Announcements
New Discussions
Previous Thread
Next Thread
Print Thread
Rate Thread
Hop To
Cat insurance #113511
08/03/07 05:23 PM
08/03/07 05:23 PM
Joined: Jun 2001
Posts: 33
Florida
rquesada Offline OP
newbie
rquesada  Offline OP
newbie

Joined: Jun 2001
Posts: 33
Florida
Hey guys I've just received my insurance bill for my boat , a Hobie 20, State Farm raised my premiun 41 % for no reason whatsoever (never had a claim or anything like that).
I have requested a quote from Boat R US and it is a real rip off.
I am paying $ 240 under my present State Farm coverage and would like to continue in the same rage, any suggestions for insurance coverage ?
Thanks guys

-- Have You Seen This? --
Re: Cat insurance [Re: rquesada] #113512
08/03/07 06:27 PM
08/03/07 06:27 PM

A
Anonymous
Unregistered
Anonymous
Unregistered
A



I insured my F16 through US Sailing for $246. All online, no hassle for a one design class. Only took a few minutes. I forget whether US Sailing membership was required.

Mark.

Re: Cat insurance [Re: rquesada] #113513
08/03/07 06:38 PM
08/03/07 06:38 PM
Joined: Feb 2006
Posts: 3,348
F
fin. Offline
Carpal Tunnel
fin.  Offline
Carpal Tunnel
F

Joined: Feb 2006
Posts: 3,348
Progressive.

Re: Cat insurance [Re: ] #113514
08/03/07 06:43 PM
08/03/07 06:43 PM
Joined: Feb 2004
Posts: 3,528
Looking for a Job, I got credi...
scooby_simon Offline
Hull Flying, Snow Sliding....
scooby_simon  Offline
Hull Flying, Snow Sliding....
Carpal Tunnel

Joined: Feb 2004
Posts: 3,528
Looking for a Job, I got credi...
Quote
I insured my F16 through US Sailing for $246. All online, no hassle for a one design class. Only took a few minutes. I forget whether US Sailing membership was required.

Mark.


But the F16 is not a one design class <img src="http://www.catsailor.com/forums/images/graemlins/confused.gif" alt="" />


F16 - GBR 553 - SOLD

I also talk sport here
Re: Cat insurance [Re: scooby_simon] #113515
08/03/07 07:20 PM
08/03/07 07:20 PM

A
Anonymous
Unregistered
Anonymous
Unregistered
A



Correct. What I should have said is that US Sailing's insurance company accept the F16 as part of their "One Design Program". I believe this was a result of the US F16 Association gaining recognition by US Sailing as an organized class.

Re: Cat insurance [Re: rquesada] #113516
08/03/07 08:41 PM
08/03/07 08:41 PM
Joined: Nov 2005
Posts: 5,582
“an island in the Pacifi...
hobie1616 Offline
Carpal Tunnel
hobie1616  Offline
Carpal Tunnel

Joined: Nov 2005
Posts: 5,582
“an island in the Pacifi...
Old guys can use AARP/The Hartford and tack it on to the homeowners policy.


US Sail Level 2 Instructor
US Sail Level 3 Coach
Re: Cat insurance [Re: hobie1616] #113517
08/03/07 09:05 PM
08/03/07 09:05 PM
Joined: Mar 2006
Posts: 1,246
Orlando, FL
tback Offline
veteran
tback  Offline
veteran

Joined: Mar 2006
Posts: 1,246
Orlando, FL
Like Tiki said ... Progressive. I just made a claim, very quick, couretous and happy to fill my claim. You can sign up on-line AND they know what an F16 is!


USA 777
Re: Cat insurance [Re: tback] #113518
08/03/07 10:37 PM
08/03/07 10:37 PM
Joined: Feb 2005
Posts: 4,118
Northfield Mn
Karl_Brogger Offline
Carpal Tunnel
Karl_Brogger  Offline
Carpal Tunnel

Joined: Feb 2005
Posts: 4,118
Northfield Mn
Progressive doesn't list Hobie as a manufacturer. Wierd huh?

