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Doryman
Joined: 03 Oct 2006
Posts: 3807
City/Region: Anacortes
State or Province: WA
C-Dory Year: 2006
C-Dory Model: 255 Tomcat
Vessel Name: Lori Ann
Photos: Lori Ann
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 Posted: Sat Mar 13, 2010 4:51 pm Post subject: Ace Insurance |
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Several folks on the Trawlers list have been saying favorable things about Ace for their yacht policies. I am currently insured with Markel, through Anchor Marine in Bellevue, but Ace's marine division is represented by an agent here in Anacortes so I am going to check that out at renewal time. Ace is apparently a large international insurer based in Switzerland.
Just FYI.
Warren
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Doryman
M/V Lori Ann
TomCat 255, Hull #55, 150 Yamahas
Anacortes, WA
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JamesTXSD
Joined: 01 Mar 2005
Posts: 7481
City/Region: from island boy to desert dweller
State or Province: AZ
C-Dory Year: 2007
C-Dory Model: 25 Cruiser
Vessel Name: "Wild Blue" (sold 9/14)
Photos: Wild Blue
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| Posted: Sat Mar 13, 2010 6:25 pm Post subject: |
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Oh... I thought this had to do with playing blackjack... in the words of the great Emily Litella: nevermind.  |
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NORO LIM
Joined: 24 Apr 2008
Posts: 887
City/Region: Olympia
State or Province: WA
C-Dory Year: 2006
C-Dory Model: 23 Venture
Vessel Name: NORO LIM (sold 12/12/14)
Photos: NORO LIM
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| Posted: Sat Mar 13, 2010 9:06 pm Post subject: |
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Warren,
I, too, have insurance through Markel - about the only carrier I could find that would insure a small boat through Canadian and Alaskan coastal waters. I have no complaints, except it's a little pricey. Let us know what the Place with the Friendly Hardware Man has to say.
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Bill, Formerly on NORO LIM
2001 CD 16, 2001-2006
2006 CC 23, 2006-2014 |
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Don and Brenda
Joined: 22 Feb 2009
Posts: 588
City/Region: Camano Island, Wa
State or Province: WA
C-Dory Year: 2011
C-Dory Model: R-27 Tug
Photos: C-Quest
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| Posted: Sat Mar 13, 2010 9:18 pm Post subject: |
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| I had ACE on my previous boat, yacht policy with price about 400, when i bought the C-Dory they wanted over 600, so switched to Chubb. I never had a claim, however when I canceled my policy they were very prompt to send my refund. |
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Da Nag
Joined: 24 Oct 2003
Posts: 2832
City/Region: Port Angeles
State or Province: WA
C-Dory Year: 1995
C-Dory Model: 25 Cruise Ship
Vessel Name: Wilbur
Photos: Da Boats
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| Posted: Thu Mar 18, 2010 1:41 pm Post subject: |
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| NORO LIM wrote: | | I, too, have insurance through Markel - about the only carrier I could find that would insure a small boat through Canadian and Alaskan coastal waters. |
I read the above last week, and it raised a red flag for me - I've been with Progressive for many years, and I know many other C-Brats have been as well.
I knew my existing WA policy stated waters within 75 miles of the continental US and Canada were covered, but my policy is up for renewal next week - so I just called Progressive. I was informed those terms have not changed.
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 Will, C-Brat Nerd |
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Doryman
Joined: 03 Oct 2006
Posts: 3807
City/Region: Anacortes
State or Province: WA
C-Dory Year: 2006
C-Dory Model: 255 Tomcat
Vessel Name: Lori Ann
Photos: Lori Ann
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| Posted: Thu Mar 18, 2010 2:14 pm Post subject: |
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For me, one of the major issues was whether the carrier would write riders to cover me in Mexico or the Bahamas. The agent told me that Markel would and that Progressive wouldn't. There were other factors as well, but that was a major one.
Warren |
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patrick and linda
Joined: 28 Mar 2006
Posts: 953
City/Region: somerset
State or Province: KY
C-Dory Year: 1986
C-Dory Model: 27 Cruiser
Vessel Name: "Fan-A-Sea"
Photos: Misty Seas
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| Posted: Thu Mar 18, 2010 2:43 pm Post subject: |
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hello capt. da nag,
if your policy is with progressive insurance and you have an interest of extending your cruise beyond the 75 mile off u.s. coastal waters, you can apply for the "coastal navigation endorsement" once applied, that rider will change the 75 miles to 125 miles! same restrictions, off u s waters including canada, bahamian waters, puerto rico, virgin islands, and guam.
if any one finds this message of value, i will consider a cold beer as full payment.
best regards
pat
fit and trim, healthy, wealthy and wise! |
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NORO LIM
Joined: 24 Apr 2008
Posts: 887
City/Region: Olympia
State or Province: WA
C-Dory Year: 2006
C-Dory Model: 23 Venture
Vessel Name: NORO LIM (sold 12/12/14)
Photos: NORO LIM
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| Posted: Thu Mar 18, 2010 2:43 pm Post subject: |
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| Da Nag wrote: | . . .
