Boat Insurance - Peace of Mind for Your Marine Adventures
By John Gibb
As with all vehicles a boat is legible for an insurance policy, under the Marine Insurance Act. While some small boats kept on your premises can be covered by home insurance, Marine insurance can cover not just a seafaring boat but also the goods, as throughout marine history ships have been lost with very expensive cargoes aboard, due to the dangerous nature of sea voyages.
Boat insurance is often cheaper than car insurance especially for a small boat. A comprehensive plan will cover damage to the hull, the machinery and the parts. It is also worth checking if the plan covers theft, injury and any specialist equipment on board like fishing tackle.
Insurance varies a lot depending on the boat. Narrow boats, speedboats, dinghies, yachts, rowing boats and motorboats all have different systems for working out a quote. A fibreglass boat (usually GRP, glass reinforced plastic), like most speedboats, is in a higher insurance band than a wooden or steel boat such as a narrow boat. This is because fibreglass hulls can be damaged or dented very easily while steel hulls for example are very hard to cause any significant damage to. You can get cheaper insurance for diesel powered boats, as they are less likely to explode, and also for using coast guard approved fire extinguishers. A certification in a boat safety course may also reduce insurance.
It also depends on where you intend to sail the boat. The boat will be in a different insurance category depending on whether you intend to sail it in canals (least expensive), rivers, lakes and tidal waters (more expensive) and the ocean.
There are also insurance policies for special circumstances. You can have a boat insured for damage while it is being built, or for a vessel sailing into a war zone or terrorist associated waters, or for specific cargoes such as highly perishable goods that may fail due to delays.
About the author
John Gibb is the owner of Boat insurance guidance
For more information on the Boat insurance check out http://www.boat-insurance-guidance3k.info
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A Motor Cruiser is a type of Motor Boat which has been permanently fitted with accommodation for overnight stays. It is primarily used for holidays where overnight accommodation will be needed. Normally fitted with beds or bunks and often with a shower or a bath. Motor Cruisers are powered entirely by a motor as suggested by the name. Prices vary from under �10,000 to well over �150,000, depending on the size and accommodation provided. Jeanneau and Bayliner both have a range of affordable motor cruisers
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A major component of an inflatable boat is obviously the fabric. Inflatable boat fabric technology has evolved greatly over the last 20 to 30 years, and now includes plastomers, polyurethanes and other fabrics, which can sometimes be stronger, lighter, thinner and less expensive to assemble than the original rubber fabrics. Of course it costs a great deal of money to develop new fabrics or even to switch manufacturing processes to use them. Many manufacturers, big and small, don't have the will or the resources to do this, and that's why they generally hide that fact by resorting to condemning new technological advances in fabrics.
Most of today's modern inflatable boats easily match conventional runabouts for speed and handling, while some of the more sophisticated rigid-hulled inflatables are clearly superior to ordinary fiberglass or aluminum boats. For instance, the Virage range of sports boats features Zodiac's patented Futura speed tubes to produce amazing lift and stability. Because the Futura hull merely kisses the water, it creates less drag and thus requires less power to reach incredible speeds while performing with absolute safety. The big rigid-hulled inflatable superboats are equally impressive. With deep V-keels up forward and flat planing sections aft they can produce an astonishingly comfortable ride in tough offshore conditions, yet maneuver with ease in the tightest dock or harbor.
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What if you come upon a boatload of refugees while cruising?
Sun, 15 Jul 2007 15:53:52 +0200
So, you're sailing along happily on your 40' yacht (just you and your wife), some 200 miles from the nearest landfall and you see a boat ahead. As you get closer you notice that the vessel is lying very low in the water and the people aboard are waving their arms frantically. As you approach you see that the vessel is very close to sinking and there are about 20 men aboard - obviously a boatload of refugees. It appears that the boat is going down fast.
Full discussion ....
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