I am constantly amazed at how passive some people are. They can't get
insurance so they don't take a cruise on their boat. Kind of a stupid
decision in my opinion. Don't people realize insurance is you betting
against yourself and the insurance company betting on you. If an
insurance company is willing to bet on you I have to wonder why you
think it's an unacceptable risk to bet on yourself.

Get this through your thick skull. Insurance is socialism. It has
nothing to do with safe boating. It has everything to do with grabbing a
portion of your wealth. What to do about it? Self-insure. Yes, put some
money aside and insure yourself. Since any accident or negligence that
results in a loss will be coming 100% out of your own pocket you will
become a safer boater and less likely to come to grief. The next time I
hear some fool tell me, "Oh, don't worry, I have insurance." after
leaving their boat on one inadequate anchor, I think I'm going to spit
right in their face. Why should I have to be exposed to having my boat
damaged because some irresponsible slob with an insurance policy drags
down on me and damages my boat? If more people didn't have insurance
boating would be a whole lot safer. I hear people all the time using
that phrase. "Don't worried, it's insured!" They leave their boats
unprepared in a slip when a hurricane is on the way. "Don't worry, it's
insured!" They go around without a chart or a clue and say, "I don't
worry about it. My boat's insured." Give other boaters a break why don't
you. Stop with the insane attitude. Take responsibility for your own
actions. Stop using insurance as an excuse for your own stupidity.

Wilbur Hubbard



"Roger Long" wrote in message
...
It's not looking too good for getting to Nova Scotia this year.

I got forced out of aviation by the constantly tightening noose of
insurance and I can see the early signs of the same processes at work
when talking to agents about the necessary insurance. The hurricane
losses and the propensity for people doing boneheaded things in
expensive boats have got the underwriters turning the screws.

There's no question that I can get the insurance but another survey
and significantly higher premiums put the cost up to where it seems
pretty steep for a week or two of cruising. I'd hoped to spend most of
the summer along the Nova Scotia coast but it now looks as though I'll
have too much going on with work to do that. Canada will have to wait
until next year when I can justify the insurance cost with a couple
months of use.

It's not a huge disappointment though. I wanted to go east since I've
seen most of New England over the years. However, I have a new
cruising partner who has not and showing her Maine more thoroughly and
leisurely (after all, you could spend a lifetime on this coast) with
some trips down to the Cape to swim in warm water and visit old haunts
will be pretty nice.

I contacted insurance agents suggested in response to a posting here
as well as some others. It was pretty discouraging to have a couple of
them tell me not to give up my current insurance if at all possible
because I might find it impossible to get insurance soon on a 1980
boat. The underwriters are evidently using age as a primary criteria
for squeezing down their total insurance exposure to a level they are
comfortable with. It seems crazy because my boat is a lot more solid
than most of the brand new ones I see. It may be just economics. It
costs them the same to service and administer the policy for my
$25,000 boat as one of the new quarter million dollar daysailers that
probably get used twice a season. At ten times the premium and less
usage exposure, it makes sense for them. From what I'm hearing, it's
going to be very hard to get insurance for 1980 vintage cruising boats
in a few years.

Other things I learned.

You do not want to have two policies covering the same area. If you
do have a claim, you have an excellent chance of winding up with
nothing because the two companies will point fingers at each other
forever. Some policies will even let them deny a claim if you have
other insurance that you have not disclosed to them. So, keeping my
current inexpensive insurance that lets me sail as late in the year as
I want and buying another policy for Canada is not an option.

The one Canadian company I spoke to said they could not insure a US
registerd yacht unless it is in Canada permanently. This was after
questioning their underwriters so would probably apply to all
companies up there.

--
Roger Long

Wilbur ,, if you for some unknown reason happen to bump into me ... not that
you would ever do this ... but just in case...

And I said "Hey, Wilbur, you owe me a new Awlgrip job and that cost
$12,000".

Are you going to pay it ??

Are you taking risk or collision?

If you carry liability insurance, they you can pay for the Awlgrip job.

==============================================

In college I took a course called Risk and Insurance. One thing I learned;
you don't need as much coverage as they recommend.

But, you must decide how much risk you can take on yourself.

==============================================


"Wilbur Hubbard" wrote in message
...
I am constantly amazed at how passive some people are. They can't get
insurance so they don't take a cruise on their boat. Kind of a stupid
decision in my opinion. Don't people realize insurance is you betting
against yourself and the insurance company betting on you. If an insurance
company is willing to bet on you I have to wonder why you think it's an
unacceptable risk to bet on yourself.

