[alberg30] Insurance

[John Brugeman]

From: "John Brugeman" <johnbrugeman at ameritech.net>

I've had my Alberg insured with BOAT/US for three years now and find them
the cheapest.  However, they did ask for a compleat survey because of its
age (1968).
-----Original Message-----
From: SandersM at aol.com <SandersM at aol.com>
To: alberg30 at onelist.com <alberg30 at onelist.com>
Date: Friday, October 15, 1999 2:07 PM
Subject: Re: [alberg30] Insurance


>From: SandersM at aol.com
>
>I bought my A30 quite unexpectedly, and had to scramble for insurance.  The
>first place I called was BOAT/US, and they insured it without difficulty.
I
>have no idea whether BOAT/US's premiums are high or low in price for the
>policies they write.  As a general rule, though, I would not compare policy
>premiums by themselves as a way of deciding whom to use.  Insurance
policies
>cover all sorts of risks in all sorts of ways, and their deductibles and
>policy exclusions and loss limitations all affect the premium -- as, for
that
>matter, does the geographical location in which you find yourself, and the
>cruising range for which you are insuring your vessel, and your own
>experience as a yachtsman.
>
>The market for insurance is pretty competitive.  In theory, at least, you
>shouldn't find too great a disparity for premiums among insurers for
>comparable policies in the same region.  The better course is to shop based
>on the underwriter's track record in processing and paying claims.  As for
>this, I have no earthly idea who is good and who is not.  As I said, the
>circumstances of my purchase drove me to buy the first policy I could find.
>Happily, I've never had occasion to find out first-hand how any marine
>insurer handles its claims.  Does anyone have any experience with BOAT/US
in
>this respect?
>
>Sanders McNew
>WILD ELF  (# 297)
>New York City
>
>>

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