Ended up going with Pantaenius. Their premium was Ok, compared to others.
I talked to a guy who made all sorts of clauses that I still don't understand, I just really hate this business, and have a good mind to be like probably 90% of boat
owners , No insurance
. Wonder what the ratio or percentage of boats out there that are actually at berth in a marina , and insured.
To my lack of knowledge and confusion, the boat is insured for fire , theft , grounding , recovery etc , unless the mast
fails , then I am on my own , as it is over 10 years old .
So , if I accidentally run aground , do major hull
damage , and in the process the mast
falls , I'm not insured .
I offered to get a rigging
report, but he simply played hard ball.
The way I see it . You have a nice big boat , less than 10 years old , in perfect condition where if you are unlucky on the 3 weekends a year you use it , you come unstuck , or run into someone etc, they want you . With their premiums so high , they don't need thousands of boats in their cover, they only want boats that have minimum opportunity for claims.
The litigation in this country has turned to crap, and these clever pricks know how to use words to their advantage.
He sure didn't like all my questions, changing the way a sentence could read to prove it could suit them .
They sure did take the joy out of boating
, and I hope like hell , I never need to claim