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Old 03-01-2011, 19:18   #1
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Liveaboard Insurance

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 03-01-2011, 19:25   #2
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Have you tried Pantaneuis... have you tried using a land address... your parents/sister or something
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Old 03-01-2011, 20:32   #3
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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.

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Old 03-01-2011, 20:37   #4
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thank you Geo il look in to it.
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Old 03-01-2011, 20:57   #5
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[QUOTE=boatman61;590047]...... have you tried using a land address..........QUOTE]
Use the address you have,- as it turns out there are no addresses that are not "land" addresses. Maybe make an attempt with Boat US insurance. They don't seem to have any "liveaboard" recognition.
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Old 03-01-2011, 21:05   #6
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[QUOTE=CaptForce;590100]
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...... have you tried using a land address..........QUOTE]
Use the address you have,- as it turns out there are no addresses that are not "land" addresses. Maybe make an attempt with Boat US insurance. They don't seem to have any "liveaboard" recognition.
Sorry... maybe I should have said 'fixed address'...
I'm all over the place... sometimes Portugal, sometimes Carib or US or Turkey but my address is a UK one for important stuff.... it keeps the 'Proper' folks happy to think your a normal stable sort... whatever that is.
An address like Phil, 24/B Pontoon, The Marina, Fig da Foz Portugal... is kinda temporary sounding...
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Old 04-01-2011, 12:02   #7
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Quote:
OK so i have been calling around the big named insurance providers
and it looks like none of them will provide insurance to a live-aboard
so question is,
As you can see from the responses from other members, you can secure insurance for living aboard. You certainly do need to disclose that to your agent, don't even think about not mentioning it, since you would not want the question to come up in a claim situation. So no, you can't be a live-aboard with Progressive, but there are lots of other companies that we work with that will accept live-aboards.
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Old 04-01-2011, 14:18   #8
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thanks for stating the obvious.



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As you can see from the responses from other members, you can secure insurance for living aboard. You certainly do need to disclose that to your agent, don't even think about not mentioning it, since you would not want the question to come up in a claim situation. So no, you can't be a live-aboard with Progressive, but there are lots of other companies that we work with that will accept live-aboards.
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Old 04-01-2011, 14:26   #9
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Insurance is a scam anyway.
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Old 04-01-2011, 14:30   #10
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stay on topic.....
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Old 04-01-2011, 14:57   #11
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FWIW, if you "don't mention" something material in your insurance application (like, living aboard) your insurer may stay happily ignorant. But when and if a claim arises, they may also say "Insurance fraud, sorry, we're not paying you a cent."

Worth thinking about that risk, before you apply for a policy.
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Old 04-01-2011, 18:37   #12
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BoatUS just wrote me a live-aboard policy.
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Old 05-01-2011, 00:08   #13
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how much and what kinda boat?

estimate is cool, or pm...thanks
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Old 05-01-2011, 08:28   #14
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The boat US policy was about 3.3% of hull value. That is similar to several other quotes I got. I would imagine it would be considerably cheaper if you do not live in an area prone to hurricanes. The boat is a 1989 Pacific Seacraft 34.
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Old 05-01-2011, 12:53   #15
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very cool.. that is totally reasonable...
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