Oh, Canada
 

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

Oh, Canada
 

On Wed, 07 Mar 2007 11:43:23 -0500, Roger Long wrote:

It's not looking too good for getting to Nova Scotia this year.
....

Another other option is to just go without insurance. Personally I think
the sooner the extortion racket we call "insurance" is brought
to heel, the better.

Oh, Canada
 

"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

That's too bad.
here's the company who were giving a discount to the Canadian Power & Sail
Squadron.
https://www.cowangroup.ca/cigl/pages...e/index_en.jsf

I just got a disappointing phone call yesterday squashing my dreams of
fleeing Nova Scotia for the rest of this winter.
Last week my buddy in the BVI had called asking if I was interested in
helping out on a couple of deliveries.
1st was a 57 foot sailboat from Tortola to Florida.
2nd was a delivery from Florida to Saint Vincent.
Ho couldn't nail down the 2nd part (his quote too high?) so he decided not
to do the first job.
The idea was to spread the cost of mine and another crewmembers airfare over
the two jobs to make it worthwhile.
Sure sounded good... return airfare, fed while underway and a modest daily
payment.
Anyway he's off to do a couple of charters but will keep me in mind if any
other deliveries come up.

Oh, Canada
 

Rick B. wrote:
Did you speak with these people?

The Andover Companies

Just did. They offer the kind of insurance I have not, tacked on to a
homeowner's policy. No stand alone boat insurance or cruising insurance for
Canada.

Thanks anyway.

--
Roger Long

Oh, Canada
 

Roger ,, what company are you with now?

Did that company make you get a survey?

If I am reading this right .. ??? ,,, you know me. You have insurance but
it does not cover a trip to Canada. Is that right?

Does this mean that you have insurance but while in Canada you are not
covered? So, you would be covered up till the point
you cross the Canadian line. [ what do they call it on the water, border,
etc? ]

Seems weird that your insurance can't be adjusted, such that you would be
covered while over in Nova Scotia.

The insurance industry is out of whack. I would think someone like you
would be a good risk.

It said in the paper this past week that the insurance companies did very
well this year. No hurricanes in Florida or elsewhere.

The Katrina thing put them back though. The politicians want the insurance
companies to cover losses that are not covered by the
policies. I saw one on the news where these two policemen wanted their
house covered, it was flooded. They said it was wind damage. What a load
of bull. The house was underwater after the flood in New Orleans.

Why didn't they have flood insurance? Oh,, they said they forgot to get it.
Sure ... sure.

But the pols wanted them covered and a corrupt judge in Lousiana [ corrupt?
Lousiana? .. your kidding Tom ] said oh sure,, they should be covered.

Now... you and me and everyone else is paying for this nonsense.


"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

Oh, Canada
 

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

Oh, Canada
 

"Roger Long" wrote in news:45eeebaa$0$17002
:

However, I have a new cruising partner

Aha! Now we know why you can't afford the insurance....hee hee.

Congrats, Roger. Take her cruising Titanic, instead. We all enjoyed that
one!

Larry
--
How much price inflation is caused by illegal
aliens gobbling up goods and services, creating
shortages for the natives? I heard 40%!

Oh, Canada
 

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

Oh, Canada
 

Larry ,, maybe Roger is just looking for an excuse to remain tied to the
dock!

If I see a boat up there near Portland with "If this Boats a Rockn ,, don't
come a knocking"

.... ....



"Larry" wrote in message
...
"Roger Long" wrote in news:45eeebaa$0$17002
:

However, I have a new cruising partner

Aha! Now we know why you can't afford the insurance....hee hee.

Congrats, Roger. Take her cruising Titanic, instead. We all enjoyed that
one!

Larry
--
How much price inflation is caused by illegal
aliens gobbling up goods and services, creating
shortages for the natives? I heard 40%!

Oh, Canada
 

Wilbur Hubbard wrote:

A nice long simplistic tirade hardly worth repeating here.

I would be perfectly happy to take full responsibility for my own actions
and go bare. However, insurance covers a lot of other things, like the boat
sitting unattended at a dock while you are shopping that I would like to be
covered for. With current environmental regulations, the break up of the
boat could expose you to costs way beyond the price of the boat. The only
way to get insurance for those things is to buy the whole package. Losing
the boat would be one thing, spending the rest of my life destitute or
delaring bankruptcy at my age would be another.

I'll get the insurance and go to Canada when I can go long enough to justify
the cost. This year, I'll still have a great time but just in different
places.

--
Roger Long

Oh, Canada
 

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

Oh, Canada
 

Roger, you have to understand that "Wilbur Hubbard" is really Capt.
Neal, who seems to have lost his uninsurable "banana boat" in the
hurricanes last year. Since he has no assets beyond his appliance
box, he is unconcerned about liability issues.

