Cruisers Forum
 


Reply
 
Thread Tools Search this Thread Rate Thread Display Modes
Old 04-04-2012, 18:15   #16
Registered User
 
DSDman's Avatar

Join Date: Nov 2010
Location: Chicopee, MA
Posts: 606
Images: 16
I just did this drill, came down between markel and boat us...boat us was 300 dollars cheaper for us, so they got the policy. very easy quote over the phone and used purchase survey. done. also got the towing since I will mostly be in the chesapeake for the next year. 77 dollars for 12 months of towing insurance is a deal!
DSDman is offline   Reply With Quote
Old 05-04-2012, 06:24   #17
Registered User

Join Date: Jul 2005
Location: Bellingham
Boat: Outbound 44
Posts: 9,319
Re: Insurance Recommendations – Let’s Try to be Positive …

Mariners General has good offshore policy competitive rates and a history of good payment.
__________________
Paul
Paul L is offline   Reply With Quote
Old 06-04-2012, 15:17   #18
Registered User

Join Date: Jun 2011
Location: South Pacific
Boat: Outremer 55 Light
Posts: 153
Re: Insurance Recommendations – Let’s Try to be Positive …

Insurance, what a subject! I was insured with Pantaneus...I found them good to deal with but expensive, and they wanted 3 crew for a passage. I'm now insured with Topsail (UK)...I've found them very easy to deal with, about 2/3 the premium of Pantaneus and require only 2 for passages. I haven't had a claim with either company so have no knowledge on how they pay claims.

Right now I'm looking for a company that with cover my boat on passage when I'm single-handing....any experience/suggestions are welcome?
Cruisin Cat is offline   Reply With Quote
Old 06-04-2012, 15:44   #19
Registered User
 
osirissail's Avatar

Join Date: Feb 2009
Location: A real life Zombie from FL
Boat: Gulfstar 53 - Osiris
Posts: 5,416
Images: 2
Re: Insurance Recommendations – Let’s Try to be Positive …

I don't think you will find any reputable company that will write passage insurance for a single-hander. However, most will cover the boat when you are "in harbor" and only have one person living on board.

That is one of the reasons I went with "liability only" as coverage for single-handed passages was non-existent, so why pay for it.

I would think theoretically that it would be much more common to "lose" the boat during a passage if only one person was on board, whereas with two people there is somebody to "watch the ship" while the other deals with the emergency.
osirissail is offline   Reply With Quote
Old 09-04-2012, 22:00   #20
Registered User

Join Date: Apr 2012
Posts: 5
Re: Insurance Recommendations – Let’s Try to be Positive …

Quote:
Originally Posted by Otia View Post
I’ve search this forum in hope of sourcing a good, reliable insurer. Mostly I found rants about insurance. I’m starting this thread to ask you all fine cruisers for your recommendations. I’m seeking an insurer that will be there when/if I ever need and that provides no-nonsense coverage. Let’s face it, we all hate to pay for insurance. I think I prefer the dentist… But let’s try to be positive about this necessary evil.

One corollary question I have is how much liability is enough. 1 million seems short to me, considering the multi-million dollar yachts that moor next to me from time to time.

I cruise the Caribbean’s, but I’m Canadian. This year I will leave my s/v in the Caribbean’s. I guess I will have to limit my insurance to the area of interest and change it every year as I cannot find a no-nonsense global coverage. Some insurers limit me in time, they prohibit sailing south of Hatteras from June 1st to November 1st – which I find so stupid, insurers obviously don’t sail. It is extremely hazardous to sail in November in the north east as I again experienced in a really bad storm this past October 30th, between NYC and Chesapeake. Any insurer listening?! Then read about this from the expert, Don Street, a very interesting post on Caribbean Compass this month: READERS' FORUM.

I’ve been reading my current insurance policy carefully, OMG! I admit overlooking it before, just reading the headlines and coverage data. There are so many “ifs” that I might as well not be insured – except for liability. Furthermore, I dealt through a broker whom insured me with a company based in Ukraine… I don’t want to have preconceived opinions, but it does not inspire me confidence. There must be a good US ar Canadian insurer?!

