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Boat Insurance - Which One for You?

By John Gibb


You might not have realised it, but boat insurance is the oldest kind of insurance there is. People have been insuring their boats since the 17th century, and over time a number of standards have arisen. The chances are, though, that you�re probably much more familiar with car insurance � so the good news is that car insurance and boat insurance are actually very similar.

Basically, there are three situations you can be insured against: your boat (or its cargo) being damaged, your boat sinking, and your boat hitting another. Although few countries make it a requirement that your boat must be insured (considering how many boats sail in international waters), you would be very wise to at least buy the third party insurance, in case you hit a boat that is very much more valuable than your own. You will probably find it quite unnecessary to insure your boat against total loss unless it is very valuable � it is mainly practical for large ships, and especially for ones carrying valuable cargo.

As with car insurance, policies come with an excess to discourage small claims � for boat insurance, this is usually quite a large sum of money, as the intention of the insurance is to cover you against substantial losses instead of just scratches and dents.

There are also a few kinds of insurance you can buy that are unique to boating, although it is unlikely that you will ever find yourself in need of them. If you get Increased Value insurance, your policy will pay out at your boat�s market value if it is more than the amount you insured it for � only useful if you expect your boat to go up in value. Finally, if you�re thinking of sailing into a warzone, you might want to get war risk insurance. Of course, you might also want to get your head checked out, if you know what I mean.

About the author

John Gibb is the owner of boat insurance guidance , For more information on boat insurance please check out http://www.boat-insurance-guidance3k.info
Article Source: http://EzineArticles.com/?expert=John_Gibb

More Info On com pac sailboat

Ketches are similar to a sloop, but there is a second shorter mast to the stern of the mainmast, but forward of the rudder post. The second mast is called the mizzen mast and the sail is called the mizzen sail. A ketch can also be cutter-rigged with two headsails.
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Jet boat engines come in two varieties � inboard and outboard. Regardless of the type of motor, the jet system consumes about 30% of the engines horsepower while taking in the water and accelerating it out the back. A 50HP outboard fitted with a jet unit will make about 35HP at the nozzle. Other typical combinations you see are 25/20, 60/40, 90/65, 115/80, 150/105, and 200/140.
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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.


Boating, Sailing And Marine Galore

Sailing west across the Indian Ocean from Australia?

Fri, 22 Dec 2006 23:33:59 +0200
Tony Herrick has published two new marine ebooks covering the sailing passage across the Indian Ocean. 1) "Indian Ocean Crossing Notes - East to West and West to East". 2) "Cruising the Islands & Atolls of the Mozambigue Channel" And of course his ebook "Welcome to Durban - A Sailor's Guide" - to assist sailors to make safe landfall in South Africa.

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Anti mosquito arm bands

Sun, 8 Oct 2006 22:41:44 +0200
New anti mosquito/insect arm bands which are safe for children and safe around foodstuffs to combat Malaria infection.....

Details



This new product has proved an effective way to repel mosquito's (and insects) and reduce the probability of getting mosquito borne diseases.



The product is an excellent NON-TOXIC device, using only naturally occurring herbs and spices — Pine, Lavender and Mint Oil fragrance concentrate.



Contains no DEET - N, N-diethyl-methylbenzamide (formally known as N, N-diethyl toluamide) extract of any kind.



Due to its non-toxicity it is perfectly safe for children of all ages and safe around food products.



Currently it is widely used in West Africa (Guinea), Asia and the Pacific Rim.



Lasts greater than 120 hours when exposed to air, but can be resealed to prolong useful life.



Waterproof, easy to use, 1-size fits all.

Boom Brakes & Preventers, Preventing Injuries.

Thu, 20 Dec 2007 16:32:21 +0200
Not wishing to pre-empt the findings of the investigation into the latest tragedy in the ARC rally. But taking a good hard look at preventing injuries from being hit specifically by booms:-



During racing, the controlled gybe manoeuver may be performed many times without the use of a boom preventer - this is understandable. However, when in a cruising mode and when setting a course for a distant destination, is there a good reason for not using a boom preventer, so that if an unplanned gybe occurs - possible injury is averted ????

Full discussion ....

Freestanding Rigs And..., ... other non traditional approaches.

Thu, 8 Nov 2007 21:05:13 +0200
If anyone's interested in a quick and pretty convincing overview of the value of freestanding rigs, I guess that you could do a lot worse than talk to Eric Sponberg who's not only enthusiastic and clearly knowledgeable but also has a pretty straightforward writing style - I understood nearly every word first time round so ...

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Gifts to Delight the Boater in Your Life

If you aren't sure what to give the boater in your life, try giving the gift of knowledge. Boating books and magazines make the perfect gifts because they are...


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Labels: 25 foot sailboat | el toro sailboat | hunter 23 sailboat

posted by Tjalk @ 6:00 PM