insurance renewal

[kamloops]

Looks like it's about time for a Insurance renewal thread.

My new Company says "Navigational Territory":
Pacific coastal waters including navigable tributaries, not north of 51 degrees north latitude nor west of Cape Scott, Canada and not south of Rio Santo Tomas, Mexico.

I'm away from my charts, does anyone know where they are talking about up North and how far west?

[rojo]

Tom: 51N is just north of the northern tip of Vancouver Is.,Cape Scott is at 129deg 30 min..hope this helps...Roger

[corrirod]

Cape Scott is the very Northwest tip of Vancouver Island.

D'oh, you beat me Roger!

[ 01-14-2004, 08:35 AM: Message edited by: corrirod ]

[kamloops]

Thanks Roger and Rod. :grin:

[Mark Mc]

It would be advisable to get real clear with the insurance company how many nautical miles offshore the coverage goes. Would you want to assume that the coverage is the same west long. as Cape Scott? Most policies I have seen specify miles offshore....

The more I think about it, something is missing. 129 deg 30' would be over 200 miles offshore from Newport. Does your coverage really go that far?

[ 01-14-2004, 10:33 AM: Message edited by: Mark Mc ]

[rojo]

OOPS should have been 128' 30. When I took a quick look at the chart on the wall I got off a little. northwest cape of Vancouver Is.

[Miss B Haven]

Don't look a gift horse (or insurance coverage) in the mouth. If they say Cape Scott is the westmost boundary then it's the westmost boundary. If you start poking them they might just change their minds.

200 miles is not all that far. Ask Popeye and the Swordboat crew! :grin:

[ 01-14-2004, 11:54 AM: Message edited by: Miss B Haven ]

[Miss B Haven]

Tom, Hey- that's 175 miles offshore one way right? About as far as I wanna be!

[Popeye]

Mel....Or you could go 136 miles offshore without insurance [img]graemlins/dork.gif[/img]

[Mark Mc]

Mel, I guess I don't see it as a "gift horse." I'd rather know the specific metric first, rather than find out after the boat sinks. I can't see what harm it would do to simply ask them, "how many miles offshore from the Oregon coast does my coverage apply"?

I can tell you for darned sure that any commercial boat or charter boat owner will know what that distance is, not some potentially vague figure like "the tip of Walrus Snot Point Canada."

[Miss B Haven]

Having a lat/long line is MUCH easier/better than a distance off the shore (or worse, mine is a radius from the "mouth of the CR", where's the "mouth"?. It's a lot easier to track a lat long on GPS than figure out a distance from shore. Sounds to me like these guys are smarter than the average bear (Insurance co). If you call the CG for help your position will be given and documented (per CG radio traffic) in lat/long (not distance from "shore")and the Insurance Co will know exactly whether you are in compliance. On the other hand, a distance from shore is subject to some interpretation.

Insurance companies are VERY careful about things like this. If they say 128 degrees they know exactly what they are doing. If on the other hand you call up and say gee, that 128 line is a horribly long distance for my boat to be offshore, you may get a "yes your right" answer.

Sorry about the length but I guess I disagree that there is any question about what they mean. I wish they all gave it like this.

Edit: Oh- I forgot they gave a location not a lat/long, but thats still better in my mind than a distance from point X. I may call them up and ask, what is your lat/long for that point you are refering to. I still wouldn't ask them to interpret a distance off shore since that varies relative to a lat line. If Kamloops get to 190 miles he would need to be concerned about exactly where on that point they mean. I'd rather be in that situation than worrying about whether I've pushed my 50 or 75 mile "radius" from the Mouth of the CR (and I am pushing it a lot)

[ 01-14-2004, 01:49 PM: Message edited by: Miss B Haven ]

[kamloops]

Mark, I sent you an E-Mail this AM.
It's kind of like calling Dell computers, you never know who you get or If they even know what in the heck a boat is.

[Mark Mc]

Mel, sorry if I wasn't more clear. I am saying the same thing, as far as being specific. All I meant was, the insurance company ought to say a specific line of longtitude, not a point on land. It seems ridiculous for a customer to have to figure out what the longtitude of a point is, to know what his limit is. Way the heck up there, if you estimate the longtitude, and you're off by a little way from what the ins. co. says is the right coordinate, that error becomes greater the farther south you go.

Several years ago a boat sank at the chicken ranch. I heard that the owner did not get an insurance payout. Now I'm not sure about this, but I heard the reason was that his insurance was only good to "25 miles" offshore.

Bottom line, that I think we all agree with, is to know for sure that wherever you go on the water, you are covered.

[Miss B Haven]

I guess we are saying the same thing. This touches a sore point for me. My Insurance covers me 365 days a year within a 25 mile radius of the Mouth of the CR (where ever that is). I got an extension to 75 miles free of charge, but it's only good until Sept 31 (I think it starts in May or might be June). They won't extend that date for love or money.

Think about it... I can cross the CR bar and go out 25 miles in Dec/Jan/Feb etc, but I can't run to the bottom reef (26 miles from the CR bouy) or do a normal Tuna run in October???? Argggghhh!!!

Miss B and the shopping for new Insurance this spring skipper! :grin:

[Reel Creel]

my is 75 miles west all year,I will dig out the papers and confirm what ive got. Im not sure but i think its is all year.

[kamloops]

Mel,

At best guess I can steam 350 miles at 7-10knots.
I can get out there but---- :shocked: [img]graemlins/dork.gif[/img]

[Lepper]

I belive mine is like 50 or 75 miles.. i'm through state farm..

either way.. I don't want to be 50 miles off shore in my boat..

[Miss B Haven]

Lepper- seems to be the norm for small boat insurance that you get though auto/home policy companies. They know you aren't going out there anyway in your 19-20 footer. I guess they don't read ifish much huh? :grin:

Yacht policies (through Marine Insurance Specialty Companies)are the ones that are picky. They seem to think I might try to go Swordfishing off the Oregon Coast or something!

[Reel Creel]

MB,
You need to go swordfishing with that nice toy you got. Ill pay for half the gas/diesel and food. :tongue:

[fishwhenican]

Don't trust your homeowners policy to cover much of anything, unless it is spelled out. Before I changed I asked specific questions. I found out that if I hit a log I was covered but not a wave swamping the boat. If I crossed the bar I wasn't covered, unless I hit a log or a boat while across the bar. Coverage inland was fairly good, but I didn't like that the first tuna trip I made, the boat wasn't covered. :blush:
My new policy covers out to 50 miles off shore and Canada, Alaska, and Mexico down to Acapulco and all of Baja. No coverage for liability in Mexico though. Get it in writing!!

[CAPT KUJO]

You might want to get a quote from these guys

Charter Lakes Ins.


CAPT KUJO