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Go Back   SailNet Community > On Board > Boat Review and Purchase Forum > Insurance Costs???
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Thread: Insurance Costs??? Reply to Thread
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Topic Review (Newest First)
10-10-2008 06:22 AM
Rockter Third party risks, wreck removal, and £2,000,000 personal liability costs about £250 here, in Scotland.
I guess we are getting a good deal. I used to go fully comp, but gave up on it.
We don't have tropical hurricanes, and that helps.
I am not particularly trusting of insurance companies anyway. I don't trust any of them anymore. They are probably bankrupt and haven't told us yet.
10-09-2008 11:24 PM
CalebD You are going to have to shop around THOROUGHLY for insurance quotes to get the best deal on the coverages you want.
I took an intro yacht surveyor course and one exercise was to get a quote for the same boat (Pearson 30') from 4 different carriers: AllState was one IIRC, you should find 3 others and even look at using the insurer that covers your home and auto policies.
You will have to purchase additional insurance for any trips you take outside of your base coverage area; any trips to the Bahamas, Caribbean, Mexico or SA will be additional. I can't remember the name(s) of the international carriers to use either.
I would ask the same question over at this other cruisers forum if you do not get more specific recommendations: CSBB Forum - Message Index
10-09-2008 09:37 PM
sab30 I received a quote of approx $3000 a year for $180,000 coverage (we mentioned we would be living aboard) (also includes up to 10% for dinghy and motor) for a Morgan 45. This was on the assumption we were full time cruisers that were outside the "hurricane box" during hurricane season. Im not sure exactly what the "box" includes/excludes and that is onlt my first quote. It seemed a little high but further competitive quotes are needed.
10-09-2008 02:40 PM
jay1956 Wow I'm sorry, I must have fallen asleep. I have a 1974 Morgan O/I C/C #66. I payed $20,000.00 for her and I insured it for #30,000.00. The CSY costs about $145,000.00 built in 1989.
09-18-2008 06:42 PM
turfguy Yes would depend on area and value of boat for sure. Up north you dont have the Hurricane threat nearly as bad as in Fla. That is the main issue, especially the last few years.
Jay can I ask what years the two boats you mention are? cause yours being 36 would be in the range I am thinking.
Thanks
turf
09-18-2008 04:57 PM
jay1956 I live in Key West Fl. and pay $1450.00 a year for my Morgan 36 O/I, when I lived in Norfolk VA I payed $225.00 a year, the guy in the slip next to me in Key West has a 44ft CSY and pays $5600.00 a year. so it just depends.
09-18-2008 04:30 PM
sailingdog Again, it really depends on the type of boat, the type of sailing, where you're sailing, the size of the area being covered, the value of the boat, the type of the policy, the features of the policy. My current policy is about $1200 a year. I could have a policy that was only $600 a year, but it wouldn't give me anywhere near the same coverage as the policy I have...or the flexibility.

Quote:
Originally Posted by cnc33voodoo View Post
wow.i pay just a little over that every year.thats more than i pay for my car,house and boat each month.
09-18-2008 04:24 PM
cnc33voodoo
Quote:
Originally Posted by turfguy View Post
I filled out all the information and then it said "Please contact an agent" so guess its just there way to get you to call them.

The sense I am getting is that you have to figure about $ 200.00 a month for insurance on the type of boat I am looking at.

Does that sound reasonable?
Thanks
turf
wow.i pay just a little over that every year.thats more than i pay for my car,house and boat each month.
09-18-2008 03:43 PM
tommays There is not really a standard coverage like autos so it will vary wildly based on deductable , medical ,liabilty


How things are covered in a sinking for example can be a LOT different
09-18-2008 03:22 PM
turfguy
Site doesnt work

Quote:
Originally Posted by davidpm View Post
I just found this link https://secure.unitedmarine.net/Dire...tantQuote2.asp

Instant quote right on the web
I filled out all the information and then it said "Please contact an agent" so guess its just there way to get you to call them.

The sense I am getting is that you have to figure about $ 200.00 a month for insurance on the type of boat I am looking at.

Does that sound reasonable?
Thanks
turf
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