T&T: Full Time Cruiser or Livaboard?

[Jerry Berndt]

Well I started this with my reply to R. Lee, and must defend what I  
said.

The key words below here are "and are now cruising full time".  I  
never implied directly or indirectly to lie or falsify any statement.

We are in the same boat, pardon the pun, and am selling our house and  
buying a boat to cruise. The advice, repeated by me, was given by one  
very helpful insurance broker after outlining to him and several  
other finance co. and insurance co. what we were doing and being  
turned down by these co. I had been using the term "living aboard  
full time". After taking his advice, and using the term "cruising   
full time" magically these same people would talk to me.

Right or wrong, there are finance and insurance co. that are biased  
toward "live aboards".  I am not a lawyer and do not know how having  
or not having a 12 month contract with a marina changes the fact that  
I am a full time cruiser.

I too am still wondering what the definition of liveabord is for  
these co's.

Planing on cruising full time..

Jerry Berndt


On Oct 28, 2007, at 8:13 AM, Ownyacht at aol.com wrote:

> For those of you that have given up the house and are now cruising  
> full
> time, do you consider yourselves to be full time cruisers or  
> livaboards?
>
> Some insurance policies specify no livaboards. I wonder what their
> definition of livaboard would be if one had a large claim?