42: No 6-pack, no insurance. Huh, really?

[chriadel]

We are interested in purchasing a 2018 Lagoon 42 and were told that we could get insurance however, if we don't have our 6-pack we would have to hire a captain(who has a OUPV) to move the boat for us (every time, even if we wanted to go out into the harbor) or its not covered.

Is this correct? Is this something new?

Also, who are some of the insurance companies that can help us out and what are you charged?

Proper insurance coverage is a must(for us anyway)

[CaverCop]

It could be a specific insurance company that requires a 6 pack (OUPV) license. There is no legal requirement for a recreational boater to have a 6 pack license outside of for profit activities.

[HighTemp]

If you have no sailing experience, and more specifically no catamaran sailing experience, or training, many insurance companies will require a licensed Captain to be on board when underway, at least for some period of time until you gain the amount of experience they feel you need to operate the vessel safely. The part about requiring you to have a 6 pack license is a new one. Unless you intend to take paying passengers out for sails, I don't think that it would be required. Hell, I don't have one and have never been denied insurance. Keep looking and find an insurance company that is a bit more reasonable.

[Steve_C]

Originally Posted by chriadel

We are interested in purchasing a 2018 Lagoon 42 and were told that we could get insurance however, if we don't have our 6-pack we would have to hire a captain(who has a OUPV) to move the boat for us (every time, even if we wanted to go out into the harbor) or its not covered.

Is this correct? Is this something new?

Also, who are some of the insurance companies that can help us out and what are you charged?

Proper insurance coverage is a must(for us anyway)

Where are you located?

[RickG]

Time to get more insurance quotes. We had no issues with BoatUS, Markel, and Concept Special Risks.

Cheers, RickG

[RSH]

Our insurance required a captain until we'd completed our ASA 101,103,104 and 114 classes, and then he signed off on us being competent to the insurance agency and that was that.

We have pretty restrictive areas for our insurance, though, and that was by choice-we're not going that far yet since we're still skill building. We're on the east coast of the US.

[thinwater]

So, what is your sailing resume'?


You must have presented some basis of training or experience? First boat?

[a64pilot]

First I have ever heard of that, or of ASA classes being required.
They really had you complete ASA classes, or did they want a sign off?
When I bought my Maule my Insurence company wanted me to have 10 hours of PIC time in type, which is normal, especially for an airplane that has a very high claims / loss rate, which a Maule does.

Perhaps Lagoons have a high claims / loss rate?

I’ve always been surprised at how lax boating Insurence is, for aircraft the more ratings you have, the lower the Insurence cost, cause statistically your less likely to be involved in an accident.
Perhaps boating Insurence is catching up?

[chriadel]

East coast USA

[chriadel]

Originally Posted by Steve_C

Where are you located?

East coast USA

[thinwater]

Originally Posted by chriadel

East coast USA

First boat?

[chriadel]

Thank you for the feedback.

We were told this via a broker we're considering working with. Thought i'd chk here to see what people thought.

Thanks again.

[Steve_C]

HANHAM INSURANCE AGENCY

https://www.hanhaminsurance.com/?fbc...6PeaoR6uv-hVJ4

[captmikem]

spend a day filling out the forms and get a 6 pack. They feel of you and if you are warm and can copy the rules of the road they give you one.

[WindLove]

Originally Posted by captmikem

spend a day filling out the forms and get a 6 pack. They feel of you and if you are warm and can copy the rules of the road they give you one.

Getting an OUPV (6 pack) is not that easy. In fact, it's very hard - you either study a bunch or pay to have someone teach to the test. You don't just fill out forms. Any of you that think it's easy go take an online practice test.