[Public-List] Insurance and Albergs

[Gordon Laco]

Hello David - congratulations on acquiring the boat.

I don't really have any relief to offer other than to say that the insurance
cost and survey rate seem about right to me.

It is normal for any insurance company to make a new survey a condition of
coverage - and they will require another survey every five years.  On one
hand it is a pain to shell out the money; but on the other it really doesn't
hurt to have a professional do an impartial examination for you
periodically.

With regards to the survey - you would be well advised to find a person who
understands older boats.  I have seen otherwise good boats hurt with regard
to insurance issues by an unsympathetic an ill-informed surveyor.  There are
some things about a late '60's boat that should be considered 'normal' that
might be characterized as a problem in a new boat. (wiring standards is one
issue...)  Ask around where you live for advice re who to go to.  If there
are other classic plastic yachts there knock on their hull & ask who they
like.  We've all been through this and I think you'll find advice and
recommendations (and warnings) are easy to garner.

Good luck - 

Gord #426 Surprise


On 15/08/11 10:39 AM, "David Glotfelty" <glotfeltys at gmail.com> wrote:

> Good Morning Fellow Alberg Owners,
> 
> Well I just finishing buying boat 412 (1971) from Tom S here on the list.  I
> went to Kentucky to see it - fell in love and convinced him to trailer it here
> for sale.  He and a friend did a great job getting it up here (Flag Harbor).
> 
> Now I'm starting to get a little tight. The amounts I allocated, for
> transport, USCG transfer, a years slip, state taxes, and bottom painting are
> paid. My son and I got the bottom painted with two coats of Micron CSC and she
> is looking good.  I'm told I need insurance by the marina which is fine - Boat
> US quotes $334 for the Chesapeake but now - Boat US wants a new marine survey.
> I tried Allstate as Tom had insurance with them but they would not insure a
> boat that old.  Hey coming from a 52 year old - forty is not that old!
> 
> Anyway the marine surveyor in my area wants $450 for a survey ($15 per ft) and
> just broke an appointment for tomorrow morning.  So I'm out a days leave as
> well.  I won't name names with the guilty party but when I break an
> appointment with less then a days notice - well what's new there eh?   Even
> the cable guy does it. Anyway, US Boat has a liability only coverage but even
> then wants a survey.
> 
> So any recommendations?  Reasonable surveys?  Good insurers?  Somebody that is
> all in one?
> 
> Thanks - if I'm solvent enough after all this my next check will be to join
> the Association.
> 
> Dave Glotfelty (and son Kevin)
> owners of Shadowfax  BRANDYWINE, MD
> ( As soon as the USCG sends back the docs & makes it official - Hull 412.
> Feel free to add to the spreadsheet )
> 
> PS - Thanks for all the good paint advice too!
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