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Old 14-01-2011, 17:14   #16
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Mine is with BoatUS. I don't understand why insurance companies do this. Where I am, the live aboard boats are well maintained. Last winter, the 3 boats that sank were all neglected boats with land based owners. Live aboard owners can't neglect their boats since they have to live on 'em.
Banks also charge higher interest rates for live aboard owners, don't understand that either.
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Old 14-01-2011, 17:17   #17
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great point, in fact my homeowners insurance wont cover water damage from plumbing leaks if the house is un occupied... as there would have been someone there to shut the water off faster ... i guess?
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Old 14-01-2011, 17:49   #18
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How was your hull value arrived at?
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Old 14-01-2011, 18:01   #19
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insurance and banks only care about the $$$ its just one giant scam you have to pay in to
or your in trouble.
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Old 14-01-2011, 18:35   #20
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stay on topic.....

hmmmm
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Old 14-01-2011, 18:54   #21
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hmmmm
shhh this is page 2 got plenty of ancers on page 1
now its time to have fun.
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Old 14-01-2011, 19:05   #22
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ok, cool, lets trash the place!!!! hehehehe
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Old 14-01-2011, 20:11   #23
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ok, cool, lets trash the place!!!! hehehehe
ROFL Love it, absolutely love this place.

Rob
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Old 14-01-2011, 21:08   #24
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"Banks also charge higher interest rates for live aboard owners, don't understand that either."
That's easy. Bank loan officers and banking policy all go by actuarial tables and statistics. Their numbers say that if you don't have substantial ties to a community, you're a higher risk. If all you have to do is slip the lines and vamoose, you're a higher risk again.
No house? No rented brick and mortar? So, you're not part of a fixed community and you're considered to be a free soul who's probably a higher risk. And you get charged more.

It may or may not be true statistically, it may or may not apply to you. But according to their numbers, you're a higher risk so they charge you more.

A local credit union or other source that pays more attention to who you are as an individual may give you a better rate. The Bedford Falls Mutual Building & Loan comes to mind.
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Old 28-01-2011, 20:26   #25
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What about health insurance?

We got our liveaboard insurance with Pantaneus through IMIS.
We found IMIS very professional and while in Greece I had some problem with the local capitanerie, called Pantaneus in the UK and within 10min there was a fax fixing our little problem.

Any suggestions for liveaboard health insurance?
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Old 30-01-2011, 04:54   #26
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Quote:
Any suggestions for liveaboard health insurance?
We also sell life insurance for any cruiser who will be outside the USA for 6 months or more per year. The quotes are all done on line- just go to IMIS Online Services and scroll down to the International Helath Plans.
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Old 30-01-2011, 05:02   #27
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u broker?

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We also sell life insurance for any cruiser who will be outside the USA for 6 months or more per year. The quotes are all done on line- just go to IMIS Online Services and scroll down to the International Helath Plans.
-interested in "midland" 20 yr level premium guaranteed past 100 and weather you deal this product or can tell me wno does
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Old 02-02-2011, 08:47   #28
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I learned the Hard way that Progressive doesnt insure liveaboards so now I use Boat U.S. They did require a new survey when I established the policy though.
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Old 20-05-2013, 01:55   #29
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Re: Liveaboard Insurance

Dear, I just registered as I saw your post, we have a lot of liveaboards as customers, especially in Asia.

DNAYachtinsurance.asia

Please let me know if you have any questions.

Kind regards,

Michel


Quote:
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ok so i have been calling around the big named insurance providers
and it looks like none of them will provide insurance to a liveaboard
so question is,

say its a pleasure craft thing and avoid that problem


or is there some company out there that everyone is using?
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Old 10-08-2015, 12:48   #30
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Re: Liveaboard Insurance

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We recently switched from Progressive to IMIS. While reviewing my policy I noticed my Progressive policy excluded liveaboards! (it pays to read the thing, I guess!) In spite of past CW on the web when I contacted them they said they no longer cover liveaboards.

I couldn't be happier, though. I now have much better coverage with about 2/3 the cost!! My policy has most of the benefits of house insurance. They are well worth a look/quote.

Frank
we cant find imis
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