In article . com,
says...



Da Kine wrote:
we've been trying to insure our boat for liability only and can not get
it without an out of water survey. It seems people with recked boats
from the canes are geting liability insurance and then letting calling
their boat in as a reck to get the insurance to clean it up. FL charges
the reg owner big bucks if you leave a boat sitting after it is recked.

THANK YOU Da KINE

AT LAST........... SOMTHING ABOUT INSURANCE!

So far we have Allstate as a real bargin. About $300-340 for reasonable
coverage for boats 27'-39'

Any other owners out there who have insurance recomendations?

Boat US. Had Allstate once because they carried our home insurance. But I
got the impression they knew from nothing about marine. Looked into
swithcing to Geico, which carries our car insurance. But they know from
nothing about sailboats and could not touch our Boat US premium by several
hundred dollars. Their service has been excellent. We had a major casualty
(fire) two weeks after we bought the policy and they paid with never a
quibble. Our premium increased only 10% and that for only two years when
it fell back to the no claims level.

By the way, it has been a pleasure to follow this somewhat off-topic
thread without having to wade through torrents of invective, vulgarity,
insults, scatology, homophobia and just plain bad manners. Try
alt.politics for fulsome displays of all the above.

Gogarty wrote:
By the way, it has been a pleasure to follow this somewhat off-topic
thread without having to wade through torrents of invective, vulgarity,
insults, scatology, homophobia and just plain bad manners.
snip..




...and that's just Fred's contribution.....

On Thu, 13 Apr 2006 09:52:00 -0400, Gogarty wrote:

In article ,
jimh_osudad@yahooDOTcomREMOVETHIS says...



"prodigal1" wrote in message
news
On Wed, 12 Apr 2006 07:17:39 -0400, JimH wrote:

I take it your not an American...........otherwise you would know that
whatever our Government touches turns corrupt or bloated with
beauracracy........and most inefficient.

ahhh...if only life were so black and white... no Jim, I'm not an
American, and --apparently unlke you-- I have had experience with both
public and private insurance, and I can tell you from experience that
the private system is not to be preferred. You keep paying your
premiums and I'll continue looking for a better way.


Socialist? Me thinks so. ;-)


So what's wrong with that if it works?

no no, you're missing it...
life is black and white
capitalism = inherently good
socialism = inherently bad
with us = not agin us
not with us = agin us
etc...

now isn't that simpler?

JimH wrote:


Public insurance translated means government run insurance.............no
thanks.

In British Columbia we have mandatory 3rd party automobile liability
insurance through the government insurance company ICBC.

You can also purchase comprehensive or collision insurance through
them, or a private company. Last time I got a quote, the private
company was MORE money than the government run one. And I've got a
very good driving insurance record.

Why not have an government insurance agency, with a larger pool of
insureds to help lower the premium? Excess profit in the government
agency means premiums get lowered the next year. A larger
organization like ICBC seems to be more efficient than 15 smaller
companies.

When I lived in the US, 1/3 of our doctor's office was taken up by
people dealing with all the health insurance companies. It seemed
very inefficient.

There seems to be a tendency in the US to really fear many forms of
government programs.

Evan Gatehouse

Dave wrote:
On 11 Apr 2006 12:45:45 -0700, "Bob" said:


Boat: 39.3', 1979, solid glass hull
Insured Valued: $69,000
Enviornmetal clean up $500,000
Liability: $500,000
Medical: $25,000 per incident
Area of operation: PNW, Out about 100 miles.
Premium/year: $304


That sounds like a helluva deal. Practical sailor just ran a comparison, but
I don't think they showed anything near that low. Rates seem to go up as you
go south, both because of hurricanes and because of more months in the
water.

Who's your carrier?

No kidding, that sounds low.

In BC, Canada:

40' fiberglass catamaran, 1987
Insured value: $55K
Liability: $2M
Area: BC Coast
Premium: 774

Are you sure you have an agreed value policy, and not an "Actual Cash
Value" policy?

Evan Gatehouse