Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 06-01-2014, 17:29   #1
Registered User
 
zboss's Avatar

Join Date: Sep 2011
Location: On a boat
Boat: Cabo Rico 38
Posts: 3,429
Car Insurance for Cruisers

Hi,

We don't have cars anymore and you can't seem to get car insurance without being a homeowner, a landlord, or own a car.

I'm a little bit freaked out by not having car insurance when we use courtesy cars and the like. What do you guys do?

- z
__________________

__________________
zboss is offline   Reply With Quote
Old 06-01-2014, 17:37   #2
Senior Cruiser

Cruisers Forum Supporter

Join Date: Jul 2005
Boat: Outbound 44
Posts: 4,592
Re: Car Insurance for Cruisers

We have a non-owners policy through USAA.
__________________

__________________
Paul L
http://svjeorgia.blogspot.com
Paul L is online now   Reply With Quote
Old 06-01-2014, 17:39   #3
Registered User
 
Nicholson58's Avatar

Join Date: Jan 2011
Location: Live aboard
Boat: Camper & Nicholson58 Ketch - ROXY Traverse City, Michigan No.668283
Posts: 3,466
Images: 83
Re: Car Insurance for Cruisers

Quote:
Originally Posted by zboss View Post
Hi,

We don't have cars anymore and you can't seem to get car insurance without being a homeowner, a landlord, or own a car.

I'm a little bit freaked out by not having car insurance when we use courtesy cars and the like. What do you guys do?

- z
Courtesy carz? I would be surprised if a supplier of gratis cars was uninsured. Do you have a legal license? Do you have a mail forward address? Problem solved. - Otherwise get a bicycle
__________________
Nicholson58 is offline   Reply With Quote
Old 06-01-2014, 17:48   #4
Senior Cruiser
 
rebel heart's Avatar

Cruisers Forum Supporter

Join Date: Oct 2005
Posts: 6,190
Images: 3
Re: Car Insurance for Cruisers

In San Diego I use car2go which comes with its own insurance. Otherwise I'm using a rental which has its own. If I borrow someone's car their insurance will cover someone the owner lets borrow the vehicle.

If you're borrowing your buddy's car with insurance that doesn't extend to you I suppose you'd be uncovered at that point.
__________________
rebel heart is offline   Reply With Quote
Old 07-01-2014, 12:29   #5
Registered User
 
zboss's Avatar

Join Date: Sep 2011
Location: On a boat
Boat: Cabo Rico 38
Posts: 3,429
Re: Car Insurance for Cruisers

I'm more concerned about personal liability in connection with the car. For the most part insurance through someone else's insurance or through visa only covers the car not the occupants or liability if you were somehow at fault.

I'm mostly concerned about here in the US rather than non-US... Mostly because you can guarantee a lawsuit or insurance claim if you are involved in anything more than a scratch.
__________________
zboss is offline   Reply With Quote
Old 07-01-2014, 16:24   #6
Nearly an old salt
 
goboatingnow's Avatar

Cruisers Forum Supporter

Join Date: Jun 2009
Posts: 13,649
Images: 3
Re: Car Insurance for Cruisers

Quote:
Originally Posted by zboss View Post
I'm more concerned about personal liability in connection with the car. For the most part insurance through someone else's insurance or through visa only covers the car not the occupants or liability if you were somehow at fault.

I'm mostly concerned about here in the US rather than non-US... Mostly because you can guarantee a lawsuit or insurance claim if you are involved in anything more than a scratch.
Believe you me , it's the same most everywhere too

Dave
__________________
Check out my new blog on smart boat technology, networking and gadgets for the connected sailor! - http://smartboats.tumblr.com
goboatingnow is offline   Reply With Quote
Old 07-01-2014, 17:09   #7
Registered User
 
jstevens's Avatar

Join Date: May 2006
Location: On board Sarah, currently lying in Jacksonville, FL
Boat: Pearson, 424, 42', Sarah
Posts: 582
Images: 4
Re: Car Insurance for Cruisers

I also used USAA non-owners insurance during the period I did not own a car. It was pretty inexpensive ($10/mo IIRC). I took the insurance primarily to protect friends and family who let me drive their cars during that period, and also provide personal liability insurance when driving other vehicles.
Also I don't believe that insurance would have done me any good in Europe. In the few times I rented a car in Portugal or Spain I took the full insurance offered by the rental company.
In order to get insurance from USAA you used to have to be an active duty member of the US Armed Forces or honorable discharged/retired from service. I think the member ship rules may not be so restrictive anymore, so if you need the insurance, contact USAA and find out if you qualify. There have been several threads on this subject over the past few years, and the only company cited by posters offering this type of coverage that I remember was USAA.

John
__________________
jstevens is offline   Reply With Quote
Old 07-01-2014, 17:40   #8
Senior Cruiser
 
Cheechako's Avatar

Cruisers Forum Supporter

Join Date: Aug 2006
Location: Skagit City, WA
Posts: 19,371
Re: Car Insurance for Cruisers

a realted thought: When you go cruising, put your insurance in suspension... costs maybe $20 a year. So.... you're not covered , but on the books as an insured person. That way when you return, you will not be dumped into the category of "formerly uninsured" along with the 16 year olds, DUI's etc... and high premiums!
__________________
"I spent most of my money on Booze, Broads and Boats. The rest I wasted" - Elmore Leonard











Cheechako is offline   Reply With Quote
Old 07-01-2014, 19:17   #9
Registered User
 
zboss's Avatar

Join Date: Sep 2011
Location: On a boat
Boat: Cabo Rico 38
Posts: 3,429
Re: Car Insurance for Cruisers

Quote:
Originally Posted by jstevens View Post
I also used USAA non-owners insurance during the period I did not own a car. It was pretty inexpensive ($10/mo IIRC). I took the insurance primarily to protect friends and family who let me drive their cars during that period, and also provide personal liability insurance when driving other vehicles.
Also I don't believe that insurance would have done me any good in Europe. In the few times I rented a car in Portugal or Spain I took the full insurance offered by the rental company.
In order to get insurance from USAA you used to have to be an active duty member of the US Armed Forces or honorable discharged/retired from service. I think the member ship rules may not be so restrictive anymore, so if you need the insurance, contact USAA and find out if you qualify. There have been several threads on this subject over the past few years, and the only company cited by posters offering this type of coverage that I remember was USAA.

John
We are already USAA members... didn't know they offered this, so we are going to give them a call tomorrow! Thanks!
__________________

__________________
zboss is offline   Reply With Quote
Reply

Tags
cruise, cruiser, insurance

Thread Tools
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




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 02:32.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.