older fiberglass boat insurance

Howard:

Thanks for your note. I'm going to quote part of it before answering on
the list since it may be of general interest to the group:

>>Question: Assuming all things are equal; size, age, value, etc. is
>>there a difference in the way insurance companies view fiberglass,
steel
>>and aluminum hulls for used boats provided a survey reveals no existi=
ng
>>problems? My concern is aging fiberglass being susceptible to osmosi=
s
>>or core degradation.

To my knowledge all of the major companies rate metal and fiberglass boat=
s
equally. There are, however, differences in the way they handle surveys.

Most US carriers will accept in water surveys for fiberglass boats, but
require sonic gauging on metal hulls. While you may be concerned with
osmosis, the companies are generally not, since they exclude gradual
deterioration as a cause of loss, and the sinking of a plastic boat in
coastal waters due to delamination is not very likely.

Al Golden / International Marine Insurance Services

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