Re: Cat insurance [Re: rquesada] #113519
08/03/07 10:59 PM
08/03/07 10:59 PM
Joined: Mar 2005
Posts: 471
NC
D
drbinkle Offline
addict
drbinkle  Offline
addict
D

Joined: Mar 2005
Posts: 471
NC
Is it a possibility that you have a deductible decrease provision within your policy? State Farm includes this on some of their policies.

Re: Cat insurance [Re: drbinkle] #113520
08/04/07 05:44 AM
08/04/07 05:44 AM
Joined: Mar 2006
Posts: 1,246
Orlando, FL
tback Offline
veteran
tback  Offline
veteran

Joined: Mar 2006
Posts: 1,246
Orlando, FL
same with progressive ..25% reduction per year when no claims are made.


USA 777
Re: Cat insurance [Re: rquesada] #113521
08/04/07 08:38 AM
08/04/07 08:38 AM
Joined: Aug 2005
Posts: 2,921
Michigan
PTP Offline
Carpal Tunnel
PTP  Offline
Carpal Tunnel

Joined: Aug 2005
Posts: 2,921
Michigan
USAA which then uses progressive. No problems so far, but no claims.

Re: Cat insurance [Re: PTP] #113522
08/06/07 08:33 AM
08/06/07 08:33 AM
Joined: Dec 2001
Posts: 5,590
Naples, FL
waterbug_wpb Offline
Carpal Tunnel
waterbug_wpb  Offline
Carpal Tunnel

Joined: Dec 2001
Posts: 5,590
Naples, FL
Couple of points:
- Check what value you are using for your cat/trailor.
- Check if it is a "replacement cost" or "actual cash value" policy. It makes a premium difference (because what they pay for damage differs)

- If you can fix the boat yourself, get a "liability only" policy which is very cheap (comparably) because it doesn't cover the loss of your boat (fire, theft, etc), or damage to it caused by you (if you hit something)

NEVER go without liability insurance, because if you hit me, I'll find the best ambulance chaser I can and take your car, house, future wages, weed-eater, garbage disposal, Christmas tree lights, and yard gnome.... <img src="http://www.catsailor.com/forums/images/graemlins/smirk.gif" alt="" />


Jay

Re: Cat insurance [Re: drbinkle] #113523
08/06/07 09:16 AM
08/06/07 09:16 AM
Joined: May 2003
Posts: 576
BobG Offline
addict
BobG  Offline
addict

Joined: May 2003
Posts: 576
Which leeds to the next aspect of insurance for the older "Millenium Falcon Class of Cat",that still have value and are not allowed on the race course without acceptable insurance (which is understandable).Who is writing the policies for older boats.Makes it kind of hard to come to an event if you cannot get insured. One design only insurance is all that really is ever talked about. <img src="http://www.catsailor.com/forums/images/graemlins/confused.gif" alt="" />

Re: Cat insurance [Re: BobG] #113524
08/06/07 10:19 AM
08/06/07 10:19 AM
Joined: Aug 2005
Posts: 2,921
Michigan
PTP Offline
Carpal Tunnel
PTP  Offline
Carpal Tunnel

Joined: Aug 2005
Posts: 2,921
Michigan
Quote
Which leeds to the next aspect of insurance for the older "Millenium Falcon Class of Cat",that still have value and are not allowed on the race course without acceptable insurance (which is understandable).Who is writing the policies for older boats.Makes it kind of hard to come to an event if you cannot get insured. One design only insurance is all that really is ever talked about. <img src="http://www.catsailor.com/forums/images/graemlins/confused.gif" alt="" />

you cna get insurance for almost anything. When I got insurance for my 6.0 through boatus I don't think they knew what the heck they were insuring. If you tell them how much insurance you want (if you are getting full coverage) for xxx dollars they will give it to you.

Re: Cat insurance [Re: BobG] #113525
08/06/07 10:22 AM
08/06/07 10:22 AM
Joined: Feb 2006
Posts: 3,348
F
fin. Offline
Carpal Tunnel
fin.  Offline
Carpal Tunnel
F

Joined: Feb 2006
Posts: 3,348
Ask for a liability only quote, or low value and high deductible.

