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Great rates on boat and yacht insurance United Marine Underwriters Admiralty Yacht Insurance Fast online boat insurance quote United Marine Underwriters provides quality boat and yacht insurance. We offer truly affordable rates for virtually any type of watercraft -- get an instant online quote now for your bass boat, runabout, cruiser, sail boat, houseboat, power boat, charter boat, mega-yacht and more! Whether you are a boat owner, or an insurance agent you'll appreciate our knowledge, expertise and personal service. If you have any questions about our boating insurance products or services that are not answered on our web site, please call our agent, Terry Clark at Dealers Insurance Services, 1-800-966-6909 |
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Sumerset Houseboat Insurance Program Attention Sumerset Owners! Check out the official insurance program for Sumerset houseboats. Confused about boat insurance? Boat insurance does not need to be confusing. Get an unbiased view on what you should know before you buy. |
The following is from an article that appeared in Heartland Boating Magazine. It offers advice on some important issues that should be considered before purchasing insurance for your vessel. United Marine Underwriters suggest that you contact us for specific information regarding your boat and available coverage's. Skimping on insurance could spell trouble by Capt. Fred Davis Boat insurance can be confusing. Boats may be insured for various coverage-- in various ways-- with various companies. Boat owners need to take the time to question and understand the insurance they are purchasing. In most cases, boat values (even small boats) are in the thousands of dollars. A few dollars saved on an insurance policy could jeopardize needed coverage. If your agent cannot thoroughly explain the coverage, ask to speak to a company representative who can interpret the small print. Boat owners should be aware of several aspects of boat policy coverage. Most, if not all, policies state, "It is the responsibility of the owner to immediately take all necessary action to protect the property from further damage when his boat is in peril." I have encountered insurance companies that would not cover the expense of recovery of a vessel because the vessel itself was not damaged. The insurance companies did not consider the fact that had the owner not taken protective action the vessel could have been a total loss. A service often questioned is removal from grounding. Some companies refer to removal from a hard grounding as towing. Towing could actually severely damage a grounded vessel. Others interpret, as they should, a hard grounding as salvage. To avoid further damage, special action is required. In most cases of wreck removal, a vessel owner is held responsible for the removal of a wreck or any debris. Some insurance companies pay all the cost of wreck removal; others do not cover wreck removal at all. Some may pay off a total loss claim on the boat but leave an owner responsible for the removal or any further liability caused by a wreck. If a wreck breaks up and its debris floats in the path of another vessel, causing damage to that vessel, liability can be extreme. In recent years, towing coverage has been added to most policies (usually to the nearest harbor). You need to carefully check your policy, however, because some companies offer no coverage for towing, especially for small boats. Towing coverage is important, because the Coast Guard no longer offers assistance towing if there is no danger to lives or property. The cost of towing by a commercial tower averages $100 to $150 per hour from the time the tow gets under way until the tow boat returns to its dock (port to port). Marine insurance coverage involves many other variables. Only too often, the insured has no idea what coverage they have until a claim occurs and it's too late to change. Insurance coverage is not an item you should skimp on. Pennies saved on a cheap policy could cost you your boat if you encounter a major claim. In addition, you could be left with a big bill to add to your problems. If you own a high-priced vessel, even though it's only a runabout, it would be wiser to purchase a yacht policy. Avoid adding it to your homeowners insurance. Many boaters spend a lot of money on a boat, then they buy the cheapest insurance they can find thinking they won't need it. They may feel secure, because they are well schooled on safe boating and proper navigation, but the unforeseen can happen and good insurance provides peace of mind as you enjoy your watercraft. -- Heartland Boating, March 2000 United Marine Underwriters - Admiralty Yacht Insurance offers policies with broad coverage's that protect you and your vessel... including salvage and towing coverage. |
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National Marine Underwriters Frequently Asked Questions What should I do if a hurricane is a threat to my boat? Article By: Tom Dove When Hurricane Bob was deciding where to go and the Chesapeake Bay was one possibility, many of us began to prepare our boats for the ultimate storm. A surprising number of others ignored the danger entirely. After seeing what happened to New England, we should think about our actions carefully. Your preparations will influence not only what happens to your boat, but to others around it. Several people in our marina took the fatalistic approach, saying, "If it hits, it hits. Nothing I can do will save the boat from a storm like that. That's why I carry insurance." That's fine for them to say, but what about me? If my neighbor's boat breaks loose, it will drift down on mine and destroy it. Is that fair? There is a nice little powerboat a few slips away that is secured by four pieces of clothesline, improperly cleated to the pier. With a five foot tide and winds over 60 knots, it would surely break free and wipe out three or four other vessels before sinking. Before a storm, I feel obliged to add lines to such casually maintained boats. Much of the damage from Hurricane Bob in the Cape Cod area was caused by a few boats breaking free and smashing