On Dec 20, 7:25*pm, "Calif Bill" wrote:
"John H." wrote in message

...





On Wed, 19 Dec 2007 17:53:23 -0800, "Calif Bill"

wrote:

"Eisboch" wrote in message
...

"Dave Hall" wrote in message
...

Wow, I have never had a boat surveyed and have never had any problem
getting insurance. Of course my boats are more along the line above
(one was worth about $4,000, another about $6,000. Both were 19 ft
cuddys). One boat was totaled in Ivan less than a couple months after
buying it and the insurance company didn't bat an eye paying for it.
Of course I think they paid more to have the damn thing drug out of
the woods along a desolate part of the river bank and hauled out of
the river to a junk yard than they paid me for the boat ;-)

Dave Hall

Both of our boats (the Navigator and the Grand Banks) are insured by a
major, international marine underwriter.
A survey was not required for either boat to get insurance as best as I
can recall. *We may have sent copies anyway, to document the boats'
equipment inventories and to provide engine serial numbers and stuff,
but
I don't recall a survey as being specifically required to obtain
coverage.
The coverage includes replacement cost, $2 million liability, damage by
uninsured others, fuel spill and, surprisingly, storm and or ice damage
during storage (assuming certain precautions are taken). *They also
cover
half the cost of emergency hauling in the event of severe storms, which
I
didn't know until I read the policy carefully the other day.

Years ago with smaller boats I originally got "insurance" as a low cost
rider on our home owner's policy.
Then I found out it covers next to nothing, including fuel spills, which
scared the bananas out of me. *You don't want to be uninsured for fuel
spills, have an "event" and then have the Fed coming after you for
reimbursement.

Eisboch

And if you have a small cheaper boat, you probably only get liability
insurance, and since the company is not paying for boat loss, probably no
survey needed. *My boat cost $20k in 1995 and is probably worth $25k now.
New motor and a T-8 kicker added. *And the replacement boats like mine are
now $50-75k. *BoatUS has never asked for a survey.

I had my Proline covered for boat loss, but no survey was required.
--
John H

Was a new boat.- Hide quoted text -

- Show quoted text -

Wrong again! Damn this is fun!