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rebeldog109
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Posted: Wed Sep 27th, 2006 03:43 pm |
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| I have insurance for my boat towing it down but I have not been able to get Lewis and Lewis to respond to my request for on the water liability and possibly comprehensive and collision. I would try Hambone if I had their email address and I know there is another agent by the gourmet coffee bar at the shopping center behind the first Pemex station as you come in town. Anybody have the contact infor for these guys or someother recommendation? and contact info. I leave here for SC this Sat. and I know that I will have to have at least liability ins. to dock so I would like to get some assurance that it is available at a reasonable price. Any thoughts?
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No Sniveling
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Posted: Wed Sep 27th, 2006 04:20 pm |
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See about an ammendment on your homeowners policy - thats what I found was the best for me. Covers comprehensive for damage, theft of equipment, liability, etc.
 Craig
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Charlie
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Posted: Wed Sep 27th, 2006 05:21 pm |
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| Hambone is at 011-52-622-226-0274 or hamboney@prodigy.net.mx. Iberri is the agency at the older Pemex station; they're at 011-52-226-0249 or memoiberri@prodigy.net.mx.
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JZ
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Posted: Wed Sep 27th, 2006 05:29 pm |
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No Sniveling wrote: See about an ammendment on your homeowners policy - thats what I found was the best for me. Covers comprehensive for damage, theft of equipment, liability, etc.
Craig
Craig, can you give us more details. What company are you using.
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No Sniveling
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Posted: Wed Sep 27th, 2006 05:52 pm |
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I have my cars, boat, and house through Country Companies. I'd have to dig for the details, but I specifically questioned the loss of equipment when I stored at Marina Seca and found out I had $7800 loss of equipment covered, plus the price of the boat and trailer. It costs under $200/yr (I think) as an ammendment on the homeowners insurance. They also covered a $3800 loss when my utility trailer flipped with my ATV on it, again, under the homeowners policy as it was not a licensed vehicle. Great company and my agent is Von Grant, in Safford AZ - I used to live there and wouldn't change when I moved.
 Craig
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bartmanaz
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Posted: Wed Sep 27th, 2006 09:13 pm |
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You can also order the liability insurance on the main web site at the Insurance page.
Pay by credit card and download the policy online. Be advised that Hambone will require a survey before they insure and will limit the liability to the value of YOUR boat-strange but true. Last time I asked him, Memo Iberri was not writing boat insurance. Also beware that your homeowners policy may cover the boat while on the trailer or in storage but is probably not hull coverage and will do nothing if something happens afloat while in Mexico.
Bart
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Stuart
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Posted: Wed Sep 27th, 2006 10:03 pm |
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I get my Mexican on-the-water liability policy through the Vagabundos. It's typical 100/300 coverage and runs about $90 a year.
I have a separate Mexican policy for towing/loss (also through the Vags). My US boat policy has a special endorsement for loss in Mexican waters. However, it's a "tourist" policy and is built around the boat not being in Mexico more than 6 months out of the year.
I do NOT recommend BoatsUS, even though I'm a member with them. While their US policy rates are good, they make you jump through hoops every time you want to take your boat into Mexico. You have to call them for a special permission rider each time you go and it costs substantial extra $$$. Only covers you for that trip.
If you only go occasionally, no big deal, I guess. I used to buy Mexican insurance on a "per trip" basis. But, if you go fairly often, you quickly reach the break-even point where a full year tourist policy makes sense. For my coverages and such, 4 trips a year was break-even over "per trip" rates.
Just my experience, your actual mileage may vary, smoking cigarettes is hazardous to your health, disclaimer, etc. 
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rebeldog109
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Posted: Wed Sep 27th, 2006 10:15 pm |
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I have coverage for the trip down there that covers the boat while being towed and covers my car while I am in Mexico. I didnt think it would be a big deal to get at the minimum a liabilty ins. policy for on the water that would allow me to leave it at the SC Marina. Go figure!
