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Boating Article Of The Month

Boat Insurance

By Alison Cole

One of the supreme delights that a person can obtain is by possessing his own boat. It takes us to the past when adventure on the high seas was a real experience and man was the complete ruler of his dominion as a commander of his ship.

At present there are few places where a common man can be master and leader of his own fate, but a boat is one of them. But possessing a boat is not without peril or cost. Boat insurance is necessary for shielding such an expensive asset.

The two chief aspects of boat insurance are legal responsibility, or security and insurance; and property loss. In some respects, they are managed the same way as automobile or home policies.

When an individual insures his boat for liability, it guards an individual against harm to another person's assets brought about by the boat. It also has provisions for lawful protection, in case one is charged for something that is protected under the boat insurance.

However, there are certain delicate differences from an automobile policy when it comes to loss and damage insurance. The characteristic coverage for loss is either 'actual cash value' (ACV), or 'agreed upon' value.

Boat insurance, which is �agreed upon� for worth, has a money amount printed in the policy, which is the sum, compensated for complete loss. Limited damages are restored at 'for new' prices, implying that there is no reduction imposed, apart from high wear matter like sails, and some machinery. This is the extra-costly alternative to cover a boat.

An authentic cash value policy indicates that if a boat is a complete loss, one will obtain the existing market price, not including the deductible, and suitable reduction for the age and state of the boat during loss.

About the author

Boat Insurance provides detailed information on Boat Insurance, Cheap Boat Insurance, Motor Boat Insurance, Boat Insurance Online and more. Boat Insurance is affiliated with Trip Cancellation Insurance.
Article Source: http://EzineArticles.com/?expert=Alison_Cole

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Some Boating, Sailing And Marine Stories

Australian Sailing Yacht Cowrie Dancer In Trouble In Southern Ocean, Australian and South African crew aboard

Wed, 2 May 2007 18:05:16 +0200
The Antarctic research vessel SA Agulhas is steaming through rough seas in the Southern Ocean to rescue the crew of an Australian sailing yacht, Cowrie Dancer, after its mizzen mast broke and a crew member was washed overboard in a storm with swells of between five and eight meters. A South African crew member, Carol Erasmus, 32, of Uvongo on the KwaZulu-Natal South Coast, was unhurt but exhausted on Tuesday after the ordeal, which took place about 700 nautical miles south of Port Elizabeth. The two other crew members, both Australian, were injured.

Details .....

Nearly 70 percent of Top 100 are MICD

Fri, 05 Dec 2008 21:20:45 GMT

" Of the100 marine dealerships recently named to Boating Industry magazine's "2008 Top 100 Dealers" list, nearly 70 percent were Marine Industry Certified Dealerships, the National Marine Manufacturers ...

Sailing crew for Whitsundays Islands, Australia To Png And Solomons.

Sun, 25 Nov 2007 11:47:46 +0200
Cutter sloop 13.4 Meters and master/owner require sailing crew for great passage and cruising. Share food costs (about 15-20 Aus dollars per day). Own cost to join yacht. No experience necessary. Galley and light deck duties.

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40' - 45' Bluewater Cruiser?!

Fri, 24 Oct 2008 19:10:48 +0200
I'm looking to purchase my first sailboat and I am in need of some guidance. I was leaning towards a steel or aluminum hull but most do not have a swim step and walk through transom. It sounds kind of odd but the is a top criteria for me. Three reasons: it is easier to land big fish, it is easiers to board from a tender, and I have a dog who loves the water and if she jumps I need to get her back aboard somehow. Do you know of any steel hulled sloop or cutter rigs that have a walk through transom and a swim step?! I am looking at the 40'-45' range.

Full discussion ....

Sailing crew wanted for English Channel to Gibraltar.

Wed, 23 May 2007 14:19:28 +0200
I am set to go sailing the English Channel to Gibraltar in June and July 2007. If you have an interest and time contact me.

Details ....


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