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(no email)
Date: Tue Jul 13 2004 - 16:28:28 EDT
Hi, Pascal!
I asked my insurance broker that question, and he gave me what appear to be legitimate excuses:
1. Cooking aboard a boat greatly increases the chance of fire / explosion. As a liveaboard, you'll most likely be doing a lot of cooking on the boat...and this increases the risk that an accident might occur...
2. As a liveaboard, you're likely to have friends / guests over more often than if the boat isn't your home. This increases the insurer's liability.
3. Insurance underwriters can be a petty lot, and are simply jealous of your chosen liveaboard lifestyle. They won't insure you...simply out of spite.
I'm not sure about #3, but there might be a bit of truth to the first two.
Sincerely,
-Robert Doty
www.SleepingWithOars.com
>
> From: "Pascal Gademer" <>
> Date: 2004/07/13 Tue PM 03:11:45 EDT
> To: "LIVE_ABOARD" <>
> Subject: Re: lv-ab: Insurance
>
> why would an insurer not want to insure a live aboard. if anything, it
> reduces risks as a live aboard boat is not left unattended for extended
> period of time and is likely to be well taken care of in case of a storm or
> huricane...
>
> just curious...
>
> pascal
>
> ----- Original Message -----
> From: "Al Golden" <>
> To: "LIVE_ABOARD" <>
> Sent: Tuesday, July 13, 2004 1:39 PM
> Subject: RE: lv-ab: Insurance
>
>
> > Page 4 of their Application asks a number of underwriting questions.
> > Number 2. is "Are any of the watercraft listed used as a primary
> > residence?" Each of the questions asks you to initial the "yes" or "no"
> > questions, and any "yes" answer disqualifies you from their coverage.
> >
> > Therefore it would seem that if you own or rent another residence where
> > you get your mail, that's your legal residence for voting, and/or for
> > your Drivers License, you might be alright with their policy, such as it
> > is. The part that bothers me is their language, i.e. "...used as A
> > primary residence" (not "...YOUR primary residence"). Can you have more
> > than one?
> >
> > I prefer to settle those issues by staying away, not in a court of
> > law....
> >
> > Al Golden
> > International Marine Insurance Services
> > 800-541-4647 - toll-free
> > 410-827-3757 - vox
> > 410-827-3758 - fax
> >
> >
> >
> >
> > || -----Original Message-----
> > || From:
> > || [mailto:] On
> > || Behalf Of Sue and Don
> > || Sent: Monday, July 12, 2004 11:03
> > || To: LIVE_ABOARD
> > || Subject: Re: lv-ab: Insurance
> > ||
> > || Al
> > ||
> > || Do you know what would count as liveaboard to Progressive?
> > ||
> > || If we cruised extensively for months each year, but
> > || maintained a permanent residence ashore then would that
> > || count as being a liveaboard as far as Progressive is concerned?
> > ||
> > || Thanks,
> > ||
> > || Don.
> > ||
> > || On Fri, 2 Jul 2004 08:49:09 -0400, Al Golden
> > || <> wrote:
> > || > Eric et al:
> > || >
> > || > Be VERY CAREFUL!!!
> > || >
> > || > Progressive does not, and will not cover liveaboards. So
> > || if you're
> > || ___________________________________________________________
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> >
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> >
> >
>
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