| Sail boat insurance policies can be custom fit to suit | | | | able to take the helm. |
| the 19' Trailerable sailboat to the 46' Custom Motor | | | | It's also a good idea to appreciate the extent of the |
| sailor and able to offer a multitude of comprehensive | | | | coverage on offer. Is the insurance a agreed value |
| packages and competitive prices. A standard sailing | | | | policy (sum insured is agreed on at the time of |
| vessel insurance package often includes such | | | | arranging the insurance) or actual cash value (insured |
| essentials as Physical damage (hull and machinery), | | | | value is calculated on the age and condition at the time |
| Liability, Medical expenses, Personal effects, and Oil | | | | of a loss). All of the points just mention can have a |
| leaks. | | | | dramatic impact on how a future claim is settled and |
| To be able to track down the most competitive | | | | the resulting compensation in the event of a loss. |
| package it can often help to use the services of one | | | | Quotes often feature a choice of deductible amounts; |
| of the reputable marine brokers or agents. This takes | | | | with the higher the deductible figure the more |
| the hassle out of the search for the most appropriate | | | | affordable the annual premium will be. Opt for a |
| insurance coverage. The agents are able to compare | | | | deductible amount that's able to combine a great |
| multiple sailboat insurance policies from the largest | | | | premium with a deductible amount that the policy |
| insurance providers with ease. This will in most cases | | | | holder can afford to pay in the event of suffering a |
| return the best deals on offer. | | | | loss. |
| Once those quotations are put before you its crucial to | | | | Its also wise to plan ahead. Does the policy offer |
| known the coverage on offer is adequate to protect | | | | flexibility in the coverage offered, such as is the |
| the sailing vessel in all situations. Before accepting a | | | | intention there to compete in local club races or |
| quote take a moment to review the terms, conditions, | | | | meetings or to hire the vessel out on a skippered or |
| and exclusions. | | | | bareboat charter, and can the cruising area be |
| Some of the important questions to ask when | | | | extended for a one off trip to an island at a later date. |
| reviewing the policies are - does the insurance stipulate | | | | Those are just a few of the possible add-ons that |
| a off-season or lay up dates, is the mast, spars, sails | | | | might be required at a later date. |
| and rigging covered, and if covered is it full cover or is | | | | Whether its a entry level day sailor or a offshore |
| it just two-thirds of the value covered. Is the cruising | | | | racing sloop in need of coverage there are a variety |
| area sufficient for the planned sailing trips and who is | | | | of sail boat insurance plans to assist in offering |
| allowed to be in control of the vessel, is it just the | | | | tailor-made cover to suit the specific needs at hand. |
| insured or is anyone with boating handling experience | | | | |