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To sea trial/haul or not -update
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! |
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