I knew my existing WA policy stated waters within 75 miles of the continental US and Canada were covered, but my policy is up for renewal next week - so I just called Progressive. I was informed those terms have not changed. |
I don't know about Progressive - can't remember whom all I contacted about going to Alaska - but sometimes "continental" is used as shorthand for "lower 48" or "contiguous."
I would just caution anyone going North to make sure of their coverage, if insurance is important to you. Much better to ask the specific hard question before, rather than after. ("Yes, your policy does cover flooding from broken pipes, just not those pipes.") |
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Don and Brenda
Joined: 22 Feb 2009
Posts: 588
City/Region: Camano Island, Wa
State or Province: WA
C-Dory Year: 2011
C-Dory Model: R-27 Tug
Photos: C-Quest
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| Posted: Thu Mar 18, 2010 3:44 pm Post subject: |
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| Most places when one say Contenental US that is the lower 48. My policy is written giving me the dates I can travel ie year round Canada south of Pt Hardy then from I think it is April can travel Alaska, so make sure you read the fine print of the policy. |
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Larry H
Joined: 02 Nov 2003
Posts: 2041
City/Region: Tulalip,
State or Province: WA
C-Dory Year: 1991
C-Dory Model: 22 Cruiser
Photos: Nancy H
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| Posted: Thu Mar 18, 2010 4:32 pm Post subject: |
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I have used Allstate for my C-Dory since 1991 and now for my trawler.
They cover both US, Canadian, and Alaska waters. Good for coastal cruising from the Puget Sound thru SE Alaska.
Premiums have been acceptable and I have no experience with their claims dept, as I haven't had any.
_________________
Larry H
A C-Brat since Nov 1, 2003
Ranger Tug 27 ex 'Jacari Maru' 2017 - 2022
Puget Trawler 37 ex 'Jacari Maru' 2006-2017
1991 22' Cruiser, 'Nancy H'--1991-2006 |
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Da Nag
Joined: 24 Oct 2003
Posts: 2832
City/Region: Port Angeles
State or Province: WA
C-Dory Year: 1995
C-Dory Model: 25 Cruise Ship
Vessel Name: Wilbur
Photos: Da Boats
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| Posted: Thu Mar 18, 2010 4:39 pm Post subject: |
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| Don and Brenda wrote: | | Most places when one say Contenental US that is the lower 48. |
While I agree people often use "Continental US" with the intention of excluding AK, such usage is not technically correct. As mentioned earlier, "contigious" would be the proper term.
Still, I considered this when calling Progressive, and was informed they use the term correctly - to them, Continental US includes AK.
Regardless, you make a good point RE the "fine print" in the policy details - I just downloaded my policy, and it contains the following, which confirms what the representative told me. And in fact, it includes Hawaii as well - which makes sense, as Progressive writes boat policies in all 50 states:
| Quote: |
POLICY PERIOD AND TERRITORY
This policy applies only to accidents and losses occurring during the policy period shown on the declarations page and which occur within:
1. a state, territory, or possession of the United States of America, or a province or territory of Canada, including their in-land lakes, rivers, and navigable waterways;
2. the Great Lakes; or
3. ocean waters 75 nautical miles or less from the coast of either the United States or Canada, but not including the territory or territorial waters of any country other than the United States or Canada |
Additionally, with respect to Warren's comments about Mexico - here's what my Progressive policy says about that:
| Quote: | INSURING AGREEMENT - MEXICO COVERAGE
In addition to the territory specified in Part VIII - General Provisions, if you pay the premium for Collision Coverage and Comprehensive Coverage, coverage under this Part IV shall apply to any loss meeting the requirements for coverage under this Part IV that occurs within any state, territory, or possession of Mexico, including ocean waters within 75 nautical miles of its coast. Payment for any loss covered under this Part IV that occurs in Mexico will be made in the United States. If a covered watercraft must be repaired in Mexico in order to be returned to the United States, we will pay only for those repairs that must be performed in Mexico in order to return the covered watercraft to the United States and we will not pay more than the reasonable cost for such repairs usually charged at the nearest port of call in the United States where the repairs could have been made.
This Mexico Coverage does not apply if liability insurance from a licensed Mexican insurance company is not in force at the time of loss.
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petemos
Joined: 22 Mar 2008
Posts: 162
State or Province: NS
C-Dory Year: 2007
C-Dory Model: 22 Cruiser
Vessel Name: C-You-Later
Photos: C-You-Later
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| Posted: Thu Mar 18, 2010 10:39 pm Post subject: Ace Insurance |
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I'm using Allstate and they are insuring the boat and I even keep it in Canada in the summer. They are charging me about $500, and it includes towing, $10K for electronics + $15K motor and $40K hull, with replacement coverage. Now I have never filed a claim, so who knows whether they will give me a hassle if/when I do, but it’s seems good to me.
Anyone ever have Allstate and have any problems with Canada or the policy in general?
Thanks Jim |
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