Actually, I’ll go for any no-nonsense policy from a reputable insurer, irrespective of its country of origin. Hence this post, so please let me hear what you have to say.
had the same problem...best insurance for Canadians - not americans unfortunatly- is through the sailing association SAIL THE WORLD or stw.fr...tour du monde TDM will allow you to be anywhere if you live on your boat, no hurricane zone limitation...for a lot less than any north american cie!the association has about 500 members..so better rates and offers health plans ex allianz emergency world wide care for about 500/year, covers from first dollar even medications like antibiotics.
since you re from montreal...you must be able to read french?
bon vent!
sissi is offline   Reply With Quote
Old 09-04-2012, 22:06   #21
Registered User

Join Date: Apr 2012
Posts: 5
Re: Insurance Recommendations – let’s try to be positive…

Quote:
Originally Posted by avb3 View Post
If your boat is in North America or the Caribbean, they won't touch anything under a $1 million in value as per personal communication to them 6 weeks ago.
actually they gave me a quote for a 720k boat today...9k for my boat in usa or carribean
there is SAIL THE WORLD on stw.fr offering round the world boat insurance, with no zone restrictions in hurricane season but only for europeans or canadians, for less!
sissi is offline   Reply With Quote
Old 10-04-2012, 01:36   #22
Nearly an old salt
 
goboatingnow's Avatar

Join Date: Jun 2009
Location: Lefkas Marina ,Greece
Boat: Bavaria 36
Posts: 22,801
Images: 3
Quote:
Originally Posted by sissi

actually they gave me a quote for a 720k boat today...9k for my boat in usa or carribean
there is SAIL THE WORLD on stw.fr offering round the world boat insurance, with no zone restrictions in hurricane season but only for europeans or canadians, for less!
We're obviously better sailors that's all. ......!!

Dave
__________________
Interested in smart boat technology, networking and all things tech
goboatingnow is offline   Reply With Quote
Old 10-04-2012, 18:02   #23
Registered User

Join Date: Apr 2012
Posts: 5
Re: Insurance Recommendations – Let’s Try to be Positive …

Quote:
Originally Posted by sissi View Post
had the same problem...best insurance for Canadians - not americans unfortunatly- is through the sailing association SAIL THE WORLD or stw.fr...tour du monde TDM will allow you to be anywhere if you live on your boat, no hurricane zone limitation...for a lot less than any north american cie!the association has about 500 members..so better rates and offers health plans ex allianz emergency world wide care for about 500/year, covers from first dollar even medications like antibiotics.
since you re from montreal...you must be able to read french?
bon vent!
Sorry ...the association stw has 5000 members, not 500!
sissi is offline   Reply With Quote
Old 11-04-2012, 16:55   #24
Registered User

Join Date: Jul 2005
Location: Bellingham
Boat: Outbound 44
Posts: 9,319
Re: Insurance Recommendations – Let’s Try to be Positive …

Quote:
Originally Posted by goboatingnow View Post
We're obviously better sailors that's all. ......!!

Dave
Nah, we just have better lawyers,
__________________
Paul
Paul L is offline   Reply With Quote
Old 12-04-2012, 15:00   #25
One of Those
 
Canibul's Avatar

Join Date: Sep 2006
Location: Colorado
Boat: Catalac 12M (sold)
Posts: 3,218
Re: Insurance Recommendations – Let’s Try to be Positive …

Quote:
Originally Posted by Paul L View Post
Nah, we just have better lawyers,
That's not exactly an oxymoron, but there must be another word for it
__________________
Expat life in the Devil's Triangle:
https://2gringos.blogspot.com/
Canibul is offline   Reply With Quote
Old 12-04-2012, 16:00   #26
Registered User

Join Date: Nov 2011
Location: Montegut LA.
Boat: Now we need to get her to Louisiana !! she's ours
Posts: 3,421
Re: Insurance Recommendations – Let’s Try to be Positive …

