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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > NE Insurance Rates - Reasonable?
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Thread: NE Insurance Rates - Reasonable? Reply to Thread
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Topic Review (Newest First)
05-07-2013 11:56 AM
pyewackette
Re: NE Insurance Rates - Reasonable?

Quote:
Originally Posted by Harborless View Post
My boat was never on a freighter. I believe i asked about paying a freighter to take you through the canal as cargo but no a day that is seemingly pointless.

Here is my reason for not paying 170you per year, which is totally reasonable mind you. If i paid for the haul out and survey then policy right now i would have to put off leaving for yet another year. For two years i have been posting here periodically since mmy boat was a floaring piece o crap. Ive poured all my money into her, my classes, and maintaining my car and paying rent and other bills plus feeding myself. Im sick of it i saved enough money to finally go and because some insurance douche says my personal survey or marina invoices or documented picutre evidence is worthless. I spend what man? 1500 for the haulout survey and policy? When my annual income is 15kthe and the past two years over 10kthere plus the cost of the boat. So ill go without insurance. When i get another job, and im living somewhere im happy, guess what? Ill get insurance. Hell ill get a bigger better boat and a lot of other things to make living self reliant easier..
i could get an outboard for my inflateable for 500you right now too but im going to wait. 500 is more than a month in paradise.
Whether you boil it down to impetuousness or impatience is of no regard as it will add no coin to my cofffer thus no incentive to behave differently in regards to this matter at this time present. My oppinion remains that if someone would offer me a decent rate i would take it. As of yet thats has not occuered

Harborless, just to let you know, I understand were you are coming from and I agree. Funny how all these wannabe Hollywood Pirates will pretend they are carefree and follow the spirit of freedom that supposedly our way of life adheres too. As they joke about, sailing drunk with their,' why's the rum gone' and 'naked women on deck' fake attitude, (I like naked women and rum!), when someone comes along and actually tries to screw the big bad, East India Trading Company (big banks, insurance companies, big government), they quickly shot them down because they are afraid to step over the line into freedom themselves.

I say, fight for your freedom anyway you can. I'm doing the same in my own way. I will carry comprehensive insurance as long as I can, but as soon as the insurance/survey hoops get to be too much, then I go to liability only. And when that gets to be too much, I cut the ties and go free. Not that I don't care, but I am sick of my life being held up because someone else says I have to toe the same line as they do. Well, maybe I don't value the same line if money is the object. Morality, honesty, loyalty are not tied to an insurance policy, they are within an individual and define character. I could be docked next to the riches person in the marina who could afford a fancy lawyer who could screw me out of some damage the may do because they don't want their insurance rate to go up, or I could be docked next to someone who doesn't have an insurance policy and they're mast fall over and hit my boat and they do what ever it takes to help me get it back right again. Integrity is the insurance policy I look for in others.

The rule I go by, always keep your sea chest account with Neptune positive, things seem to work out better that way.

Good luck on your trip Harborless.
05-06-2013 11:21 AM
outbound
Re: NE Insurance Rates - Reasonable?

Believe that if you are insured the insurance company has "skin in the game". In our screwed up system that increases odds you will get the best lawyer and every trick or nuance will be made use of to decrease their ( and your ) exposure.
05-06-2013 10:29 AM
Harborless
Re: NE Insurance Rates - Reasonable?

I know right?
05-06-2013 10:20 AM
katsailor
Re: NE Insurance Rates - Reasonable?

Some people just don't get it.
05-02-2013 08:18 PM
Maine Sail
Re: NE Insurance Rates - Reasonable?

Quote:
Originally Posted by Harborless View Post
Doesnt that upset you? Your friends life has been forever indebted to someone else for insurance. This is lunacy people. Lunacy. And every timr ive had something happen with my car insurance they Aalways find a clause to get them out of paying. So basically im being robbed monthly and when i need help it doesnt come. The system is screwed not my thinking. You people are too indocrinated to attempt any further discussion in this matter. I feel sorry for you. Harborless out.
Ps ur right it only coers us waters. What a crock o crap rip off. No thanks.

No my friends brother in indebted because he had no insurance, not because he had insurance.. He is not paying the insurance company his payments go straight to the "victim" because he lost a court case on who was liable and who was at fault. He was only found 50% at fault but 50% of millions is still LOTS of money. If he had insurance he may not have been indebted or a lot less "indebted"..
05-02-2013 06:34 PM
Minnewaska
Re: NE Insurance Rates - Reasonable?

I hope you are more rational when it comes to passage making. Mother Nature doesn't owe you anything and is entirely less fair than the insurance system. Good luck with that.
05-02-2013 04:34 PM
Harborless
Re: NE Insurance Rates - Reasonable?

Doesnt that upset you? Your friends life has been forever indebted to someone else for insurance. This is lunacy people. Lunacy. And every timr ive had something happen with my car insurance they Aalways find a clause to get them out of paying. So basically im being robbed monthly and when i need help it doesnt come. The system is screwed not my thinking. You people are too indocrinated to attempt any further discussion in this matter. I feel sorry for you. Harborless out.
Ps ur right it only coers us waters. What a crock o crap rip off. No thanks.
05-02-2013 12:23 PM
TakeFive
Re: NE Insurance Rates - Reasonable?

Quote:
Originally Posted by Harborless View Post
...1500 for the haulout survey and policy?...
$1500 - $170 = $1330.

I cannot believe that haulout and insurance survey of a 27' boat would cost you $1330. My 25 footer was $300 for the pre-purchase survey ($12/foot is the going rate here), and insurance surveys are less thorough and less costly than pre-purchase surveys.

A "personal survey" of a boat is about as worthless as a "self appraisal" of one's own house. There is a reason insurance and mortgage companies hire trained, impartial professionals to do this stuff.

This is all academic anyway, because a $170 liability policy probably would not cover you outside US coastal waters, so heading out of US waters is probably the most responsible thing any uninsured boater can do.
05-02-2013 12:16 PM
Maine Sail
Re: NE Insurance Rates - Reasonable?

Quote:
Originally Posted by tommays View Post
The problem people seem to miss is liabilityis what really puts the insurance company on the hook


I been there and done that with Seafever as when i bought it anybody that put liabilityon it would have been out of there freaking mind
Very true...

In high school a friends older brother, 18 at the time, was involved in a car accident where a single mother lost both an arm and a leg and was in a coma for about three weeks..

His parents each assumed the other one had added the son to the insurance policy. They had not.

The woman's "uninsured motorist" insurance net very quickly evaporated. Her family and their lawyer then came after Rich and his family, what else it's America....

After five years of legal battle, and HUGE legal expenses, his family was found not liable, because he was 18 at the time. Unfortunately Rich was held liable for 50% of the damages. This even though anyone in their right mind, including the officers who responded, agrees it was 100% not his fault. Didn't matter to the courts... This award for damages included loss of income, medical bills etc. etc...

Rich is now in his late 40's, nearly 31 years later, and still paying, it's not a small garnish either..... Suffice it to say that having had no insurance costs Rich forever. There is no way he will ever be able to pay off the awarded damages unless he's making 500k per year, which he's not....

Insurance companies and lawyers don't care if you don't have insurance especially if you are able bodied and earning a paycheck any little bit helps and they can go after it.....
05-02-2013 12:02 PM
outbound
Re: NE Insurance Rates - Reasonable?

yup. but they got inside. it gets to Norfolk on the 21th. can't sleep nights waiting. thanks for asking.
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