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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > Is insurance required to enter Bahamas?
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Thread: Is insurance required to enter Bahamas? Reply to Thread
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Topic Review (Newest First)
04-06-2013 08:44 PM
capta
Re: Is insurance required to enter Bahamas?

I'd love to pay even a grand a year for decent insurance, but @ 6 grand a year to bet against myself, I don't see the logic.
When I was operating vessels commercially, carrying passengers on COI vessels, my insurance agent once quipped "your insurance is to pay for the lawyers, not for any incident!".
If the insurance companies would get a tiny bit realistic and give discounts for living aboard, licensing and experience it might help. I would guess that 90% or more of the boats damaged or destroyed by Sandy, for instance, were unattended vessels.
Like Capt AAron, we don't worry about our ground tackle, nor do we run at speed through a crowded anchorage. Though we sail from anchorage to anchorage, if there are vessels around us, while picking up or dropping, the engine is running, if not in gear.
Our biggest fear is the other guy hitting us, not our possibility of doing damage to someone else. I'll put her aground first! If I do damage your vessel then the 6 grand a year I haven't tossed down the drain is in the bank for you and I will make it right. I will take responsibility for my actions.
Liability would be nice, but the inherent risk (insurance wise) of a sport like sailing is assumed when someone gets aboard your boat and unless they could show negligence, they would be hard pressed to win a suit (also from the agent mentioned above).
For us, it still boils down to betting 6 grand a year that we will screw up.
04-06-2013 03:24 PM
Capt.aaron
Re: Is insurance required to enter Bahamas?

Quote:
Originally Posted by Capt.aaron View Post
I care so much for the other guy, that I would never and have never come close to ever hitting him. I care so much that I never move in tight quarters faster than I can fend off with a finger. I care so much that I use huge anchors and over sized cahin, over kill chafe gear. I set them by hand and dive them morning and evening. I care so much that in over 20 years I've never come close to messing with some ones bizzness. I care so much for the other guy, that I made sure I was fully trained in the art of boat handling before I went out and start handling my boat. Insurance in a foreign country is a false senese of security. look at the trouble that CKtalons girl had last year when she got hit here in the states. They will fight it tooth and nail to find a way not to pay for your mistake. I've Never had insurance in the Bahamas on my boat, and don't recall ever being asked for it any of the marinas I pulled into. The irresponsable guy is the one zooming around the marina and anchorage, in gear when he's already moving forward at 3 time the speed he needs to be because he's a self taught sailor who can afford to be a ninkapoop because, what the @#!*% , he has insurance. he's the one who does'nt care enough about the other guy to move at bear steerage way. Insurance is minding what you are doing to insure that you don't do dammage to other peoples property.
That being said, I have contemplated shopping for liability insurance this year. Mostly just to show that I actually give a sh!t. But I''m relocating to Central America. I'd like to hear some story's from people who have had an insurance company pay out in the Bahamas, or another country, what kind of policy it was, and what happened. ya know, the particulars.
04-06-2013 02:03 PM
Sal Paradise
Re: Is insurance required to enter Bahamas?

I know this isn't the question, but for anyone who is debating about liability, I was able to attach my boat to my homeowners umbrella liability for almost nothing. My agent then wrote me a letter saying Kemper liability coverage was covering the boat in case a marina asks. Still, i would rather anchor next to someone careful with no insurance than a fool who has it.


Quote:
Originally Posted by Harborless View Post
GO FORTH YE VAGABONDS TO THE SEAS AND FAIR WINDS AND HEED NOT THE WORDS OF THOSE WHO WISH TO KEEP YOU CHAINED

Can someone tell me where this quote comes from? Google is no help. Thanks.
04-06-2013 12:53 PM
Capt.aaron
Re: Is insurance required to enter Bahamas?

I care so much for the other guy, that I would never and have never come close to ever hitting him. I care so much that I never move in tight quarters faster than I can fend off with a finger. I care so much that I use huge anchors and over sized chain, over kill chafe gear. I set them by hand and dive them morning and evening. I care so much that in over 20 years I've never come close to messing with some ones bizzness. I care so much for the other guy, that I made sure I was fully trained in the art of boat handling before I went out and started handling my boat. Insurance in a foreign country is a false senese of security. look at the trouble that CKtalons girl had last year when she got hit here in the states. They will fight it tooth and nail to find a way not to pay for your mistake. I've Never had insurance in the Bahamas on my boat, and don't recall ever being asked for it any of the marinas I pulled into. The irresponsable guy is the one zooming around the marina and anchorage, in gear when he's already moving forward at 3 time the speed he needs to be because he's a self taught sailor who can afford to be a ninkapoop because, what the @#!*% , he has insurance. he's the one who does'nt care enough about the other guy to move at bare steerage way. Insurance is minding what you are doing to insure that you don't do dammage to other peoples property.
04-06-2013 12:11 PM
tommays
Re: Is insurance required to enter Bahamas?

Quote:
Originally Posted by c. breeze View Post
This is surprising to me. What percentage of your tax dollars is allocated to removing derelict vessels?

I cant say the exact figure but the landfill cost is 5 cents a pound and when ever i do a home project that seems small its runs into hundreds of dollars

Then your paying municipal employees to chop it up as they don't take then in one piece

I will say after sandy it was billions but that the percent spent on boats was tiny
04-06-2013 11:33 AM
TheWollard
Re: Is insurance required to enter Bahamas?

Quite a thread... It looks like the question has been answered with only one reference to someone's personal diety.

Several of you mentioned carrying ONLY liability. I didn't know this was an option. I'm investigating insurance costs in Florida with no off-season haulout. This might be a decent option for me this year.

Even with the rancor in this thread, I learned something new. Nice.
04-04-2013 08:46 PM
CapnChuck
Re: Is insurance required to enter Bahamas?

We are currently in the Bahamas and have been to Bimini, the Berry's and Exumas. Do you need insurance? NO. Will you be ask for insurance? YES, but only in some marinas. Some want a copy and others don't care. The larger marinas in major towns and settlements will probably ask for it. Since we have it, I can't state what will happen if you say, "I don't have any." Chuck
04-04-2013 06:22 PM
c. breeze
Re: Is insurance required to enter Bahamas?

Quote:
Originally Posted by tommays View Post

And paying a good bit of my tax dollar to remove a never ending supply of uninsured boats PLEASE DON'T TELL ME IT DOES NOT HAPPEN because it pretty much happens everyday around here

This is surprising to me. What percentage of your tax dollars is allocated to removing derelict vessels?
04-04-2013 04:56 PM
sailmdp
Re: Is insurance required to enter Bahamas?

I know this issue has probably been resolved, but my 2 cents anyway. This is generic whether it is insurance,fishing, licensing, etc.

I suggest you call every office of the Bahamian govenment to recieve 10 different answers. Then call your local destination office, and you will recieve your eleventh different answer. Then out of frustration just go. Check in to your destination port as required. Then at local port, you will get the 12th, 13th, and 14th different answer to your simple question. Then be ready to pay the highest fee of each of 3 fees given to you by the port officers. Of course pay in US cash because this is the bribe that will get you cleared. Just hope they don't make you get a work permit because of the tool box they saw on your boat.

I haven't had much luck with that corrupt gov. But beautiful islands, and wonderfully friendly people ( until you run low on cash )
03-10-2013 09:17 PM
Silvio
Re: Is insurance required to enter Bahamas?

I stopped at a very upscale, very new, resort marina last year in Nassau. They asked for my insurance info when I made the reservation and made a copy of my policy when I arrived at my slip. That was the only time I was asked as a transient. Bahamas is the only foreign country I have visited by personal boat and was not asked at check in.
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