Next message: Dave Cooper: "T&T: Boater ID"
On 11/1/07, Al Golden <> wrote:
>
> >>Is there a different rating for someone living aboard at a specific
> marina
> vs. someone cruising about without a permanent mooring?<<
>
> Not necessarily but, obviously, someone living aboard in the Chesapeake
> Bay
> region is going to pay less than someone cruising down the coast and down
> island.
>
> >>Seems that the difference between 'livaboard' & 'full time cruiser' is
> hair
> splitting.<<
>
> Not at all! The risks are quite different.
>
> >>How would I know all the expectations like this of the insurance
> company.
> Will they be supplying a check list of categories? For all I know, they
> expect livaboard to be spelled live-aboard and if I spell it wrong, my
> claim
>
> will be rejected. What I read in this is that your insurance companies
> will
> try anything they can to reject ALL claims and I will need a lawyer to
> fight
>
> any claim, no matter how legitimate.<<
>
> That looks an awful lot like insurance industry bashing. FWIW, Most
> insurance companies recognize that their very best form of advertising is
> in
> the way they handle claims. In the case of yacht policies, where the
> policy
> form is All-Risk, Agreed Value, Replacement cost it is exceedingly rare
> for
> a claim to be denied. HOWEVER, they do expect to have accurate information
> provided to them on their applications.
>
> Al Golden
> International Marine Insurance Services
> 1-800-541-4647
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