[PUP] Offshore insurance

[paul@whooppee.com]

Scott,

I'm sure I had less experience than you, and some of my
crew had zero experience.  Yet I had no problems getting
insurance through Al Golden.  Give Al (Internation Marine
Insurance Services) a call.  I'd give you the number, but
I don't have it now that I'm boatless.

> 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
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