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Seagal
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Posted: Wed Jun 3rd, 2009 05:23 pm |
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We plan on returning to Mexico in November via sailboat. Trying to get information on the minimum liability insurance required in Marinas. So far, none of the five marinas I've contacted have responded. We don't plan on being in marinas very often, but are aware of the liability requirement.
Vagabundos offers $20,000, Progressive doesn't offer a policy for 36' sailboats and we previously had Hambone which is really expensive and don't think we need $300,000. Some others offer $50,000 for less than $200/year, which is fine if it is enough for the marinas.
Any response will be appreciated. We cruised up and down the mainland and the Sea for six years and are looking forward to returning.
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bartmanaz
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Posted: Wed Jun 3rd, 2009 05:51 pm |
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The marinas will not state a minimum. Most of us think $50K is about the least amount to have. Take a look at the watercraft liability offering we have online at http://sancarlosmexico.com/insure.html. Policies available at 100, 300 and 500K
Bart
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Seagal
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Posted: Wed Jun 3rd, 2009 09:39 pm |
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Thank you Bart. I visited your site and the quote of $195/year seems in line with what some others have offered, but higher coverage 50/100/100 instead of 25/50/50 - Wasn't able to put in the actual dates of coverage needed, but it gives me an idea of what to expect.
Very strange for the marinas no to give a figure - so if you went in with $20,000 liability, they would accept it? We are more likely to be damaged by a shrimper in the Mazatlan area or an unlit panga off the coast than any damage we might do to them. Point being, just how much damage can a sailboat going less than 8 knots (warp speed for us). We just want to be compliant with the laws of the land
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Stuart
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Posted: Wed Jun 3rd, 2009 10:29 pm |
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| No disrespect to Bart or his business, but I get my Mexican on-the-water liabilty policy through the Vags for $120 a year. I'm pretty sure it's $50,000 coverage and the San Carlos Marina has always accepted it carte blanche with no questions asked.
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Seagal
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Posted: Thu Jun 4th, 2009 05:32 am |
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Yes, I thought the Vag quote was very reasonable. I am a member and will speak again to them. For some reason, I thought there might be an issue leaving the boat for the summer months and if there is a problem going south to Z-town.
Thank you for your input.
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JZ
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Posted: Fri Jun 5th, 2009 12:49 am |
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Vags limits are too low. I wouldn't go with them.
Why would you count on a marina to be your guide on liability insurance? That's a personal question. For me, the more the better. And yes, there's a lot of damage a sailboat could do to a marina, even when it's not moving. But think also about risks beyond the marina.
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Seagal
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Posted: Fri Jun 5th, 2009 09:20 pm |
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Gosh, it isn't a question of relying on a marina's amount, but that I didn't want to purchase a $200,00 policy and then find out they require $300K. For the 6 years we cruised Mexico, we had Hambone Insurance and danged if I can find my file to see what we paid. I also thought that the marina's requirements might have changed in the five years we have been back in the U.S.
Mary at Marina de la Paz said there is only a requirement we have it and the amount is whatever we are "comfortable" with.
Thanks again everyone for your input. Since we aren't leaving San Francisco until October, there is time for more research.
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Tecate Runner
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Posted: Sun Jun 14th, 2009 02:38 am |
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| While getting the lia. ins. is not a problem, (on water) ~~~ getting covered while launching or retrieving is a problem, ~~~ I have yet to find a company that will do so, ~~~ for example, ~~~ if you are being put in by a launcher, or being put back on trailer, and he has a helper, and the helper slips off of trailer, ~~~ while operating the winch, and gets hurt, ~~~
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mesa
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Posted: Sun Jun 14th, 2009 03:12 am |
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| What is really the question is whether you are looking for a passport into the marinas or are actually looking for insurance. Mexico is not like the US where liability is looked on as a major source of income. If you feel that you can cover a few thouand $ damage in the very unlike case that it ever comes up, go with the minimum. There is also the question of whether the insurance company will even pay up and that is something of an unknow since there are very few incidents of damage involving sailboats. Has anyone down here ever actually been involved with a situation that required a call to the insurance agent?
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Seagal
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Posted: Fri Jul 10th, 2009 10:48 pm |
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Just looking for necessary liability/PD - Don't know as I'd consider it a "passport" into marinas, but as a requirement we will just do what we did in the past; Ensenada to Huatulco (including the Sea) out 200 miles, at least that is what the last policy covered (I located my lost file
Thanks again for the input!
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marvin
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Posted: Sun Jul 12th, 2009 07:13 pm |
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| I had a 17ft boat which I took a $100,000.00 liability policy from Hambone. I recieved my policy about 3 months later. Something I never do, but did in this case, is read the policy. It was about 12 pages thick. Somewhere in the middle, it stated the insurance was only good while in the marina. On the very last page it stated the deductible was $10,000.00. Pays to read what you pay for. Gerald
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tonyh
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Posted: Sat Jul 25th, 2009 04:42 am |
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Call Jason Wagner, agent in Los Angeles
http://www.westcoastri.com/?Contact
or:
818-788-5353 and tell him Tony Hamrick sent you...
He has boat insurance,
TH
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