T&T: Full time cruiser or liveaboard

[Keith]

I've had a liveaboard policy through Al with Markel. The only difference was 
the personal liability coverage, which was pretty minimal in cost in 
relation to the cost of the entire policy. There's no sense in trying to 
"put one over" on your insurance company... you may likely find yourself not 
covered in the event of a claim.


Keith
_____
You start with a bag full of luck and an empty bag of experience. The trick 
is to fill the bag of experience before you empty the bag of luck.
----- Original Message ----- 
From: "Al Golden" <Al at IMIScorp.net>



>  >>Do the companies you represent charge more for full time cruisers?
> Would
> they define that as a livaboard?<<
>
> There are circumstances where additional coverage is indicated, such as
> Personal Liability where they charge for that of course. Other areas
> that may be affected could be in losing a lay-up credit that you'd
> otherwise might receive. There is no company that I'm aware of that
> surcharges simply for the fact of living aboard without providing some
> additional benefit.