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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 used ski boats for sale

Cruising yachts are by the far the most common yacht in private use, making up most of the 25' to 45' (7 m to 14 m) range. These vessels can be quite complex in design, as they need a balance between docile handling qualities, interior space, good light-wind performance and on-board comfort. The huge range of such craft, from dozens of builders worldwide, makes it hard to give a single illustrative description. However, most favour a teardrop-planform hull, with a wide, flat bottom and deep single-fin keel to give good stability. Most are single-masted Bermuda rigged sloops, with a single fore-sail of the jib or Genoa type and a single mainsail. Spinnaker sails,in various sizes, are often supplied for down-wind use. These types are often chosen as family vessels, especially those in the 30- to 40-foot (8 to 12 m) range. Such a vessel will usually have many cabins below deck. Typically there will be three double-berth cabins; a single large saloon with galley, seating and navigation equipment; and a "head" consisting of a toilet and shower-room.
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One can and should insure a jet ski prior to use. Insurance may include insuring the craft and insuring one against personal injury. Insuring the craft is easier than insuring for injury, as the jet ski is associated with accidents. If one cannot obtain personal injury insurance, check with one�s health insurance plan to be certain that an injury via jet ski is covered by insurance. Some plans do not cover one if engaging in certain activities like bungee jumping, parachuting and the like. Check plan exclusions prior to purchase of a jet ski.
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