I finally reached a live person at Lewis and Lewis and they said the underwriter didnt want to write a boat that wasnt trailerable. Since my application clearly states that this is a 21 ft Seaswirl that I am towing down and plan to store on land when I am not there I am scratchung my head and hoping that now that the "know" this they will come through for me. So it goes.
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Sashimi Grade
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Posted: Wed Sep 27th, 2006 11:52 pm |
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I've been googling for insurers that will write a full coverage hull policy on a boat that is used in mexican waters and dry-stored in Mexico when not in use. I haven't yet found anyone writing such policies. There are a few folks writing the liability policy for road and water, but not much for annual hull/full coverage in Mexico. Any suggestions?
Bart - I saw in another thread that you mention that you had such a policy with Mariners General. Was that coverage for fulltime Mexico use and storage or trip-specific? (and btw, I have submitted a form to get a quote but am unsure how long that will take)
thanks for all the great input.
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JZ
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Posted: Wed Sep 27th, 2006 11:54 pm |
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Sashimi Grade wrote: I've been googling for insurers that will write a full coverage hull policy on a boat that is used in mexican waters and dry-stored in Mexico when not in use. I haven't yet found anyone writing such policies. There are a few folks writing the liability policy for road and water, but not much for annual hull/full coverage in Mexico. Any suggestions?
Bart - I saw in another thread that you mention that you had such a policy with Mariners General. Was that coverage for fulltime Mexico use and storage or trip-specific? (and btw, I have submitted a form to get a quote but am unsure how long that will take)
thanks for all the great input.
I called Mariners General, they were 2x what Hambone wanted unless you are >35 foot.
Last edited on Wed Sep 27th, 2006 11:55 pm by JZ
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ACWAMAN
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Posted: Thu Sep 28th, 2006 12:15 am |
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After numerous e-mails and even more voice messages, I gave up on Lewis & Lewis, they're useless even though they are meant to have policies that cover boats in MX.
Think you got most of the alternatives.
I was unaware of security issues at Marina Seca, is this a common occurance?
If so, where do you recomend storing a 30' x 11' boat on a trailer?
Regards
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JZ
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Posted: Thu Sep 28th, 2006 12:32 am |
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I don't think there are security issues at Marina Seca. I've had my boat there for 3 years w/o incident.
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Stuart
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Posted: Thu Sep 28th, 2006 12:59 am |
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| It wasn't a security issue Craig was mentioning, it was coverage information. Loss of equipment covered up to $7800 above and beyond the value of his boat and trailer. At least that's the way I understood it.
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JZ
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Posted: Thu Sep 28th, 2006 01:32 am |
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That's how a read it also, but it was a bit ambiguous.
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ACWAMAN
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Posted: Thu Sep 28th, 2006 04:32 am |
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Sorry, I misunderstood, last thing I want t do is instigate any rumours that any establishment of business is suspect, unless they really are.
Such as my experiences dealing with Lewis & Lewis.
Duly apologize.
Regards
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No Sniveling
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Posted: Thu Sep 28th, 2006 05:51 am |
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Sorry for any confusion!!!!!! I kept my boat at Marina Seca for over 18 months without any problems whatsoever! I was very concerned when I first started storing the boat and began bring all of my gear and storing it in the boat. I had my liferaft, tools, and enough fishing tackle that I was concerned about how much security my plexiglass windows, and padlock on the hatch were offering - none! The only thing that kept all my goodies secure were the fences, guards, and lockout procedures observed by Marina Seca. The same is true with leaving your boat in the slips at Marina San Carlos - I lock up the easy to move stuff, take the most valuable stuff home each night, but there is several hundred (thousands?) of dollars worth of outriggers, gaffs, anchors, ice chest, etc., that I leave there and have never had a problem.
I only mentioned that coverage because it was a comfort when I first left my boat and stuff and headed for the states for weeks at a time - a new experience for me! I even drove back for an overnight trip, just to check on my stuff when it had been there for the first week!!!! Now, am I the only paranoid who felt like that the first time I drove away from all my goodies?????