Ive never carried hull ins. just Liabilty, never had a claim against me as yet so I think Ive saved about a couple hundred thousand by now over 50 years, always had Ins for deliverys, but never on my own boats! Just to expensive for us to cruise where and when we want anytime we want ! so just the Libilty for us !Of course we have never had a lien holder to satisfy ! so have been lucky!
__________________
Bob and Connie
bobconnie is offline   Reply With Quote
Old 29-04-2012, 01:11   #27
Registered User
 
NorthPacific's Avatar

Join Date: Feb 2010
Location: Guaymas Sonora and Leros Dodecanese Greece
Boat: Dufour35 1982 and Moody 425
Posts: 869
Images: 5
Re: Insurance Recommendations – let’s try to be positive…

Quote:
Originally Posted by SteveT View Post
Pantaenius of Germany - Best going and sensible.
Will not insure American and canadian boats. We sue too much apparently!
NorthPacific is offline   Reply With Quote
Old 29-04-2012, 01:25   #28
Registered User
 
NorthPacific's Avatar

Join Date: Feb 2010
Location: Guaymas Sonora and Leros Dodecanese Greece
Boat: Dufour35 1982 and Moody 425
Posts: 869
Images: 5
Re: Insurance Recommendations – Let’s Try to be Positive …

Quote:
Originally Posted by sissi View Post
Sorry ...the association stw has 5000 members, not 500!
FOund the site, can anglo Canadians Join :-) Seems almost too good to be true! $500 and health insurance as well! Got to get someone to ead the page now LOL

Thanks
Steve
NorthPacific is offline   Reply With Quote
Old 29-04-2012, 04:55   #29
Registered User

Join Date: Apr 2012
Posts: 5
Re: Insurance Recommendations – Let’s Try to be Positive …

Quote:
Originally Posted by NorthPacific View Post
FOund the site, can anglo Canadians Join :-) Seems almost too good to be true! $500 and health insurance as well! Got to get someone to ead the page now LOL

Thanks
Steve
Of course! they accept all canadians...and there are quite a few already as members.
If you call ANP insurance (their broker) in marseille...they speak english .
They have the best round the world insurance...and have special lower rate for the east carribeanthan TDM tour du monde=round the world.
ex 375k usd, costs 1200 euros per year if you sail in europe, eastern car or "antilles". about double, round the world about 3x so 3600 euro per year, no restrictions,you can be anywhere during hurricanes if you live on the boat.

WE had to use the emergency health care plan by alliance world wide care and yes it covers from the 1st dollar up to 250 000 per year.
It is a must for any boater out of canada.You have to be a member of the association to get this deal, which you can do easily on line or with ANP, about 50 euro/year...well worth it...lots of info, chats, help from association...

Remember that health care in France is a right , not a privilege!

I have seen a similar plan, allianz world wide care, through pantaneus, that covers not only emergencies...and would cover you during 3 months if you have to get back to canada but at 1570 euros per year.

the site is in french but your insurance cover letter will be in english if you want.
sissi is offline   Reply With Quote
Old 29-04-2012, 04:57   #30
Registered User

Join Date: Apr 2012
Posts: 5
Re: Insurance Recommendations – let’s try to be positive…

Quote:
Originally Posted by NorthPacific View Post
Will not insure American and canadian boats. We sue too much apparently!
pantaneus america will insure canadians or americans (I got a quote) but I do not know the differences in their contracts...
sissi is offline   Reply With Quote
Reply

Tags
insurance

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance Nightmare PyotrBee Boat Ownership & Making a Living 12 15-01-2012 08:16
Miles Traveled ADMPRTR Our Community 58 24-10-2011 17:43
Insurance for One Year TransPacific Cruise - Any Recommendations ? dennisail Dollars & Cents 21 30-09-2011 16:39
Tartan or Sabre ? Here's a Couple of Examples Jbingham Monohull Sailboats 29 31-08-2011 12:50
For Sale or Trade: Columbia 8.3 Meter (27.3') Masthead Sloop offline Classifieds Archive 4 11-08-2011 06:04

Advertise Here


All times are GMT -7. The time now is 08:05.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.