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Boat Insurance - Which One for You?

By John Gibb


You might not have realised it, but boat insurance is the oldest kind of insurance there is. People have been insuring their boats since the 17th century, and over time a number of standards have arisen. The chances are, though, that you�re probably much more familiar with car insurance � so the good news is that car insurance and boat insurance are actually very similar.

Basically, there are three situations you can be insured against: your boat (or its cargo) being damaged, your boat sinking, and your boat hitting another. Although few countries make it a requirement that your boat must be insured (considering how many boats sail in international waters), you would be very wise to at least buy the third party insurance, in case you hit a boat that is very much more valuable than your own. You will probably find it quite unnecessary to insure your boat against total loss unless it is very valuable � it is mainly practical for large ships, and especially for ones carrying valuable cargo.

As with car insurance, policies come with an excess to discourage small claims � for boat insurance, this is usually quite a large sum of money, as the intention of the insurance is to cover you against substantial losses instead of just scratches and dents.

There are also a few kinds of insurance you can buy that are unique to boating, although it is unlikely that you will ever find yourself in need of them. If you get Increased Value insurance, your policy will pay out at your boat�s market value if it is more than the amount you insured it for � only useful if you expect your boat to go up in value. Finally, if you�re thinking of sailing into a warzone, you might want to get war risk insurance. Of course, you might also want to get your head checked out, if you know what I mean.

About the author

John Gibb is the owner of boat insurance guidance , For more information on boat insurance please check out http://www.boat-insurance-guidance3k.info
Article Source: http://EzineArticles.com/?expert=John_Gibb

More Information On seadoo seascooter

According to the Guiness Book of Motorboating, the history of the inflatable boat goes back as far as 880 BC, when the Assyrian king Ashurnasirpal II ordered troops to cross a river using greased animal skins, which they inflated continuously to keep the vessels afloat. In ancient China, during the Sung and Ming dynasties, inflated, airtight skins were used for crossing rivers.
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The SEADOO company has been producing personal watercraft since 1988 and will be celebrating its 20th year in business in 2008. They did however invent the sport with the first sit down Sea Doo in 1968 and 1969. However due to the engine technology of the time they abandoned the product for almost 20 years. Sport Boats were introduced in 1994 and used the same Rotax 2-Stroke engines used in their jet-skis. In 2003, SEADOO began to use Four-Stroke Rotax engines which were all fuel injected, and in certain models, were supercharged and intercooled to increase performance. All SEADOO models have 4-Stroke Rotax engines except for the one-person 3D-DI model which needs to use a 2-stroke engine in order to lessen weight. The most powerful option ever offered by these engines is Twin Rotax 4-Tec engines only in Sport Boats that combine two 215 hp (160 kW) supercharged intercooled engines used in the Speedster and 230 challenger models rated at 430 combined horsepower. Their new RXP-X and RXT-X now have 255 horsepower the most in the industry with a 0-50 mph speed in less than 2.9 seconds.
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All the woodwork on the boat should be varnished every year to keep it looking smart, though check with the specification of the varnish to see whether it needs to be carried more or less regularly. Brasswork and Chromework should also be kept polished, not only to keep it looking good but also to stop deterioration.
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Boating, Sailing And Marine Stories

Two new sailing and cruising marine ebooks available for download.

Sun, 14 Jan 2007 12:11:41 +0200
"Southern Indian Ocean Crossing Notes - Sailing East to West and West to East" by Tony Herrick and "Cruising the Islands & Atolls of the Mozambigue Channel" by Tony Herrick as well as the free ebook "Welcome to Durban - A Sailor's Guide" - to assist sailors to make safe landfall in South Africa - updated Dec '06.

Details.......

Sailing crew wanted for June 2007 from Cape Town to Tahiti.

Mon, 22 Jan 2007 20:32:09 +0200
Looking for two sailing crew members for delivery of new 43 foot sailing catamaran on delivery from Cape Town, South Africa to Tahiti via the Panama Canal. THIS IS NOT A PAID POSITION but all food is supplied and NO contribution to expenses is required or wanted. Departure is mid June 2007 and the voyage takes approximately 3 months.

Details ........

How Do You Mark Your sailing yacht's Anchor Chain?

Mon, 27 Aug 2007 18:18:19 +0200
I thought it would be interesting to hear about the various methods used to mark anchor chain on a sailing yacht. I have seen a very effective method of having cable-ties every 10 meters - one for 10m. 2 for 20m, etc.

Full discussion ....

Question of the Week: What Boat Shows Do You Attend?

Boat shows can be a great way to shop around for boats, meet dealers, and view new boating products. The question is: do you take advantage of this great...

Question of the Week: What Boat Shows Do You Attend?

Boat shows can be a great way to shop around for boats, meet dealers, and view new boating products. The question is: do you take advantage of this great...