Originally Posted by sobriyah
Sydney Tim - we cancelled our Pantaneus policy for that precise reason - they changed our hurricane cover to 'no box no season' - you could now be caught by a named storm anywhere and at any time of year and still be subject to a 25% deductible. Would you really want to stay at sea in a storm just to maintain 100% cover, and what about being caught in the mangroves or a marina when a late season storm like Tomas hits? Pantaneus were inflexible on this and I wondered just what I was paying the premium for. A pity their underwriters now take this view on hurricane cover as otherwise they are first rate.
Just to be clear it's 100% coverage if hauled in the approved manner, 25% deductible in a marina, hurricane mooring
or anchored in mangroves.
For us it's swings and roundabouts on hurricane coverage, 25% deductible if we get caught by one versus 100% freedom to cruise
year round, world wide and the ability to pro actively get out of dodge if a hurricane is coming rather than being trapped by the box.
It's easy to see a nightmare scenario either way but Tomas is a reasonable example. If we were in Grenada
with Tomas arriving, we would be able to leave and sail further north to the BVIs say to increase the chances of it missing us - a more conventional policy would force us to stay in the hurricanes path due to the box. (Please no posts on the specifics of this plan, I am just using it as an illustration of the concept
, we weren't there and so not monitoring the situation hourly!)
Yes a December hurricane could clear us up in the Bahamas
but it will clear up anyone with a season and a box as well - best thing is to try not to get hit by one in the first place and the lack of restrictions makes that a 100% sailing decision not a financial one.
Like I say it's a personal choice, it suits us and we have found them flexible in our discussions re hurricane preparedness and we are happy with the current
wording that we have.
By the way there is sort of a box in that north of Hatteras the clause lapses.
Mark - I would still be interested in what wording Commandeur sent you, as I very much liked their policy and price
, it was just the strong room clause as I like to think we are more likely to get robbed than be in a hurricane!