[C38] Insurance

[Charles]

Here is another story about insurance.  I had Boat US for 2-3 years with 
no claims (I have never made a boat claim in 40 years of sailing).  Boat 
US sent me a cancellation notice stating they had decided to not insure 
boats older than 20 years.  I immediately contacted them and after 
prolonged discussions and appeals was told they absolutely were not 
going to insure my boat.  I then started the "rounds" looking for 
insurance and shocked at some of the quotes!  I had been vice president 
of the Minnesota Fair Plan (property insurance) for a number of years 
and knew folks on the inside, but even this did not help....
I finally went with Progressive, who were easy to deal with and easily 
as competitive in terms of price.  Bad news was I had to arrange for and 
pay for a whole new survey of the boat ($500).  And then of course had 
to fix the inevitable issues discovered since my survey of 3 /12 years ago.
After all that trouble and frustration, Boat US later called me asking 
why I had left them and would I come back!!!!  I usually try my best to 
not "vent" on folks I am talking to on the phone as they almost never 
have made the decision that I am mad about or have the power to change 
things, but this poor guy got an ear full that day.  Especially when he 
told me that Boat US would take me back only if I got another survey as 
the one I just had (less than a year old) was not authorized by them.
I sail the Great Lakes.  No hurricanes.  Our boats are in the water less 
than half the year.  Yet, my rates are the same as folks in Florida and 
California....  While Boat US is clearly a major insurer of our 
industry, my experience is they are in the insurance business and act 
like any other insurance company.  And we should treat them as such.  
So, I am sticking with Progressive as their coverage is actually better 
than I could get from Boat US (I am covered in Canada where Boat US 
wanted an additional rider).  They also have not "ratcheted" my cost 
over the years (common practice by many companies with Allstate being 
know for this).

Charles Finn
Mighty Quinn #114
Great Lakes

Larry Malmberg wrote:
> I'm currently with Zurich but am looking for another policy on my boat, any
> suggestions?
>
>
>
>
> Best regards,
>
> Larry Malmberg-President
>
> Larry Malmberg Investigations and Security, Inc.
> 505 North Arrowhead Avenue - Suite 510
> San Bernardino, CA 92401-1200
> 909-383-8565, 800-655-4549 Facsimile 909-383-8566
> PI 15211, PPO 112446
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