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26-07-2010, 06:19
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#1
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Registered User
Join Date: Jan 2008
Posts: 4
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Cruising Insurance Company for the Carribbean
We want to buy insurance for our next season,crossing from the florida keys and ultimately to St.Lucia.
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26-07-2010, 06:28
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#2
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Registered User
Join Date: Mar 2008
Posts: 6
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We ultimately went with Blue Water Yacht Insurance. Great to deal with and "reasonable" premiums if that is possible on a sailboat. Looking forward to seeing other responses as well as ours expires soon and we will be researching better rates.
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26-07-2010, 06:35
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#3
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Registered User
Join Date: Jul 2008
Location: Live Iowa - Sail mostly Bahamas
Boat: Beneteau 32.5
Posts: 2,307
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Give IMIS a try
IMIS Home Page
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26-07-2010, 07:42
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#4
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Elvish meaning 'Far-Wanderer'
Join Date: Jan 2008
Location: Boat - Greece - Me - Michigan
Boat: 56' Fountaine Pajot Marquises
Posts: 3,491
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Joe Kolisch
Kolisch Marine Insurance, Inc.
1020 Bayamo Avenue Coral Gables, FL 33146 USA
305-992-3482 fax 305-424-9358
www.kolisch.net
joe@kolisch.net
__________________
Our course is set for an uncharted sea
Dante
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29-07-2010, 09:59
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#6
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Marine Service Provider

Join Date: Jul 2007
Location: still cruising after 15 years
Boat: MaineCat Catamaran 41'
Posts: 513
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The last time I looked at the Commandeur policy it excluded coverage for injuries to your guests while they were aboard you vessel. So I guess that means you have to have happy hour on someone else's boat.
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29-07-2010, 10:58
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#7
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Registered User
Join Date: Jul 2006
Location: Underway in the Med -
Boat: Jeanneau 40 DS SoulMates
Posts: 2,275
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we have used and recommeded bill hodgens of ft lauderdale for sometime and those who have contacted him have been happy and a couple of boats let me know that they went with him as he was able to structure a program just for them
we will be headed to mexico and points south later this year (God Willing) and we have already begun discussions with him on what we will need and he has given us some prelimary numbers that we liked with a couple of great companies
nothing ventured nothing gained - give him a try at yachtinsure.com
and NO i get nothing out of this except to help fellow cruisers out
chuck patty and svsoulmates
on the hook onancock, va
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29-07-2010, 11:17
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#8
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Registered User
Join Date: Oct 2005
Location: Presently on US East Coast
Boat: Manta 40 "Reach"
Posts: 10,108
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Quote:
Originally Posted by TabbyCat
The last time I looked at the Commandeur policy it excluded coverage for injuries to your guests while they were aboard you vessel. So I guess that means you have to have happy hour on someone else's boat.
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Yes, this is true. For personal liability, you can either have happy hour on someone else's boat or you can just get a personal liability umbrella policy for $100-200 to cover that part.
Luckily, if you are outside the US, sue-happy people are rare and any cases must be brought through foreign courts using local attorneys, making them more difficult to pursue.
Insurance is always about trade offs. For us, Commandeur is half the price of IMIS with much better coverage and terms (excepting the personal liability part). Others may have a different set of criteria and prefer different carriers.
Mark
__________________
www.svreach.com
You do not need a parachute to skydive. You only need a parachute to skydive twice.
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29-07-2010, 11:25
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#9
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Registered User
Join Date: Mar 2003
Location: Wherever the boat is!
Boat: Marine Trader 34DC
Posts: 4,619
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Run away from Bluewater. Look at IMIS. The companies they will find for you will probably be the same. Don't shop brokers, find a broker like IMIS that understands cruising boats and let them shop the insurance companies and underwriters for you. Chuck
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01-08-2010, 11:54
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#10
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Registered User
Join Date: Jul 2006
Location: Underway in the Med -
Boat: Jeanneau 40 DS SoulMates
Posts: 2,275
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i would disagree with waterway guy -- i would shop brokers -- they are all different and may give you differents answers --
but i would agree with him on finding a broker who understands and was a cruiser - i have met with the head of imis and he knows what he is doing - i deal with bill hodgens and he is an excruiser who has been there done that
some brokers only quote and have not been there or done that and do not understand the issues involved
good luck
chuck patty and svsoulmates
on the hook deltaville va
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01-08-2010, 15:01
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#11
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Registered User
Join Date: Mar 2003
Location: Wherever the boat is!
Boat: Marine Trader 34DC
Posts: 4,619
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chuckr, What I meant was that calling several brokers will not get you a better deal since they are all using the same underwriters and insurance companies. What you will find is that if you contact three brokers, they will all three request a quote from the same underwriter or insurance companies. Then you will be branded as a shopper and the service you receive will suffer. Find a broker that you are comfortable with, and stay with them. There are few companies today that will insure cruisers. If you are a weekender or casual boater your options are greater.
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01-08-2010, 16:17
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#12
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Registered User
Join Date: Jul 2010
Location: Montana
Posts: 391
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Anyone have any reports about Admiral Insurance in Britain?
__________________
Healer52 / Lisa, Rick and Angel the Salty Dog
Currently on the hard, looking for a boat
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01-08-2010, 16:41
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#13
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Registered User
Join Date: Mar 2006
Location: Tampa Bay area, USA
Boat: Beneteau First 42
Posts: 3,961
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Quote:
Originally Posted by Waterwayguy
Run away from Bluewater. Look at IMIS. The companies they will find for you will probably be the same. Don't shop brokers, find a broker like IMIS that understands cruising boats and let them shop the insurance companies and underwriters for you. Chuck
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Absolutely correct. Do a search on "TabbyCat". She works with IMIS and has been very helpful. IF you are lucky, you'll qualify for a policy issued by Markel, either a Helmsman or Jackline policy. In either case, IMIS is your best bet.
FWIW...
__________________
"It is not so much for its beauty that the Sea makes a claim upon men's hearts, as for that subtle something, that quality of air, that emanation from the waves, that so wonderfully renews a weary spirit."
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16-08-2010, 14:12
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#14
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Registered User
Join Date: Feb 2008
Location: Durango, CO
Boat: Leopard 42 - JAMU
Posts: 196
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My Leopard 42 is in the Caribbean. I re-shop my marine insurance every year, and once again I am insured with Pantaeneius for the best coverage and premiums.
__________________
Safe Sailing,
JamuJoe - Durango, CO
S/V JAMU - Western Caribbean
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16-08-2010, 17:15
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#15
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Registered User
Join Date: Sep 2007
Location: Cayuga Lake NY - or on the boat somewhere south of there
Boat: Caliber 40
Posts: 1,321
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Another vote for IMIS. They really know what they are doing and have been very good to me.
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