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From: Al Golden (no email)
Date: Thu Nov 01 2007 - 10:09:34 EDT
>>Right or wrong, there are finance and insurance co. that are biased
toward "live aboards".<<
Absolutely true! However they are far, far from being your only options.
You are clearly talking to the wrong brokers.
>>I am not a lawyer and do not know how having
or not having a 12 month contract with a marina changes the fact that
I am a full time cruiser.<<
A full time cruiser, quite obviously, is someone who does not have a slip
contract for any extended period, and is underway to someplace new, say 1/3
of the time.
>>I too am still wondering what the definition of liveabord is for
these co's.<<
A liveaboard is someone who has a permanent mooring address, and a job or
other obligation that keeps him tied to one spot most of the time. The
companies generally think of a liveaboard as someone who is living aboard
instead of in an apartment or house, with no other substantive changes in
lifestyle.
Al Golden
International Marine Insurance Services
1-800-541-4647
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