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Boat Insurance - Peace of Mind for Your Marine Adventures

By John Gibb

As with all vehicles a boat is legible for an insurance policy, under the Marine Insurance Act. While some small boats kept on your premises can be covered by home insurance, Marine insurance can cover not just a seafaring boat but also the goods, as throughout marine history ships have been lost with very expensive cargoes aboard, due to the dangerous nature of sea voyages.

Boat insurance is often cheaper than car insurance especially for a small boat. A comprehensive plan will cover damage to the hull, the machinery and the parts. It is also worth checking if the plan covers theft, injury and any specialist equipment on board like fishing tackle.

Insurance varies a lot depending on the boat. Narrow boats, speedboats, dinghies, yachts, rowing boats and motorboats all have different systems for working out a quote. A fibreglass boat (usually GRP, glass reinforced plastic), like most speedboats, is in a higher insurance band than a wooden or steel boat such as a narrow boat. This is because fibreglass hulls can be damaged or dented very easily while steel hulls for example are very hard to cause any significant damage to. You can get cheaper insurance for diesel powered boats, as they are less likely to explode, and also for using coast guard approved fire extinguishers. A certification in a boat safety course may also reduce insurance.

It also depends on where you intend to sail the boat. The boat will be in a different insurance category depending on whether you intend to sail it in canals (least expensive), rivers, lakes and tidal waters (more expensive) and the ocean.

There are also insurance policies for special circumstances. You can have a boat insured for damage while it is being built, or for a vessel sailing into a war zone or terrorist associated waters, or for specific cargoes such as highly perishable goods that may fail due to delays.

About the author

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

Tips About hunter 25 sailboat

A schooner can have two or more masts, the aftermost mast taller or equal to the height of the forward mast(s), distinguishing this design from a ketch or a yawl. Top sail schooners are rigged to carry a square sail near the top of their foremast, but generally modern schooners are gaff or marconi rigged.
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The Caribbean waters around Margarita Island are perfect for sail boats. They are below the hurricane belt and are a perfect area to spend some time here. They are a duty free port and you can re-stock your supplies at costs much lower than other islands of the Caribbean. One of the major stores that cater specifically to the yachting crowd is Sigo La Proveeduria located on the outskirts of Porlamar.
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Apart from the obvious hazards of collisions and mechanical breakdowns common to all vehicles, personal watercraft feature the unique hazard of orifice injuries. Such injuries are the logical result of the unusually close proximity of PWC riders to the output end of the pump jet, as well as the fact that personal watercraft are usually not enclosed. A rider who falls (or is ejected) off the back can land directly in the path of the PWC's high-pressure jet of water. Unless a rider is appropriately dressed in garments made out of a strong, thick substance like neoprene (as is commonly found in wetsuits), the jet will easily penetrate any orifice it reaches. The consequences include permanent disability or death.For example, in 2006, the California Court of Appeal (First District) upheld a $3.7 million Napa County jury verdict against Polaris Industries arising out of one such incident (which had devastating effects on the victim's lower abdomen).
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Boating, Sailing And Marine News From Around The World

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