Get this through your thick skull. Insurance is socialism. It has nothing
to do with safe boating. It has everything to do with grabbing a portion
of your wealth. What to do about it? Self-insure. Yes, put some money
aside and insure yourself. Since any accident or negligence that results
in a loss will be coming 100% out of your own pocket you will become a
safer boater and less likely to come to grief. The next time I hear some
fool tell me, "Oh, don't worry, I have insurance." after leaving their
boat on one inadequate anchor, I think I'm going to spit right in their
face. Why should I have to be exposed to having my boat damaged because
some irresponsible slob with an insurance policy drags down on me and
damages my boat? If more people didn't have insurance boating would be a
whole lot safer. I hear people all the time using that phrase. "Don't
worried, it's insured!" They leave their boats unprepared in a slip when a
hurricane is on the way. "Don't worry, it's insured!" They go around
without a chart or a clue and say, "I don't worry about it. My boat's
insured." Give other boaters a break why don't you. Stop with the insane
attitude. Take responsibility for your own actions. Stop using insurance
as an excuse for your own stupidity.

Wilbur Hubbard



"Roger Long" wrote in message
...
It's not looking too good for getting to Nova Scotia this year.

I got forced out of aviation by the constantly tightening noose of
insurance and I can see the early signs of the same processes at work
when talking to agents about the necessary insurance. The hurricane
losses and the propensity for people doing boneheaded things in expensive
boats have got the underwriters turning the screws.

There's no question that I can get the insurance but another survey and
significantly higher premiums put the cost up to where it seems pretty
steep for a week or two of cruising. I'd hoped to spend most of the
summer along the Nova Scotia coast but it now looks as though I'll have
too much going on with work to do that. Canada will have to wait until
next year when I can justify the insurance cost with a couple months of
use.

It's not a huge disappointment though. I wanted to go east since I've
seen most of New England over the years. However, I have a new cruising
partner who has not and showing her Maine more thoroughly and leisurely
(after all, you could spend a lifetime on this coast) with some trips
down to the Cape to swim in warm water and visit old haunts will be
pretty nice.

I contacted insurance agents suggested in response to a posting here as
well as some others. It was pretty discouraging to have a couple of them
tell me not to give up my current insurance if at all possible because I
might find it impossible to get insurance soon on a 1980 boat. The
underwriters are evidently using age as a primary criteria for squeezing
down their total insurance exposure to a level they are comfortable with.
It seems crazy because my boat is a lot more solid than most of the brand
new ones I see. It may be just economics. It costs them the same to
service and administer the policy for my $25,000 boat as one of the new
quarter million dollar daysailers that probably get used twice a season.
At ten times the premium and less usage exposure, it makes sense for
them. From what I'm hearing, it's going to be very hard to get insurance
for 1980 vintage cruising boats in a few years.

Other things I learned.

You do not want to have two policies covering the same area. If you do
have a claim, you have an excellent chance of winding up with nothing
because the two companies will point fingers at each other forever. Some
policies will even let them deny a claim if you have other insurance that
you have not disclosed to them. So, keeping my current inexpensive
insurance that lets me sail as late in the year as I want and buying
another policy for Canada is not an option.

The one Canadian company I spoke to said they could not insure a US
registerd yacht unless it is in Canada permanently. This was after
questioning their underwriters so would probably apply to all companies
up there.

--
Roger Long

In article y9IHh.9213$kf.145@trndny02,
NE Sailboat wrote:
Wilbur ,, if you for some unknown reason happen to bump into me ... not that
you would ever do this ... but just in case...

This isn't a possibilty. Neal, aka Wilbur, a troll, doesn't sail. Do a
web search on Neal Warren. You'll see what I mean.

And I said "Hey, Wilbur, you owe me a new Awlgrip job and that cost
$12,000".

Are you going to pay it ??

He doesn't have $0.12 to his name.

Are you taking risk or collision?

He risks a collision every time he gets on his bicycle.

--
Capt. JG @@
www.sailnow.com

"NE Sailboat" wrote in message
news:y9IHh.9213$kf.145@trndny02...
Wilbur ,, if you for some unknown reason happen to bump into me ...
not that you would ever do this ... but just in case...

And I said "Hey, Wilbur, you owe me a new Awlgrip job and that cost
$12,000".

Are you going to pay it ??


He'll no I ain't gonna pay it. That's extortion and you know it. One
little scratch doesn't entitle you to a whole new paint job. You're only
entitled to get the scratch buffed out and painted to match. To be made
whole, so to speak. I can buff and paint with the best of them. I would
pay for a haul-out if necessary and I would paint the boo boo myself.
More likely, I'd be able to do job in the water. You'd get nothing more
from me other than an "I'm sorry for the inconvenience." If you're
gonna live life you gotta take the good with the bad. The most you
should expect is to not be out of pocket because of some idiot damaging
your boat.

See, that's exactly the problem with insurance I'm talking about. Idiots
think if they get a little boo boo they deserve a whole new boat. Then
they complain to high heavens about ridiculous premiums. Sorry but
things don't work that way in the real world. If you want insurance to
pay for extortion then expect to pay confiscatory rates for insurance.
You get what you pay for.

Wilbur Hubbard

Well then ... my lawyer will be seeking to take your home.

I'm sure it is worth $12,000.

