coast). I charge $175/hr and I try to tow between 5 and 6 knots depending on the boat and sea conditions. My typical tow last 6 to 8 hrs. If you are not a member I require a working credit card number up front. For most people it's better to be a member, when you need a tow (sooner or later every one needs a tow, even me) you just call on the radio, give me your member number and I tow you home no fuss or muss. Also members have priority over nonmembers which can mean the differance of waiting 5 or 6 hours on a busy weekend.
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post #16 of 25 Old 03-02-2007
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Enhydras,

So what is a hard grounding and what is a soft?

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post #17 of 25 Old 03-02-2007
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Quote:
Originally Posted by Enhydras
I am an independent tower who contracts with Boat US (we're vessel assist on the west coast). I charge $175/hr and I try to tow between 5 and 6 knots depending on the boat and sea conditions. My typical tow last[s] 6 to 8 hrs. If you are not a member I require a working credit card number up front. For most people it's better to be a member, when you need a tow (sooner or later every one needs a tow, even me) you just call on the radio, give me your member number and I tow you home no fuss or muss. Also members have priority over nonmembers which can mean the differ[a]nce of waiting 5 or 6 hours on a busy weekend.
I'm not sure you want to respond to this question but - Is it really the policy of your employer that you selectively respond to requests for assistance based upon membership status rather than exigency?
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post #18 of 25 Old 03-02-2007
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I would think that all else being equal, ie no real emergency, just stuck or adrift, that the policy would be members first.
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post #19 of 25 Old 03-02-2007
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I believe the major difference between soft and hard groundings is the damage done to the boat. In a soft grounding, the boat is not damaged, and is not in danger of being damaged—just stuck. In a hard grounding, the boat is usually damaged, and possibly taking on water or in danger of further damage.

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post #20 of 25 Old 03-03-2007
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I've used my towing insurance a few times in the past 10 years, in about 5,000 miles of cruising. Yes, it's been worthwhile -- even a short tow is expensive. And the time we needed a diver to free a fouled prop would have been _really_ expensive!

I use Boat/US.

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