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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

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More Info On water jet boat

Jet Ski became foremost the colloquial term for stand-ups because, in 1973, Kawasaki was responsible for a limited production of stand-up models as designed by the recognized inventor of Jet Skis, Clayton Jacobson II.[2] In 1976, Kawasaki then began mass production of the JS400-A. JS400s came with 400 cc two-stroke engines and hulls based upon the previous limited release models. It became the harbinger of the success Jet-Skis would see in the market up through the 1990s. In 1986 Kawasaki broadened the world of Jet Skis by introducing a two person model with lean-in "sport" style handling and a 650cc engine, dubbed the X-2. Then in 1989, they introduced their first two passenger "sit-down" model, the Tandem Sport (TS) with a step-through seating area.
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Weekender yachts are slightly larger, sub-30-feet (9.5 m) in length. They often have twin keels or lifting keels such as in trailer sailers. This allows them to operate in shallow waters, and if needed "dry out"�become beached as the tide falls. The hull shape (or twin-keel layout) allows the boat to sit upright when there is no water. Such boats are designed to undertake short journeys, rarely lasting more than 2 or 3 days (hence their name). Of course, in coastal areas long trips may be undertaken in a series of short hops.
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Before 1990, personal watercraft emissions were unregulated in the United States. Many were powered by two-stroke cycle engines, which are smaller and lighter than four-stroke cycle engines but much more polluting. Simple two-stroke engines are lubricated on a "total loss" method, mixing lubricating oil with their fuel; they are estimated to exhaust in excess of 25% of their fuel and oil unburned in addition to the products of incomplete and complete combustion.
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Boating, Sailing And Marine Stories

Sailing Crew Wanted For 50' Cat Delivery - Cape Town To Bvi

Sat, 20 Oct 2007 20:19:50 +0200
Looking for sailing crew for a Voyage 500 delivery. I am hoping to leave the first week in December from Cape Town and doing a direct trip to Tortola aprox. 34 days. You will have to find your own way to Cape Town and from Tortola. All expenses on board will be covered food etc. Perfect for getting sea-time.

Details ....

Sailing through the Panama Canal - lessons learned.

Sat, 23 Jun 2007 17:55:05 +0200
We had heard a bunch of horror stories about sailing a yacht through the Panama Canal, but we just went across last week and had no problems. If you are doing the transit from North to South (Caribbean to Pacific), here are some tips:

Full discussion .....

Sailing Crew needed - N Z To Fiji May 08

Sat, 3 May 2008 16:27:09 +0200
1/ Boat; 46 foot Alloy swing keel GARCIA Sloop, Rolls Royce of cruising yachts, fully equiped with everything & everything works perfectly; launched 2001

2/ Depart; from Wangerai NZ, you join boat there, we arrive Savu Savu Fiji. you leave the boat there (and so do I) I need one other person only, so total on board will be 2. I will need help with putting all the sails and gear back into order on the boat and taking them off at the other end as the boat is laid up on the ground now and will be left the same way in Fiji. this takes about 2 casual days.

3/ Crew; is responsible for travel expenses to and from port of arrival and port of departure

4/ Trip duration; 7 to 9 days, departure date betwean may 7 and 12 weather permitting

Full details: ...

Water Treatment For Tanks On Yachts and Boats in general.

Sat, 18 Aug 2007 14:04:16 +0200
Tony Herrick from Cruising Connections asked whether this product was worth considering for the boating industry. The product is made in S Africa and is approved by the SA Burough of Standards and in use by the local Military amongst many other govt. and semi-govt. organizations and private groups. The retail cost for the water treatment would be in the region of about US$20 per 1,000 liters of water. The best for me is that this treatment is odourless and tasteless (Chlorine and bleach free). Please give your comments.

Full discussion ...

MBY writer Dag Pike leads Round Britain

Oldest man in the race is leading the race.