 Craig
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AcuDoc
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Posted: Thu Sep 28th, 2006 07:01 am |
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A buddy of mine from my days in Baja recommended Progressive to me. It looks like I am going to go that way this year. For $8000 replacement value, all my electronics, trolling motor etc. and $1000 for fishing equiptment it will cost me around $250 a year. That also full coverage theft etc for canada,us and mexico plus up to 50 miles offshore.
My buddy is in the insurance business and he has had them for years. Says they are the way to go.
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bartmanaz
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Posted: Thu Sep 28th, 2006 03:23 pm |
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This is going back to the question posed by Sushimi Grade-yes, I have Mariner's General and yes, they are more expensive than Hambone, $1000 vs $600. My boat is a Tiara 2700 on it's own trailer and stored at Marina Seca. No problems there in 5 years, BTW.
I went to MG because even for $600 a year with Hambone's marine underwriter, we were woefully underinsured on the liability side because of the stoopid limit placed on liability coverage matching the value of my boat. If my boat is worth $50K than I could have only $50k in liability! When in the water, I'm surrounded by boats worth 3-25 times the value of mine. I just did not want to take the risk associated with that level of liability coverage.
Frankly I believe we got better total coverage, including personal effects, towing and assistance, oil spill (didn't think of that one, did you?), uninsured water craft, medical payments, etc. The lions share of my premium is hull insurance on my boat which is important to me.
Guys, the bottom line is usually the bottom line and you get what you pay for. I'm very happy with this insurance and will renew it with pleasure. Contact Teri Kemp in the Newport Beach office at 1-800-992-4443.
If you only need liability coverage, check the rates online-there are 4 different coverage levels up to 250/500K Property damage/bodily injury.
Bart
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JZ
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Posted: Thu Sep 28th, 2006 06:17 pm |
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bartmanaz wrote: This is going back to the question posed by Sushimi Grade-yes, I have Mariner's General and yes, they are more expensive than Hambone, $1000 vs $600. My boat is a Tiara 2700 on it's own trailer and stored at Marina Seca. No problems there in 5 years, BTW.
I went to MG because even for $600 a year with Hambone's marine underwriter, we were woefully underinsured on the liability side because of the stoopid limit placed on liability coverage matching the value of my boat. If my boat is worth $50K than I could have only $50k in liability! When in the water, I'm surrounded by boats worth 3-25 times the value of mine. I just did not want to take the risk associated with that level of liability coverage.
Frankly I believe we got better total coverage, including personal effects, towing and assistance, oil spill (didn't think of that one, did you?), uninsured water craft, medical payments, etc. The lions share of my premium is hull insurance on my boat which is important to me.
Guys, the bottom line is usually the bottom line and you get what you pay for. I'm very happy with this insurance and will renew it with pleasure. Contact Teri Kemp in the Newport Beach office at 1-800-992-4443.
If you only need liability coverage, check the rates online-there are 4 different coverage levels up to 250/500K Property damage/bodily injury.
Bart
Bart, I think MG changed after you signed up with them. What carriers offer and the markets they play in change all the time. When I called them about 2 weeks ago they were not much help for boats under 35 foot. I saw that comment posted here on this site and that's what they basically told me when I talked to them. The carriers that they are working with now are very limited if you are under 35 foot. I agree with your general comments about getting what you paid for and the weak liability offered by Hambone's carrier. I'll call Teri. Maybe the person I talked to was just confused. They told me they only had one carrier that might work and it was 3 times the number you posted. What carrier did you use. If I can get the policy you got for close to that price I will sign up in a second.
Last edited on Thu Sep 28th, 2006 06:23 pm by JZ
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rebeldog109
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Posted: Thu Sep 28th, 2006 08:02 pm |
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| I just called Marine General and when I told them I had a 21 ft Seaswirl they said they did not have underwirters for "runabouts". They gave me the name of Romeros there in Newport Beach Ca. I just called and they are faxing me an application. I have not heard from Hambone or Memo. I am beginning to think this is going to be more difficult than I thought.
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