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19-09-2019, 12:39
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#1
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Registered User
Join Date: Oct 2017
Posts: 10
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No 6-pack, no insurance. Huh, really?
We are interested in purchasing a 2018 Lagoon 42 and were told that we could get insurance however, if we don't have our 6-pack we would have to hire a captain(who has a OUPV) to move the boat for us (every time, even if we wanted to go out into the harbor) or its not covered.
Is this correct? Is this something new?
Also, who are some of the insurance companies that can help us out and what are you charged?
Proper insurance coverage is a must(for us anyway)
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19-09-2019, 12:42
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#2
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Registered User
Join Date: Oct 2016
Posts: 65
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Re: No 6-pack, no insurance. Huh, really?
It could be a specific insurance company that requires a 6 pack (OUPV) license. There is no legal requirement for a recreational boater to have a 6 pack license outside of for profit activities.
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19-09-2019, 12:47
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#3
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Registered User
Join Date: Sep 2014
Location: Texas Gulf Coast
Boat: 2019 Saona 47
Posts: 147
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Re: No 6-pack, no insurance. Huh, really?
If you have no sailing experience, and more specifically no catamaran sailing experience, or training, many insurance companies will require a licensed Captain to be on board when underway, at least for some period of time until you gain the amount of experience they feel you need to operate the vessel safely. The part about requiring you to have a 6 pack license is a new one. Unless you intend to take paying passengers out for sails, I don't think that it would be required. Hell, I don't have one and have never been denied insurance. Keep looking and find an insurance company that is a bit more reasonable.
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19-09-2019, 12:52
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#4
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Senior Cruiser
Join Date: Apr 2009
Location: Bulverde, Texas
Boat: Shopping for a Cat
Posts: 464
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Re: No 6-pack, no insurance. Huh, really?
Quote:
Originally Posted by chriadel
We are interested in purchasing a 2018 Lagoon 42 and were told that we could get insurance however, if we don't have our 6-pack we would have to hire a captain(who has a OUPV) to move the boat for us (every time, even if we wanted to go out into the harbor) or its not covered.
Is this correct? Is this something new?
Also, who are some of the insurance companies that can help us out and what are you charged?
Proper insurance coverage is a must(for us anyway) |
Where are you located?
__________________
_________________
Steve
"The most beautiful thing we can experience is the mysterious. It is the source of all true art and science" - Albert Einstein
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19-09-2019, 13:37
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#5
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Registered User
Join Date: May 2013
Location: St. John, USVI
Boat: 2003 Beneteau 423
Posts: 379
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Re: No 6-pack, no insurance. Huh, really?
Time to get more insurance quotes. We had no issues with BoatUS, Markel, and Concept Special Risks.
Cheers, RickG
__________________
RickG & Sweet Christine
S/V Echoes - 2003 Beneteau 423
Coral Bay - St. John, USVI
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19-09-2019, 15:30
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#6
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Registered User
Join Date: Aug 2018
Boat: Lagoon 380
Posts: 123
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Re: No 6-pack, no insurance. Huh, really?
Our insurance required a captain until we'd completed our ASA 101,103,104 and 114 classes, and then he signed off on us being competent to the insurance agency and that was that.
We have pretty restrictive areas for our insurance, though, and that was by choice-we're not going that far yet since we're still skill building. We're on the east coast of the US.
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19-09-2019, 16:48
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#7
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Writing Full-Time Since 2014
Join Date: Nov 2008
Location: Deale, MD
Boat: PDQ Altair, 32/34
Posts: 7,125
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Re: No 6-pack, no insurance. Huh, really?
So, what is your sailing resume'?
You must have presented some basis of training or experience? First boat?
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19-09-2019, 17:02
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#8
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Moderator
Join Date: Oct 2013
Location: Jacksonville/ out cruising
Boat: Island Packet 38
Posts: 30,119
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No 6-pack, no insurance. Huh, really?
First I have ever heard of that, or of ASA classes being required.
They really had you complete ASA classes, or did they want a sign off?
When I bought my Maule my Insurence company wanted me to have 10 hours of PIC time in type, which is normal, especially for an airplane that has a very high claims / loss rate, which a Maule does.
Perhaps Lagoons have a high claims / loss rate?
I’ve always been surprised at how lax boating Insurence is, for aircraft the more ratings you have, the lower the Insurence cost, cause statistically your less likely to be involved in an accident.
Perhaps boating Insurence is catching up?
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20-09-2019, 05:26
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#9
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Registered User
Join Date: Oct 2017
Posts: 10
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Re: No 6-pack, no insurance. Huh, really?
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20-09-2019, 05:29
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#10
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Registered User
Join Date: Oct 2017
Posts: 10
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Re: No 6-pack, no insurance. Huh, really?
Quote:
Originally Posted by Steve_C
Where are you located?
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East coast USA
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20-09-2019, 05:34
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#11
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Writing Full-Time Since 2014
Join Date: Nov 2008
Location: Deale, MD
Boat: PDQ Altair, 32/34
Posts: 7,125
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Re: No 6-pack, no insurance. Huh, really?
Quote:
Originally Posted by chriadel
East coast USA
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First boat?
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20-09-2019, 05:37
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#12
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Registered User
Join Date: Oct 2017
Posts: 10
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Re: No 6-pack, no insurance. Huh, really?
Thank you for the feedback.
We were told this via a broker we're considering working with. Thought i'd chk here to see what people thought.
Thanks again.
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20-09-2019, 05:58
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#13
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Senior Cruiser
Join Date: Apr 2009
Location: Bulverde, Texas
Boat: Shopping for a Cat
Posts: 464
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Re: No 6-pack, no insurance. Huh, really?
__________________
_________________
Steve
"The most beautiful thing we can experience is the mysterious. It is the source of all true art and science" - Albert Einstein
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20-09-2019, 08:45
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#14
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Registered User
Join Date: Mar 2014
Location: Pacific NW.
Boat: KP 46
Posts: 577
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Re: No 6-pack, no insurance. Huh, really?
spend a day filling out the forms and get a 6 pack. They feel of you and if you are warm and can copy the rules of the road they give you one.
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20-09-2019, 09:08
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#15
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Registered User
Join Date: Nov 2013
Location: Wherever Sarah takes me but based in VA/Chesapeake
Boat: Bavaria 36
Posts: 85
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Re: No 6-pack, no insurance. Huh, really?
Quote:
Originally Posted by captmikem
spend a day filling out the forms and get a 6 pack. They feel of you and if you are warm and can copy the rules of the road they give you one.
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Getting an OUPV (6 pack) is not that easy. In fact, it's very hard - you either study a bunch or pay to have someone teach to the test. You don't just fill out forms. Any of you that think it's easy go take an online practice test.
__________________
__________________
Even if you’re on the right track, you’ll get run over if you just sit there..
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