New guy with questions

gpd955 · Sep 15, 2011

Don't know about the others on here but when I insured my boats, no one ever asked about my experience/courses, etc. BoatUS has some basic experience questions. Basically the questions focused on location of berth, areas you will be sailing, and whether or not the boat stays in the water year round.

Try BoatUS and I have used Ace and Foremost.

I just did a quote on a 1999 Catalina 34 to be berthed in Ventura with the least amount of experience choices:

Application#:3366868
Name:JOE SCHMO
Quote Date:9/15/2011Quote Valid Until:11/15/2011 Boat Year:1999Boat Length:34Builder:CATALINAHull ID Documentation #:Registration #:
Coverage Description
Coverage $Deductible $Boat and Boating Equipment (Agreed Hull Value) 75,000/750Boating Liability (Protection and Indemnity)

Property Damage/Bodily Injury

Provides coverage for third party property damage or bodily injury, caused by you or your boat for which you're found legally liable. 300,000

Fuel and Other Spill Liability

This additional liability covers unintentional discharge of oil or fuel that can occur in a sinking, fire, collision, grounding, etc. This "green coverage" is important now that federal and state law subject boaters to liability for cleanup, containment, and environmental damage. This coverage is provided in addition to the policy's normal liability coveage. 854,400

Medical Payments -- Limit Each Accident

Covers out-of-pocket medical expanses for injuries occuring on board your boat.
1,000

Boat TrailerPersonal Effects

Coverage of non-boating related items you carry on board, such as cloting, cameras and fishing gear.

Uninsured Boaters Protection -- Limit Each Accident

Provides coverage for injuries caused by an accident that you are entitled to recover from the owner or operator of an uninsured boat or "hit-and-run" boat. 300,000

Commercial Towing Assistance - Each Incident/Annual Limit

Enables you to be reimbursed for the reasonable costs incurred when you breakdown at sea or on the road and need a commercial tow to port.
250/500

Total Premium 565.56
Credit No Loss 56.56
Net Annual Premium 509.00

Cruising Limits

There is no coverage outside of this area without Company's prior written permission)
U.S. PACIFIC COASTAL WATERS
Underwriting Company: THE CONTINENTAL CASUALTY COMPANY

seadaddler · Sep 15, 2011

Yes

I was asked all those questions of how long been boating and any classes and also my driving history.
Nick

gpd955 · Sep 15, 2011

The BoatUS quote did ask about driver's license and if you were involved in any vehicle or boat losses. The experience questions were general: How long boating (broken down to 0, 1-5, 5-10 etc.); what kind of classes (USCGAux, USPS, Other) and largest boat operated (0-18; 18-29; 30-36 i think was the breakdown).

Gunni · Sep 15, 2011

No. Here's why.

LuzSD · Sep 15, 2011

we were never asked anything about our ability or history with boating in any way.

Joe · Sep 16, 2011

Your marina will require certain minimum coverages and also adding them to the policy... make sure you understand those requirements when you request a quote. There is not normally a charge for adding the marina to the policy.

I was asked a few experience questions by Boat US.... but they never required verification.

gpd955 · Sep 16, 2011

Joe said:
Your marina will require certain minimum coverages and also adding them to the policy.

I had to add the marina, Trump Management and the State of NJ DEP to mine and a few companies wouldn't do it.

Also watch the year of the boat. My first was a 1979 and some companies won't insure older boats. Even though a 79 C30
isn't really that old in the grand scheme of things.

Rick D · Sep 16, 2011

If your driving record is poor, credit score is low or you have little residency stability, you could be tough to insure. Try Progressive.

Old Skool Neil · Sep 17, 2011

I made the switch from Progressive to Auto Club earlier this year. 3 1/2 times the coverage at 1/3 the cost. They sent out one of their reps to 'inspect' the boat (very casual, filled out a 2 sided form on features and condition) and take photographs. Simple as that.

Rick D · Sep 17, 2011

amaamold said:
Looks like i am going to have to wait until i get back to the states and call every insurance company i can find.

Back in the states??? Are you in the service? Try USAA.

sailcruiser · Sep 17, 2011

amaamold said:
I am working in Afghanistan as a contractor. I am a veteran though so i will give USAA a call.

USAA as I recall does boat loans and insures through a subcontract to Progressive. USAA is a good company. SC

Rick Webb · Sep 18, 2011

USAA will Underwrite Through Progessive

I am not sure about Progressive but you will want to make sure your policy covers salvage and environmental cleanup. Some "automobile" companies will write boat policies but do not cover salvage and envirnmental cleanup, you would end up paying for it were somthing to happen.

Check with the USAA website for contact info you could do this from where you are and not have to wait till you get back.

LuzSD · Sep 20, 2011

AAA x2

Old Skool Neil said:
I made the switch from Progressive to Auto Club earlier this year. 3 1/2 times the coverage at 1/3 the cost. They sent out one of their reps to 'inspect' the boat (very casual, filled out a 2 sided form on features and condition) and take photographs. Simple as that.

same here, we got a great price by adding our boat to our AAA auto and homeowners policy.....but I am going to look that policy over to be sure it covers all that we'd want if the worst happened.

Re: Brokers....If you are going to be in the Ventura area I could privately suggest who NOT to use.......in the DP area I know a few personally that I would expect to be very honest and helpful.