Is Insurance Needed When Sailing or Racing Beachcats?
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- Rank: Mate
- Registered: Jun 09, 2011
- Last visit: Sep 04, 2017
- Posts: 109
Posted: Jul 02, 2013 - 09:56 AM
As a matter of fact John, I am going to be talking to AAA about moving my car and house to them this weekend and that will be one question that gets asked. It is still in my current policy but I do want to make sure it is in the new one also.
I have about $2k in Pooh Cat and full coverage would seem a bit of overkill, but if a storm were to blow it into another boat or camper I would want to know it was covered. I saw a bunch of cats flipped by a storm recently and although the boats sustained a lot of damage, none of them hit anything else. It did get me to thinking though.
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Mike Brady
Sugar Land, TX
Sailing off Magnolia Beach in Lavaca Bay TX
http://358degrees.blogspot.com/
P16 "Pooh Cat"
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- Rank: Mate
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Posted: Jul 02, 2013 - 10:20 AM
Let me know what you find out...
Thanks
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John Schwartz
Ventura, CA
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- Rank: Mate
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Posted: Jul 02, 2013 - 02:13 PM
Here is what most of you seem to be missing - It's not YOUR boat that you need to worry about if you are racing, It's that Damn ACR 22 or some other high dollar boat that you run over in that mess called the Pre Start Jockeying for position. You have 10-60 boats all in a congested area waiting on the gun. Sometimes shit happens and sometimes its your fault!! Remember you need to know all of the rules of the road when in that mess too. Just because you are on a Starboard Tack does not mean you have 'right of way'
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Lee - On the BIG Lake in MS
Harstil Kaulua 31 - Current Project Boat
Cal 25 - What ? Time to freshen it up again??
MC Scow 16 (1 in the water and 1 parts/project) SOLD
Capri 22 - What do you mean you wont deliver it??
Chrysler Pirateer 13 - new addition to the fleet
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- Rank: Lubber
- Registered: Jul 22, 2011
- Last visit: Jul 05, 2013
- Posts: 37
Posted: Jul 03, 2013 - 01:25 PM
How about a link to such rules of the road for a refresher?
Thanks! Curtis
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Prindle 18 aka Yellowtail. On the beautiful Mississippi gulf coast. Gautier / Independent Republic of Vancleave / Ocean Springs. Lot's to learn about these boats.
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- Rank: Master Chief
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Posted: Jul 03, 2013 - 04:31 PM
tons of resources online
http://www.fremontsailing…iling/BeginnersGuide.htm
http://www.youtube.com/watch?v=NqTiHosXkqQ
http://www.gslyc.org/PDF/…ES%20FOR%20BEGINNERS.pdf
If you are new, and want to race ... and don't know all the rules, you can (and should) still race.
Just let them know you are new, stay back and don't fight for position on the line, and you will probably learn more at every race than you will ever learn reading .... -
- Rank: Lubber
- Registered: May 26, 2011
- Last visit: Dec 16, 2014
- Posts: 81
Posted: Jul 04, 2013 - 09:43 PM
There is very limited coverage for a boat in a homeowners policy that is included at no charge ($1,000 in many instances). One could be easily disappointed if he assumes there is coverage on his homeowners. The statement about the car pulling it and it being damaged is usually incorrect. (Sorry to contradict.) The coverage the auto policy extends is usually for liability only, not damage to the boat. Most Homeowners will cover it for collision damage but, again, the limit may only be $1,000 whether it is wind or collision. Theft may have very specific limitations. By scheduling it and paying a premium, it is covered for it's market value and the perils are relatively broad.... "perils of the sea".....just about any thing accidental......I read policies that apply in several states, real exciting , eh?.
Don't expect a boat that is damaged to be covered unless it is scheduled on homeowners policy. Ask yourself this: Would I kick myself for not spending $30 or $70 a year on an item that is worth $4,000 after it is totaled? Costs are geographically specific.
As to Liability insurance on the boat: If your house has a mortgage higher than it's worth, your cards are all maxed, there is no money until next pay day, you are already being garnished .....you don't need liability. If you do, indeed, keep a few bucks in the bank, add money to a retirement account, etc.... you are classified as "collectable" in the eyes of an attorney. The liability premium is cheap when/if some joker decides he's "injured" and you are his lottery ticket.
It is worth a short conversation with your Homeowners agent.
Just my humble opinion; I could be wrong in a few cases, but that's the way many policies read. Racing has it's own set of rules.
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Mooched Beachcats in the past
Time to try ownership with Nacra 5.7
Port Clinton, Lake Erie Islands, Ohio
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- Rank: Lubber
- Registered: Jul 31, 2013
- Last visit: Sep 27, 2013
- Posts: 25
Posted: Aug 13, 2013 - 01:38 PM
I have to agree that for the price you can't beat it. For not a whole lot extra you can add towing insurance for your boat and trailer, so if you break down on land or water there are no worries. I've found that I tend to sail the boat harder knowing that if I destroy it, I will probably get more than what I paid for it:)
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Vince
Houston, TX
1982 prindle 16 - became a parts boat shortly after purchase. "The Crackling Hullflyer"
1984 prindle 16 - current boat "Blew By You"
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