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From: Al Golden (no email)
Date: Thu Nov 01 2007 - 10:22:43 EDT
>>Do the companies you represent charge more for full time cruisers?
Would
they define that as a livaboard?<<
There are circumstances where additional coverage is indicated, such as
Personal Liability where they charge for that of course. Other areas
that may be affected could be in losing a lay-up credit that you'd
otherwise might receive. There is no company that I'm aware of that
surcharges simply for the fact of living aboard without providing some
additional benefit.
>>What is your experience? Do you wink at the issue as mentioned in
the one of
the posts or do you not find this an issue with your companies?<<
WE DON'T EVER, EVER WINK AT THE ISSUE! In a large agency like ours,
where we represent nearly all of the major marine insurers, we simply
get quotes for folks in the companies that we know will accept the risk.
>>Do the companies vary in this regard?<<
Yes, of course.
>>Who are they, please?<<
Well I've already mentioned Markel and Zurich, both of whom have
specific programs for liveaboards or cruisers, and who will also accept
the same risks in their standard yacht programs.
Al Golden
International Marine Insurance Services
1-800-541-4647
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