[PUP] Offshore insurance

[scottebulger@comcast.net]

I just got off the phone with Overseas Insurance, one of the companies recommended by Nordhavn.  I am currently with Zurich (purchased through Overseas).  When I advised Overseas I planned a departure this summer for a 2 year Caribbean cruise they said Zurich would not carry the policy, and that I should submit an itinerary and a boating experience resume for my wife and I.  They would then submit it to Loyds of London and see if they would write a policy.  I'm certain my wife and I don't have enough boating experience to satisfy them.  I am prepared to leave without insurance and simply "self insure".  

My question is this:  How many of you cruising couples have succeeded in acquiring insurance?  

Was this an instant process or did you have to "earn your stripes"?

Assuming you do NOT have insurance, have you been refused moorage at any marinas in the U.S., Central America, Mexico, or the Lesser Antilles?

Would it be possible to get a "Liability Rider" on my personal insurance that might substitute for Yacht Insurance.  I'm not concerned about insuring the boat against loss, but am concerned about liability.  One of the problems with a "Rider" is you have to have something for the policy to "ride" on.  Having sold the house, cars and other belongings, I'm not sure what I'd use as a base policy?  Any thoughts on this are welcome and appreciated!  Thanks, Scott