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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > Need Input on Insurance Companies
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Topic Review (Newest First)
01-15-2013 12:13 PM
outbound
Re: Need Input on Insurance Companies

one thing to think about is what you may want to do in the future. Believe Boat US will cover US coastal waters and Bahamas without trouble but difficult farther south or across pond. Likely easier to up grade policy in future to include additional cruising grounds if you are working with the same company and have no claims. May wish to ask your lender and broker who they suggest as insurer. Personally got good info that way.
01-14-2013 04:00 PM
dsullyec1
Re: Need Input on Insurance Companies

Quote:
Originally Posted by kellysails View Post
I have had a great experience with the CHUBB group. Comprehensive plan and good rates. I really shopped it hard and had some good referrals.
Did you have experience? Is your boat old like ours? Ours is an 83' S2-11C.
01-14-2013 03:56 PM
dsullyec1
Re: Need Input on Insurance Companies

That's amazing..$50?? Things have definitely changed. I admit to not having a scrap of experience, however Paul has, in the way past, been boating out on Chesapeake Bay quite a bit, and he took the 101, 103/104 sailing classes in Kemah, TX several years ago and was sailing during that time. I will be taking the classes probably in April/May so I will be much more sea worthy/knowledgeable then. It's a bit frustrating because it's a catch 22 situation...can't get insurance due to lack of experience; can't get experience due to lack of insurance. ARG!
01-14-2013 03:47 PM
dsullyec1
Re: Need Input on Insurance Companies

That's a real plus that Heather understands "aboard living". Paul had experience on Chesapeake Bay when he was younger, and a little in the Galveston Bay, but not a ton. I have no experience at all. We'll see how this new place goes.
01-14-2013 02:33 PM
Coquina
Re: Need Input on Insurance Companies

My boat is 10 years older
OTOH I have been sailing since 1970 or so, so no experience worries there. Commonly when buying an airplane that the insurer feels is beyond the ability of the owner, the insurance company will require a flight instructor be aboard for the first X hours flying the new plane. A true marine insurance company should be willing to work with you on a training plan. It could involve hiring a captain for X hours of lessons or taking a course at a local sailing school or ????

EDIT: How insurance worked way back in the day - We called and asked for a rider for Bermuda. When the company started wanting this and that done, we asked if they could hear the radio static on the call. They could. We told them we were already on the way and would be out of range very soon. We got coverage for something like $50

Quote:
Originally Posted by dsullyec1 View Post
We're having problems getting insured because we are new at it, and because the boat we're trying to buy is a 1983 model. We've been turned down several times already, and if we can't get insured, we won't be able to get the loan to pay for the boat. We don't want to lie about our experience, but is there any other way for us to be accepted, other than lying? Any suggestions?
01-14-2013 01:58 PM
wingNwing
Re: Need Input on Insurance Companies

If you use Heather tell her we sent you. Admittedly, we had some experience when we first started, but we also had an older boat. Heather "gets" liveaboards. Big plus.
01-14-2013 12:52 PM
dsullyec1
Re: Need Input on Insurance Companies

We'll check it out. Our broker in Kemah wasn't with a particular company, either, and the agency he found that orginally said they'd take us, backed out because of 1. our lack of experience, and 2. the age of the boat. The broker gave us the name of another person to call at a different brokerage...we'll see how that goes. If it doesn't go, we'll try the link you gave us and ask for Heather. Thanks!!! We'll let you know.
01-14-2013 12:44 PM
wingNwing
Re: Need Input on Insurance Companies

dsullyec1 - we've had some amazing service from these guys: IMIS Home Page ~ International Marine Insurance Services Because they're brokers, not representatives of one particular company, they have access to many different policies and have a better chance of being able to match you up with one. Our agent there is "Heather" and she's excellent.
01-14-2013 12:40 PM
dsullyec1
Re: Need Input on Insurance Companies

We're having problems getting insured because we are new at it, and because the boat we're trying to buy is a 1983 model. We've been turned down several times already, and if we can't get insured, we won't be able to get the loan to pay for the boat. We don't want to lie about our experience, but is there any other way for us to be accepted, other than lying? Any suggestions?
01-11-2013 04:57 PM
kellysails
Re: Need Input on Insurance Companies

I have had a great experience with the CHUBB group. Comprehensive plan and good rates. I really shopped it hard and had some good referrals.
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