I have had ACE as my carrier for 10 years. Have had only one claim in 10 years – where they paid for keel / stub separation to be repaired!
That, by itself, “paid” for 10 years of potentially higher premiums (never actually shopped around) Jonathan – Indigo – 35MkIII – Southport CT _____ From: cnc-list-boun...@cnc-list.com [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of djhaug...@juno.com Sent: Friday, August 24, 2012 8:37 AM To: cnc-list@cnc-list.com Subject: Re: Stus-List c&c smile and insurance I got the insurance company wrong...Heritage is an Insurance broker. The actual Insurance company is ACE recreational marine insurance. Sorry for the confusion. Does anyone have Ace as their insurance company ---------- Original Message ---------- From: "djhaug...@juno.com" <djhaug...@juno.com> To: cnc-list@cnc-list.com Subject: Re: Stus-List c&c smile and insurance Date: Fri, 24 Aug 2012 01:28:12 GMT Okay, I had to chime in as I've decided on insurance. I got quote from BoatUS of $728 and a quote from Heritage Marine Insurance for $387. Heritage specializes in Old Yacht, namely old wooden yachts it seems. The coverage is better too. Boat US - Vessel and Equipment $19,400 - Liability $300,000 - personal effects $0 - Unscheduled Electronic Eqip. $0 - deductible $660 Heitage - Boat And Engine $20,000- Liability $500,000 - personal effects $10,000 - Unscheduled Electronic Eqip. $10,000 - deductible $750 It seems like a much better deal. Does anyone here use Heritage? Danny ---------- Original Message ---------- From: Oban Lambie <oban.lam...@gmail.com> To: "cnc-list@cnc-list.com" <cnc-list@cnc-list.com> Subject: Re: Stus-List c&c smile and insurance Date: Thu, 23 Aug 2012 18:47:49 -0600 Another perspective on boat insurance: I have a 29 mk1 which I purchased this spring. � It's a $10k boat in excellent condition and also in Long Island sound. �BoatUS quoted me $550 or so per year for coverage. I use Geico for my auto insurance and asked them for a quote as well. �They transferred me to another Berkshire Hathaway subsidiary called Seaworthy insurance that Geico is in cahoots with in some way. Seaworthy's quote was for $158 per year.� I reviewed both policies side by side, and though I'm not an attorney, they appeared identical. Same deductible, same coverages, same exclusions, same survey requirements. � I asked Seaworthy why they were so much less expensive and they said it was largely to do with my years of being with Geico and my never having made a claim - in addition to my 10+ years of boat ownership.� At any rate, I signed up with Seaworthy and my dealings to date have been totally pleasant. Their agents clearly know boats and dealing with the post-condition and value survey issues was very reasonable and pleasant.� Keep in mind that I drive like an old man and that I haven't broken a boat badly since I was in college, so I can't speak for how�Seaworthy deals with claims. But I'm damn happy to be paying so little for boat insurance! �- Oban Lambie Circe C&C 29 MK1 East Setauket, New York On Aug 23, 2012, at 1:52 PM, Joel Aronson <joel.aron...@gmail.com> wrote: Congrats! There was a recent thread on whether BoatUS was worth the extra money they charge. �If you are looking for inexpensive insurance start with your auto/home insurer, as there will be multi policy discounts. �Remember, most carriers will run a credit check and it will show as an inquiry on your credit report. Joel On Thu, Aug 23, 2012 at 3:45 PM, William Hall <wh...@alum.mit.edu> wrote: Western Long Island Sound, moving from Larchmont to Stamford. Thanks! On Thu, Aug 23, 2012 at 3:43 PM, Bill Coleman <colt...@verizon.net> wrote: > Boat US insurance, or ACE. There are several others who know boats, I am > sure others will chime in with their suggestions. �This Agent obviously > doesn't know much about sailboats. > > Did this boat used to reside in Bay City? �Where are you? > > Bill Coleman > C&C 39 > > > -----Original Message----- > From: cnc-list-boun...@cnc-list.com [mailto:cnc-list-boun...@cnc-list.com] > On Behalf Of William Hall > Sent: Thursday, August 23, 2012 3:38 PM > To: cnc-list@cnc-list.com > Subject: Stus-List c&c smile and insurance > > Hi List, > I just bought a C&C 37. > Everything I read tells me the C&C smile is just how it goes, and I've > seen the cosmetic repair section here. �Keel bolts look beautiful. > The inspector told me verbally that it's perfectly fine. > But in his written survey, he added this CYA material: > "I believe the keel to stub crack is fairing compound coming loose and > the normal separation due to expansion" > with recommendations: > "further investigate and repair as necessary" > > The insurance guy wanted the survey and has said coverage is > contingent on " further testing (ultrasonic) to determine whether or > not that crack is compromising the structural stability of the vessel. > " > > Has anyone any idea how ultrasonic testing could relate at all to this? > Can anyone point me to material that might convince the insurance guy > that there are less expensive means that will tell us more? > > Or maybe someone can just point me to a better boat insurance agent? > > Many thanks! > Bill > > _______________________________________________ > This List is provided by the C&C Photo Album > http://www.cncphotoalbum.com > CnC-List@cnc-list.com > > > _______________________________________________ > This List is provided by the C&C Photo Album > http://www.cncphotoalbum.com > CnC-List@cnc-list.com -- William D. Hall, Ph.D. 203 653 2886 <tel:203%20653%202886> �(o) 617 620 9078 <tel:617%20620%209078> �(c) wh...@alum.mit.edu _______________________________________________ This List is provided by the C&C Photo Album http://www.cncphotoalbum.com CnC-List@cnc-list.com -- Joel 301 541 8551 _______________________________________________ This List is provided by the C&C Photo Album http://www.cncphotoalbum.com CnC-List@cnc-list.com
_______________________________________________ This List is provided by the C&C Photo Album http://www.cncphotoalbum.com CnC-List@cnc-list.com