And no .. Wilbur. You are not about to work on my boat. No way.

I want the guy at the marina. The one who brags about the $80,000 dollars
he extorted .. oopps I mean made ... last year doing paint jobs of
sailboats.


================
"Wilbur Hubbard" wrote in message
...

"NE Sailboat" wrote in message
news:y9IHh.9213$kf.145@trndny02...
Wilbur ,, if you for some unknown reason happen to bump into me ... not
that you would ever do this ... but just in case...

And I said "Hey, Wilbur, you owe me a new Awlgrip job and that cost
$12,000".

Are you going to pay it ??


He'll no I ain't gonna pay it. That's extortion and you know it. One
little scratch doesn't entitle you to a whole new paint job. You're only
entitled to get the scratch buffed out and painted to match. To be made
whole, so to speak. I can buff and paint with the best of them. I would
pay for a haul-out if necessary and I would paint the boo boo myself. More
likely, I'd be able to do job in the water. You'd get nothing more from me
other than an "I'm sorry for the inconvenience." If you're gonna live
life you gotta take the good with the bad. The most you should expect is
to not be out of pocket because of some idiot damaging your boat.

See, that's exactly the problem with insurance I'm talking about. Idiots
think if they get a little boo boo they deserve a whole new boat. Then
they complain to high heavens about ridiculous premiums. Sorry but things
don't work that way in the real world. If you want insurance to pay for
extortion then expect to pay confiscatory rates for insurance. You get
what you pay for.

Wilbur Hubbard

* NE Sailboat wrote, On 3/7/2007 8:38 PM:
Well then ... my lawyer will be seeking to take your home.

I'm sure it is worth $12,000.

Would you really pay $12,000 for a refrigerator box? This is Neal
you're talking about. His home, boat, cat, and all of his body parts
would leave you about $11,700 short.

NE Sailboat wrote:
Well then ... my lawyer will be seeking to take your home.

I'm sure it is worth $12,000.

And no .. Wilbur. You are not about to work on my boat. No way.

I want the guy at the marina. The one who brags about the $80,000 dollars
he extorted .. oopps I mean made ... last year doing paint jobs of
sailboats.


================
"Wilbur Hubbard" wrote in message
...

"NE Sailboat" wrote in message
news:y9IHh.9213$kf.145@trndny02...

Wilbur ,, if you for some unknown reason happen to bump into me ... not
that you would ever do this ... but just in case...

And I said "Hey, Wilbur, you owe me a new Awlgrip job and that cost
$12,000".

Are you going to pay it ??


He'll no I ain't gonna pay it. That's extortion and you know it. One
little scratch doesn't entitle you to a whole new paint job. You're only
entitled to get the scratch buffed out and painted to match. To be made
whole, so to speak. I can buff and paint with the best of them. I would
pay for a haul-out if necessary and I would paint the boo boo myself. More
likely, I'd be able to do job in the water. You'd get nothing more from me
other than an "I'm sorry for the inconvenience." If you're gonna live
life you gotta take the good with the bad. The most you should expect is
to not be out of pocket because of some idiot damaging your boat.

See, that's exactly the problem with insurance I'm talking about. Idiots
think if they get a little boo boo they deserve a whole new boat. Then
they complain to high heavens about ridiculous premiums. Sorry but things
don't work that way in the real world. If you want insurance to pay for
extortion then expect to pay confiscatory rates for insurance. You get
what you pay for.

Wilbur Hubbard



"Wuilbur" doesn not ahve a home...he has a bicycle...a dinghy...a
sailboard..and a voodoo doll named katy...and that's all he
has...oh..and his ancient laptop...you can't bleed blood from a rock..

In article ,
katy wrote:
"Wuilbur" doesn not ahve a home...he has a bicycle...a dinghy...a
sailboard..and a voodoo doll named katy...and that's all he
has...oh..and his ancient laptop...you can't bleed blood from a rock..

You forgot about the cedar bucket!

--
Capt. JG @@
www.sailnow.com

"NE Sailboat" wrote in message
news:rOJHh.1308$pi.633@trndny09...
Well then ... my lawyer will be seeking to take your home.

I'm sure it is worth $12,000.

And no .. Wilbur. You are not about to work on my boat. No way.

OK, it's a free country and your choice. So instead of my repairing your
paint job to perfection I would be willing to offer you cash for what my
labor is worth to fix the boo boo. I estimate it would take me about
three hours total to fix some scuffed paint. For what my labor is worth,
about forty dollars an hour, I'd be willing to offer you $120. I'd round
it up to $150 for paint and supplies. You don't think I'm stupid enough
to get gouged for 12 large for a simple scuffed paint job do you? Do I
look like an insurance company to you

Wilbur Hubbard

On Thu, 08 Mar 2007 01:38:31 GMT, "NE Sailboat"
wrote:

my lawyer will be seeking to take your home.

Heh, you can probably get his park bench without a lawyer.