Boat Insurance - Peace of Mind for Your Marine Adventures
By John Gibb
As with all vehicles a boat is legible for an insurance policy, under the Marine Insurance Act. While some small boats kept on your premises can be covered by home insurance, Marine insurance can cover not just a seafaring boat but also the goods, as throughout marine history ships have been lost with very expensive cargoes aboard, due to the dangerous nature of sea voyages.
Boat insurance is often cheaper than car insurance especially for a small boat. A comprehensive plan will cover damage to the hull, the machinery and the parts. It is also worth checking if the plan covers theft, injury and any specialist equipment on board like fishing tackle.
Insurance varies a lot depending on the boat. Narrow boats, speedboats, dinghies, yachts, rowing boats and motorboats all have different systems for working out a quote. A fibreglass boat (usually GRP, glass reinforced plastic), like most speedboats, is in a higher insurance band than a wooden or steel boat such as a narrow boat. This is because fibreglass hulls can be damaged or dented very easily while steel hulls for example are very hard to cause any significant damage to. You can get cheaper insurance for diesel powered boats, as they are less likely to explode, and also for using coast guard approved fire extinguishers. A certification in a boat safety course may also reduce insurance.
It also depends on where you intend to sail the boat. The boat will be in a different insurance category depending on whether you intend to sail it in canals (least expensive), rivers, lakes and tidal waters (more expensive) and the ocean.
There are also insurance policies for special circumstances. You can have a boat insured for damage while it is being built, or for a vessel sailing into a war zone or terrorist associated waters, or for specific cargoes such as highly perishable goods that may fail due to delays.
About the author
John Gibb is the owner of Boat insurance guidance
For more information on the Boat insurance check out http://www.boat-insurance-guidance3k.info
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Tips About sea ray jet boat
Today, the most common sailboat is the sloop which features one mast and two sails, a normal mainsail and a foresail. This simple configuration is very efficient for sailing towards the wind. The mainsail is attached to the mast and the boom, which is a spar capable of swinging across the boat, depending on the direction of the wind. Depending on the size and design of the foresail it can be called a jib, genoa, or spinnaker; it is possible but not common for a sloop to carry two foresails from the one forestay at one time (wing on wing). The forestay is a line or cable running from near the top of the mast to a point near the bow. In Bermuda, where a rig design influenced by the Lateen rig appeared on boats and came to be known as the Bermuda rig, a large spinnaker was carried on a spinnaker boom when running down-wind. An example of a typical sloop can be seen on the Islander 36.
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Various maintenance should be carried out on your boat on a regular basis, whether you own a dinghy, RIB or yacht. Some of this maintenance is to keep the boat looking good, but some is essential for the proper working of your vessel. Don't forget about regular maintenance checks as you could be building up for major problems.
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Once on the road to buying a boat, marine finance and boat insurance must be something to which you give serious thought. There are two ways that you can obtain fianance the first is via a Marine Mortgage which is more suitable for boats in excess of �10,000 , the second is via a Marine Loan which is more suitable for the smaller boats or for refitting boats. Insurance and registration of your boat will normally be required by the finance company.
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Some Boating, Sailing And Marine Stories
Yacht Moquini tragedy, official finding.
Tue, 10 Oct 2006 16:31:30 +0200
The sailing yacht Moquini which went missing during the Mauritius to Durban yacht race a year ago and lost all crew has been examined and the official report has been announced.
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Advance Notice of Arrival (ANOA) for cruising yachts required in some countries.
Mon, 8 Oct 2007 21:35:44 +0200
Countries around the world are fast changing existing regulations or activating new regulations regarding Advance Notice of Arrival (ANOA) for yachts. These regulations are currently being applied with little notice so it is imperative that there be a central database that is constantly updated for cruisers to refer to.
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Turkey To Asia - Summer 2008, Sailing Crew Wanted.
Mon, 3 Mar 2008 10:21:38 +0200
I am looking for crew to help sail my boat to Asia this year. I usually sail single handed but am getting bored with my own company. The boat is a steel Van Dam Nordia Ketch. You do not need to be particularly experienced but some prior offshore sailing would be useful. Join the boat in Turkey in the spring. There are 3 separate cabins and 2 heads. We have dive gear and a compressor on board and will be diving along the way. All you need is a contribution towards your own food and drink. Genuine, happy and interesting people only please.
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