into others. The storm hit at high tide, and the water level was some 10 feet above normal. That combination pulled moorings out of the bottom and drove boats up on piers. Those who survived had a combination of preparation and luck. The preparation was based on visualizing the effect of very high tides and making allowance for that in the mooring lines. The luck was being in a place where other boat owners did the same thing. Here are the nuts and bolts: When a storm threatens, decide first where to put the boat. If possible, haul it out and block it carefully in a place where trees and other boats cannot fall onto it. If you are close to a snug harbor with secure holding ground and you have several heavy anchors, you might want to move the boat there. Otherwise, study the layout of your marina. Look at the exposed end of the harbor. An intense low- pressure system, like a hurricane or a coastal storm from the Carolinas, generally goes to the east of the bay. The winds are generally easterly to northeasterly, although they may begin from the southeast. Turn your boat in the slip to face the storm winds and waves as much as possible. Set up spring lines to resist forces from the storm directions. Double the dock lines, so that one will remain if the other breaks or chafes through. Allow for an extremely high tide. Old- timers who rode out hurricanes on the bay can advise you how much the water level may rise in your area. Tie the boat so that you can adjust the mooring lines from the dock. If the water level rises and the boat is bouncing about, you will not be able to get aboard to slack the lines so it can rise with the storm tide. Put chafing gear on all the dock lines. A garden hose slipped over the end of the rope, or leather or canvas wrapped around it where it goes through the deck chock will prevent the line from wearing through during the storm. High tides and chafing of dock lines are the greatest dangers. I have watched a half-inch nylon rope wear away half of its diameter during an eight-hour storm. Do not underestimate this threat. Remove all canvas covers and loose items on deck and put them ashore or below deck. Take off bimini tops, sails, flags, boat hooks, deck chairs and similar items and stow them. Pump the bilges dry and close all through-hull fittings except those that drain the cockpit. Shut off the fuel supply line. Remove any loose items, such as lamps and vases, from surfaces in the cabin. After you have done everything possible for your own boat, check the ones around you, especially those to the east. Call the owners to let them know of the danger, if you can. If necessary, add dock lines to neglected vessels to protect your own. Finally, go home. Do not stay aboard. No boat is worth your own life. Bob was the first hurricane of the season, but probably will not be the last. We have been extraordinarily lucky for many years, and most of us have become complacent. Let's take a lesson from Bob and Hugo and minimize our losses. How do I report a claim? Claims should be reported by phone immediately to National Marine Underwriters at 1-800-BOAT-CLAims (1-800-262-8252) Important information to have is: Policy Number--should be in the format of a character followed by ##-###-###. This is located on your boat policy in the upper right corner (Policy/Reference Number); Current location of vessel; Vessel registration number. If there is ever a question on what to do about a claim and you are unable to reach the Claims Department, please read Section G - Duties Following a Losson your policy I just purchased a new boat. What do I need to do now? Call National Marine's Underwriting Department during normal business hours, Monday thru Friday from 8:30am till 4:30pm EST. A new purchase is not covered automatically. Your existing policy is not transferrable to the new boat I need to cancel my policy, what is the next step? Request for cancellation must be done in writing. The request must contain the policy number, the date, reason for cancellation, and signature of the owner. The effective date of the cancellation will be the postmarked date on the envelope, the date of your FAX, or any future date requested. My lien holder never got a copy of my policy, what should I do? Once National Marine receives payment on your binder they automatically send proof of insurance to the lien holder listed. If for some reason they do not have it on file, please call their Service Department during normal business hours. Plase have the phone number and loan number available, so they can call the bank. My non-payment cancellation date is the day my policy starts, why? Premium payment must be postmarked by the "Premium Due Date" as shown in block one (1) or the policy is cancelled effective the date shown in the "non-payment cancellation date" - block two (2). They give you 10 days to make the payment after the effective date. When do I need to send in my premium so there is no lapse in coverage? Premium payment must be postmarked by the "Premium Due Date" as shown in block one (1) or the policy is cancelled effective the date shown in the "non-payment cancellation date" - block two (2). They give you 10 days to make the payment after the effective date. Where is National Marine Underwriters located? National Marine's headquarters is located at: 410 Severn Avenue, Suite 207 Annapolis, Maryland 21403 What type of charter insurance does NMU offer? National Marine's Charter insurance program requires that the vessel be operated by a licensed Captain. There cannot be any more than six (6) passengers and no more than 3 crew including the Captain. Other restrictions may apply. My marina needs a certificate of insurance, what should I do? Supply National Marine with your policy number, the name of the marina and their address and they will issue the certificate right away. No certificate will be issued until the premium is paid in full. How do I change my address on my policy? You can FAX, mail or E-Mail your new address. Include the policy number, your new address and phone number. Be sure to let National Marine know if the location of your vessel has changed. |
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