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Old 18-09-2010, 11:06   #1
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Join Date: Jul 2007
Location: Puteri Harbour Marina, Johor Bahru, Malaysia
Boat: Shin Fa 458 Custom Cutter but looks like a Liberty 458
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Time to Renew Insurance

It's getting time for us to renew our insurance and wonder wether we should as it puts a strain on our cruising kitty. Every time we pull into a marina, they always ask for proof of insurance. We whip out copies of ours and are in. I know that lots of cruisers take off with no insurance or get some country by country as they cruise. We got ours for Mexico just before we left the USA to add to what we already had for the USA.
What do you do when you first pull into a foreign country and head into a marina and haven't yet gotten insurance? Anchor out and go in in a dingy and get some and then pull you boat into the marina?
We are seriously considering getting rid of ours but don't want to be caught in a catch 22 when we pull into a marina with out any. We can't afford to have it yet can't afford to not have it.
Is there any truth to what I have heard that you have to show that you have medical insurance when you sail into French Polynesia? If so, where does one get such insurance and do you get it before you set out from Mexico or the USA?
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Old 18-09-2010, 19:50   #2
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Do a search for Boat Insurance on this forum and you will find most of the answers to your questions. But, basically -
1. If your boat still has an outstanding bank loan, you will have to carry insurance. If you go offshore - leave USA waters, you will need to get "offshore" insurance as most "in home country" home/auto insurers who also cover your boat will not cover it outside of your territorial waters.
2. If you do not have an outstanding loan on the boat but have a large amount invested in the boat and want to get some of that money back if the boat is lost/damaged then you will have insurance either "domestic" or "offshore" as appropriate to your cruising destinations.
3. If you don't mind losing your investment in the boat should you have a lose/damage the boat then you can get by with "liability-only" boat insurance which covers the requirements of marinas and boatyards.
4. If you don't ever intend to stay in a modern marina or upscale boatyard that is outside the home country's waters, then you can go "naked" or "self-insured" which means - no insurance.
5. Very few countries require you to prove insurance to enter their country - Mexico is one of them and I suspect their requirement has more to do with bringing in money for their country's insurance companies than worrying about your boat.
6. Once you have an "offshore cruising" insurance policy (full or liability-only) on the boat you can satisfy most all the countries of the world without having "local" coverage.
7. Consult for specifics about any particular country you are intending to visit.
8. The French Visa insurance requirement has to do with formal Visa's rather than "instant tourist" visas. And the French are primarily concerned with your being covered to send yourself back to your home country with what is called "repatriation" insurance. You can get "International Medical" insurance including repatriation from a number of sources. Search for that subject on CF and you will find all your questions answered.
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