* Roger Long wrote, On 3/7/2007 6:56 PM:
Wilbur Hubbard wrote:

A nice long simplistic tirade hardly worth repeating here.

I would be perfectly happy to take full responsibility for my own
actions and go bare. However, insurance covers a lot of other things,
like the boat sitting unattended at a dock while you are shopping that I
would like to be covered for. With current environmental regulations,
the break up of the boat could expose you to costs way beyond the price
of the boat. The only way to get insurance for those things is to buy
the whole package. Losing the boat would be one thing, spending the
rest of my life destitute or delaring bankruptcy at my age would be
another.

I'll get the insurance and go to Canada when I can go long enough to
justify the cost. This year, I'll still have a great time but just in
different places.

Oh, Canada
 

"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

Oh, Canada
 

In article ,
"Roger Long" wrote:

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.

?? You can't get a rider with your existing company??

When we went a bit out of our normal range (250 nm down the ICW), I
think we paid $50 for a month's coverage out to 50 or 100 nm off shore.
When we moved the boat up the Delaware for over-winter, they added the
Delaware River and Bay for no extra charge.

It's not like you're going to materially change the type of cruising
you do.

--
Jere Lull
Xan-a-Deux ('73 Tanzer 28 #4 out of Tolchester, MD)
Xan's NEW Pages: http://web.mac.com/jerelull/iWeb/Xan/
Our BVI FAQs (290+ pics) http://homepage.mac.com/jerelull/BVI/

Oh, Canada
 

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

Oh, Canada
 

* 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.

Oh, Canada
 

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..

Oh, Canada
 

"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

Oh, Canada
 

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.

Oh, Canada
 

"NE Sailboat" wrote in
news:7bIHh.20967$tf.17808@trndny06:

Larry ,, maybe Roger is just looking for an excuse to remain tied to
the dock!

With a new "sailing partner", being dockbound isn't so bad...unless there
are also livaboards across the finger pier complaining her moaning and
screaming are waking them up...hee hee. Damned boats have such thin
hulls, you know...(c;


If I see a boat up there near Portland with "If this Boats a Rockn ,,
don't come a knocking"



Yeah, the mast always waves like a flag on that boat, saying, "Look What
We're Doing!" to everyone walking down the dock. You can gaze out over
any marina full of sailboats and note which ones are having an especially
good time by watching the mast tips moving, even when there's no wakes...
(c;



Larry
--

Oh, Canada
 

"Wilbur Hubbard" wrote in message
...
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.

Ah. The moral hazard of insuring.

I'll agree with you there's not necessarily any need to insure your own
losses. Self insurance for loss or damage to your own boat will only harm
*you* if things go wrong.

With respect to third parties, it's a different matter. If an incident
occurs which is your fault, and it results in damage, injury or death to
another, will you have the assets to compensate them?

For this reason third party boat insurance in most parts of Europe is
compulsory. And even when it's not, many marinas will not accept vessels
without evidence of third party insurance. Bit like compulsory car insurance
in most civilised countries . . .

Luckily, third party only insurance is cheap. Perhaps that's Roger's answer.

JimB
www.jimbaerselman.f2s.com/
Comparing the cruise areas of Europe

Oh, Canada
 

Jere Lull wrote:

?? You can't get a rider with your existing company??

Nope. They don't have underwriting for waters outside the US aside from the
Great Lakes.

I could change to a company with more comprehensive geographical limits but
my premiums are half other quotes I've gotten and I have no calendar limits
so I can sail on those nice days in November and December if I want. Also,
no requirement for re-survey every couple of years. I would really hate to
give up these advantages just for a couple weeks in Canada. Next year, when
I should be able to go all summer, it will be different.

--
Roger Long

Oh, Canada
 

On Wed, 07 Mar 2007 13:10:03 -0500, in message

"mr.b" wrote:

On Wed, 07 Mar 2007 11:43:23 -0500, Roger Long wrote:

It's not looking too good for getting to Nova Scotia this year.
...

Another other option is to just go without insurance. Personally I think
the sooner the extortion racket we call "insurance" is brought
to heel, the better.

I'm not sure it is an extortion racket, as both of those are loaded
terms. OTOH there is a strong social pressure to insure any endeavour
we undertake and the rates will be set on the basis of the dumbest
endeavourer.

Roger, have you asked about liability vs vessel loss? Make sure you
protect yourself only against losses you can't absorb. Based on past
information, I have the impression that a sinking wouldn't change your
world unless you lost crew.

Ryk