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06-06-2016, 13:45
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#1
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Registered User
Join Date: Mar 2013
Location: sailing south
Boat: Ericson 35-2
Posts: 330
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Where to shop for liability insurance? Canadian boat going to Mexico.
I plan to take my boat south (from Vancouver to Cabo San Lucas), and am shopping for a liability insurance.
The one quote I have so far is $800 in Canadian dollars (~$630 in USD). Seems expensive - it's more than I paid for P&I + hull coverage, restricted to PNW.
Should I take this deal, or keep shopping around? Who should I talk to? Keeping in mind that US insurance companies mostly don't deal with Canadians.
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06-06-2016, 18:12
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#2
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Registered User
Join Date: Sep 2012
Location: Dominican Republic
Boat: 42' Colvin Gazelle
Posts: 323
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
Try Offshore Risk Management. Last time I used them it was $500 USD for third party insurance for a US boat. Also, Topsail and Pantaneus have been recommended to me but I have yet to check them out.
Sent from my K013 using Cruisers Sailing Forum mobile app
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06-06-2016, 18:36
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#3
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Registered User
Join Date: Jan 2015
Posts: 35
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
Try Cowan. I have bee dealing with them for 15 years.
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06-06-2016, 19:11
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#4
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Registered User
Join Date: Nov 2006
Location: Back in Northern California working on the Ranch
Boat: Pearson 365 Sloop and 9' Fatty Knees.
Posts: 10,488
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
You wont be in the US that long. I think Progressive is a few hundred bucks (a year) for liability only. You need that to berth in a harbor (harbour). Request to make monthly payments. Then cancel as you leave the US. Mx. Insurance is mandatory and also a few hundred bucks (a year). Hope this helps.
__________________
"Life is not a journey to the grave with the intention of arriving safely in a pretty and well-preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming: Wow - what a ride!"
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06-06-2016, 19:28
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#5
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Registered User
Join Date: Sep 2009
Posts: 558
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
I'm heading south to Mexico this year as well...my broker is changing my insurance to Lloyds of London and assures me that as an international insurer I am covered in Mexico, as well as far as Equador ...no need for separate Mexican liability.
I hope he's correct.
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06-06-2016, 19:54
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#6
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Registered User
Join Date: Nov 2006
Location: Back in Northern California working on the Ranch
Boat: Pearson 365 Sloop and 9' Fatty Knees.
Posts: 10,488
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
Ya...Me too...Especially since you will be dealing with Mexican owned marinas.
__________________
"Life is not a journey to the grave with the intention of arriving safely in a pretty and well-preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming: Wow - what a ride!"
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06-06-2016, 19:55
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#7
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Registered User
Join Date: Mar 2013
Location: sailing south
Boat: Ericson 35-2
Posts: 330
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
The $800 quote I've got is from Lloyds as well.
I think the idea with splitting up US and Mexican insurance is to have a narrower range, hence cheaper cover in both places.
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06-06-2016, 20:30
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#8
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Registered User
Join Date: Sep 2009
Posts: 558
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
Quote:
Originally Posted by Celestialsailor
Ya...Me too...Especially since you will be dealing with Mexican owned marinas.
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I asked my broker about this...he said he would give me a form letter written in Spanish from Lloyds confirming coverage.
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07-06-2016, 01:28
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#9
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Registered User
Join Date: Mar 2013
Location: sailing south
Boat: Ericson 35-2
Posts: 330
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
Alright, thanks to everyone for helpful advise. I've sent request quotes to everybody you guys mentioned here, we'll see how it goes.
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07-06-2016, 08:26
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#10
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Registered User
Join Date: Mar 2014
Location: Tacoma, Washington, USA
Boat: Casacde 36
Posts: 598
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
I needed it for mooring on buoys, and anchoring in some harbors, in Hawaii. Just called my house insurer, Allstate, and got a personal umbrella liability policy, that provides that coverage, for about $300 per year.
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07-06-2016, 08:47
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#11
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Registered User
Join Date: Sep 2012
Location: On the Ocean
Boat: Lagoon 40
Posts: 274
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
We are in Mexico right now (Isla Mujeres). We presently have a Lloyds policy which I got through Bluewater insurance (Florida). We are US flagged. If you need a contact, PM me and I will send to you.
Neil
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07-06-2016, 08:48
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#12
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cat herder, extreme blacksheep
Join Date: Jul 2008
Location: furycame alley , tropics, mexico for now
Boat: 1976 FORMOSA yankee clipper 41
Posts: 18,967
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
i use mariners group. my liability is 285 yearly.
you MUST use a company with feet in mexico--or it will not be accepted in mexico. no boat screw us, no progressive, no yada yada..must have feet in mexico.
mariners group is advertised here. there are others yes but i found these folks are good.
if you check into ensenada, they used to allow you time to buy from a lil company in town then return to finish check in procedure.
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07-06-2016, 08:54
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#13
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Registered User
Join Date: Mar 2012
Posts: 35
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
I have never been asked for proof of insurance in Mexico.
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07-06-2016, 09:09
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#14
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Marine Service Provider
Join Date: May 2016
Posts: 11
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
Quick question...are you going on the Baja Ha Ha by any chance????
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07-06-2016, 09:17
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#15
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cat herder, extreme blacksheep
Join Date: Jul 2008
Location: furycame alley , tropics, mexico for now
Boat: 1976 FORMOSA yankee clipper 41
Posts: 18,967
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Re: Where to shop for liability insurance? Canadian boat going to Mexico.
Quote:
Originally Posted by lookinggoodrock
I have never been asked for proof of insurance in Mexico.
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then you have not checked into port nor used a marina in mexico and you risk your boat.
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