Mostly, you need to talk to someone who knows what a sailboat is, i.e. US Sailing, Boat US or Progressive.

Last edited by Tikipete; 08/06/07 10:24 AM.
Re: Cat insurance [Re: rquesada] #113526
08/06/07 01:52 PM
08/06/07 01:52 PM
Joined: Sep 2004
Posts: 75
Clearwater, FL
S
stevefisherkeller Offline
journeyman
stevefisherkeller  Offline
journeyman
S

Joined: Sep 2004
Posts: 75
Clearwater, FL
I've had Progressive Insurance for years, last renewal was $254 for the year. I did have one claim about 5 years ago they paid on after doing a little research, had to get them a price list from England and the cost of a Smythe main. I sail a Dart20 and that time had a Smythe main that was torn, mast dented... when the boat was picked up off the beach by the remnant weather of a water spout that showed up off of Clearwater Beach. We did a reenactment for the weather channel that I heard is still playing.


Steve Fisherkeller
P19MX
Re: Cat insurance [Re: waterbug_wpb] #113527
08/06/07 02:37 PM
08/06/07 02:37 PM
Joined: Feb 2005
Posts: 4,118
Northfield Mn
Karl_Brogger Offline
Carpal Tunnel
Karl_Brogger  Offline
Carpal Tunnel

Joined: Feb 2005
Posts: 4,118
Northfield Mn
Quote
I'll find the best ambulance chaser I can and take your car, house, future wages, weed-eater, garbage disposal, Christmas tree lights, and yard gnome.... <img src="http://www.catsailor.com/forums/images/graemlins/smirk.gif" alt="" />


My old man told me when I started driving that if I hit a pedestrian to make sure and kill him/her. Even if I had to hit em' again. Prison is far less costly than a good lawyer. Out in 3 on good behaviour and you still have all your stuff. Be careful who you sue.

Re: Cat insurance [Re: Karl_Brogger] #113528
08/06/07 03:19 PM
08/06/07 03:19 PM
Joined: Dec 2001
Posts: 5,590
Naples, FL
waterbug_wpb Offline
Carpal Tunnel
waterbug_wpb  Offline
Carpal Tunnel

Joined: Dec 2001
Posts: 5,590
Naples, FL
Quote
Quote
I'll find the best ambulance chaser I can and take your car, house, future wages, weed-eater, garbage disposal, Christmas tree lights, and yard gnome.... <img src="http://www.catsailor.com/forums/images/graemlins/smirk.gif" alt="" />


My old man told me when I started driving that if I hit a pedestrian to make sure and kill him/her. Even if I had to hit em' again. Prison is far less costly than a good lawyer. Out in 3 on good behaviour and you still have all your stuff. Be careful who you sue.


I like your thinking! <img src="http://www.catsailor.com/forums/images/graemlins/smile.gif" alt="" /> I guess everyone would win in that case. Family would get life insurance, estate would get your yard gnome (for wrongful death), and the killer would be out in 3....

You know, that actually doesn't sound as bad as a lifetime defending myself in court....


Jay

Re: Cat insurance [Re: rquesada] #113529
08/06/07 04:30 PM
08/06/07 04:30 PM
Joined: Jun 2001
Posts: 33
Florida
rquesada Offline OP
newbie
rquesada  Offline OP
newbie

Joined: Jun 2001
Posts: 33
Florida
Thanks guys for all the input; I will call progressive and see how it goes.


Moderated by  Damon Linkous 

Search

Who's Online Now
0 registered members (), 399 guests, and 86 spiders.
Key: Admin, Global Mod, Mod
Newest Members
Darryl, zorro, CraigJ, PaulEddo2, AUS180
8150 Registered Users
Top Posters(30 Days)
Forum Statistics
Forums26
Topics22,404
Posts267,055
Members8,150
Most Online2,167
Dec 19th, 2022
--Advertisement--
Powered by UBB.threads™ PHP Forum Software 7.7.1