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Here′s what a typical yacht insurance policy looks like. Includes a checklist of things to consider when choosing a policy, a list of standard and optional exclusions, and a sidebar on how to make a claim.
[SailNet, 4 June 1999]
The author describes the process of negotiating for boat insurance and tells how he found a much better policy outside the marine insurance industry.
[Sail Jazz, Mount Pleasant, SC, USA]
How to learn what a policy will actually pay in case of damage or loss, starting with what questions to ask your insurance agent. 5 pages with a checklist of provisions and a comparison of 12 sample policies on each of two boats. Also a comparison of BoatUS and West Marine plans.
[Practical Sailor, 1 April 2003]
Grab bag of tips, commentary and examples of the types and costs of damage and liability insurance. Contains excerpts from hard-to-find bulletin board and newsgroup postings, as well as links to useful sites and vendor pages.
[Bill Dietrich, USA]
The ins and outs of your policy′s latent defects clause, and how to know whether to claim under it.
[Yachtsurvey.com]
A discussion board and photo gallery for cruising sailors and wannabes focused on various insurance issues for cruisers.
[Cruisers Forum, Buskerud, Norway]
Insurance rates and limits are up. How to find the best policy and keep it in force.
[Sail Magazine, October 2002]
Offers boat loans and leases, documentation and titling services, and boat insurance. Has offices in Massachusetts and Maryland.
[Russo Marine Financial Services, Inc., Medford, MA, USA]
Legal counsel for recreational & commercial boating with salvage, collision, accident, injury, Jones Act, contract and other maritime law matters throughout the United States. Free initial consultation.
[Akpinar Law Firm, Little Neck,, NY, USA]
The Yacht Policy from BoatUS, underwritten by CAN Insurance, covers "all risks" with additional coverage for fuel spill liability, uninsured boaters, and other risks. Includes 24-hour emergency assistance. A lower level of coverage is also available.
[BoatUS, Alexandria, VA, USA]
With 13 tons of momentum, our pointy-ended [steel] boat could sink something 10 times its size. We need liability insurance.
Geoff Payne
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