Welcome to Maxx Adventure Travel
Hunter Sail Boat Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Sail Boat Insurance
from: Maxx Adventure TravelA sail boat is an investment. Therefore, like your car, motorcycle or house, it should be insured. Sail boat insurance is, in fact, in some states required by law. There are, however, differences between insuring your car and insuring your boat. The major difference is the amount of coverage a policy provides. The most common variables are the type of boat, the insurance company and the location of the boat. In selecting the company you'll want to be careful you obtain all the coverage you need together with any savings that could lower your premium.
When you first start to look for an insurance agent or broker, keep this in mind. There are two distinct types of insurers: domestic and overseas insurers. The overseas group is considered more liberal regarding coverage for extended navigation. The local group, however, will be easier to access and research.
It's important to do the research before obtaining any type of sail boat insurance. Investigate the companies on line and through friends. Examine their credentials, record and integrity. Ask questions, review their information and take quotes to compare at your leisure. Don't allow yourself to be rushed, or pushed, into what's a legal and binding contract.
Beyond the actual consideration of companies, there are the issues of coverage. What do you want covered by your sail boat insurance? The following can be considered a shopping list: motor, trailer and boat cover damage; physical damage, theft, physical damage, liability and docking coverage.
A sail boat policy, unlike that governing a car, can also be tailored to cover certain pieces of equipment found or employed on board. In this category are such things as sails, riggings, anchors, communication devices and on board electronics used for navigation. The rationale behind permitting this type of coverage by the company is the essential role they play in the proper operation of a sail boat.
You should also see the sail boat insurance policy covers the people who are on board, those who use it. Medical coverage is essential to running a safe and healthy environment on board. Accidents can and do happen so it's best to be prepared, not only with a first aid kit but also the appropriate amount of coverage. At the same time, be aware medical coverage has a top end beyond which you'll be expected to pick up the tab. With accidents, be aware of what you're liable for and how much your policy will cover.
The best advice you can follow, is to first, choose an A-rated or respected insurance company checking their references to be sure and, second, read and understand your policy, its words and content. Only then can you make an informed decision.
Hunter Sail Boat News
Voyage to the 'front line' of global warming
When Cameron Dueck set sail to the Canadian Arctic to witness what he calls "the front line of climate change", he did so knowing he would have to brave seas that have killed scores of sailors and reduced men to cannibals.
Read more...FEW CLUES IN SAIL RACE DEATHS
It could take up to several weeks for Coast Guard investigators to determine what ripped a yacht to shreds during a race near San Diego over the weekend, presumably killing all four crew members onboard.
Read more...Round-the-world racers, hunkered down in Miami, hope to rev up interest in sailing
Recreational sailing is a sinking ship in the United States, but events like this month’s Volvo Ocean Race could help turn things around.
Read more...Redondo Beach Skipper Still Missing After Fatal Yacht Crash
The skipper aboard the yacht that crashed off the Coronado Islands Saturday morning remains missing today. The bodies of the three other crew mates have been recovered. The apparent collision occurred during the annual Newport to Ensenada race and left the 37-foot Aegean "smashed to pieces." [ more › ]
Read more...Yacht racing: Things can 'go bad quickly'
In his 30-plus years of racing sailboats in the open seas, John Busch is certain of one thing. "When things go bad out there," he says, "they go bad quickly." Orange County's boating community and sailors throughout Southern California remained puzzled and saddened Monday...
Read more...Water world: exploring Lake Nicaragua
Kevin Rushby visits an artists' colony on the vast Lake Nicaragua then heads down the San Juan river in search of caimans and a lizard with divine powers View a slideshow of the trip here 'You know about Jesus Christ?" asks Don Pedro in a whisper, the beam of his headtorch strafing the riverbank. I nod. It's a filthy black night. It's raining. We are on a big fast river, the Rio San Juan, in the ...
Read more...