Joined
·
1,608 Posts
ok. this is about my 'new' cal27. the marina knows the boat so they aren't asking me to get a survey. however, liability insurance is required. they are being really good about working with me but i don't want to push them too far.
the problem, so far, has been the age of the boat. all of the insurance companies, so far, have required a survey. i was going to go with state farm because the price is great and, until today, they didn't say anything about a survey. however, when i went to get the policy started, it came up.
so, here's my problem. i never have carried insurance on a boat, before. i'd only have it now, because i have to. i haven't started calling around but i was told it would probably cost be between $10 and $20, a foot, to get it surveyed. that exceeds the cost of the boat just to have some guy look at it. that's not even a guarantee he wouldn't miss something. i need to buy a motor, yet. and running rigging. and bottom paint ( etc ). and spending $300 to have a guy tell me what i already know....
if i was going to get it surveyed, i'd want to wait til i got done what i know needs done, so he could tell me if i missed anything. but i don't think i will be able to wait, til then, for insurance.
anyhow, so i am looking to see if anyone knows an insurer that isn't going to ask for a survey or a surveyor that isn't going to ask for my right testicle, in payment.
the problem, so far, has been the age of the boat. all of the insurance companies, so far, have required a survey. i was going to go with state farm because the price is great and, until today, they didn't say anything about a survey. however, when i went to get the policy started, it came up.
so, here's my problem. i never have carried insurance on a boat, before. i'd only have it now, because i have to. i haven't started calling around but i was told it would probably cost be between $10 and $20, a foot, to get it surveyed. that exceeds the cost of the boat just to have some guy look at it. that's not even a guarantee he wouldn't miss something. i need to buy a motor, yet. and running rigging. and bottom paint ( etc ). and spending $300 to have a guy tell me what i already know....
if i was going to get it surveyed, i'd want to wait til i got done what i know needs done, so he could tell me if i missed anything. but i don't think i will be able to wait, til then, for insurance.
anyhow, so i am looking to see if anyone knows an insurer that isn't going to ask for a survey or a surveyor that isn't going to ask for my right testicle, in payment.