Boat Builder Central - Builder Forums

Fuzz wrote: ↑Fri Jun 18, 2021 8:31 pm A number of the insurance companies have revamped their rules. I have my SeaSport insured through Allstate. When I renewed I was told they no longer take boats over 30 years old but I was grandfathered in.

Jeff wrote: ↑Mon Jun 21, 2021 9:25 am wwsmith, sorry let me clarify, the only reason that Progressive would not insure your boat was that it did not have a State issued Vin Number? Jeff

jacquesmm wrote: ↑Mon Jun 21, 2021 10:40 am This is strange. I have two boats, a GF16 with a state issued HIN and a very old (1974) small fiberglass trawler designed by Jack Hargrave, old HIN from a company that does not exist anymore.
They are insured by Geico and I paid my premium a few weeks ago, no problem.
Each is insured not only for liability but also for a set value (I don't know the exact term) in case of loss.
They are also listed under an umbrella insurance.

wwsmith wrote: ↑Mon Jun 21, 2021 10:03 am To clarify - progressive offered to provide liability only, but we need full coverage.

jacquesmm wrote: ↑Mon Jun 21, 2021 10:40 am This is strange. I have two boats, a GF16 with a state issued HIN and a very old (1974) small fiberglass trawler designed by Jack Hargrave, old HIN from a company that does not exist anymore.
They are insured by Geico and I paid my premium a few weeks ago, no problem.
Each is insured not only for liability but also for a set value (I don't know the exact term) in case of loss.
They are also listed under an umbrella insurance.

TomW1 wrote: ↑Mon Jun 21, 2021 3:44 pm

jacquesmm wrote: ↑Mon Jun 21, 2021 10:40 am This is strange. I have two boats, a GF16 with a state issued HIN and a very old (1974) small fiberglass trawler designed by Jack Hargrave, old HIN from a company that does not exist anymore.
They are insured by Geico and I paid my premium a few weeks ago, no problem.
Each is insured not only for liability but also for a set value (I don't know the exact term) in case of loss.
They are also listed under an umbrella insurance.

Jacques Geico has grandfathered all of their previous insured boats at least for now. They are no longer insuring any new boats.

Tom

Netpackrat wrote: ↑Tue Jun 22, 2021 1:35 am Have any of you guys tried Hagerty?

Jeff wrote: ↑Thu Jun 24, 2021 11:34 am Did they require you to submit a copy of the plans?? Jeff

alex2293 wrote: ↑Tue Jun 29, 2021 5:06 pm Good news! It looks like Safe Harbour can underwrite Pacific Marine in Quebec.

They told me that they insure custom built boats, but they need a copy of a marine survey done by a certified marine inspector.

I told them that I was planning to build a boat frome Boat Builder Central plans. I specified that is a fiberglass/epoxy/marine plywood hull.

They can't confirm they will insure without having a look at the marine survey. I guess I have to take a leap of faith.

I think I'll ask Safe Harbour for a marine inspector reference in my region. I'd like to know what to look for during the build.

Thanks
Alex

Thanks.

APLJaK wrote: ↑Wed Sep 08, 2021 3:08 pm A couple of sentences from my Marine Survey that I am very proud of and hope help in valuation and insuring of the boat:

"This boat has been custom built off professional boat plans with a HIGH degree of professionalism and attention to detail."

"Each layer is individually laminated, and all air voids/hull cavities have been injected with foam, creating an incredibly watertight buoyant hull that will outlast any current-day production molded, polyester based fiberglass hull."

At least the second comment is a reflection on the excellent design of these boats and makes me very happy I chose the CX19.

APLJaK wrote: ↑Wed Sep 08, 2021 2:47 pm FWIW from a Canadian experience.

I went to try and insure my newly launched CX19 at an agency run by a firend of mine. Right off the bat I was told Accredited Marine Survey required before anyone would touch it. SAMS https://www.marinesurvey.org/ survey seems to be the only option. Luckily, I have a SAMS surveyor close by. The survey took half a day and cost me about $400 ($20/foot) plus travel expenses. The actual survey document is pretty nice to have and quite comprehensive considering it is non invasive.

I provided lots of construction pictures and details. I also was very careful to follow all ABYC building rules that I could find. (safety equipment properly installed, all wiring run neatly and properly fused, fuel system intact and all connections double clamped, one bilge pump on 24hr circuit, etc.). There was still some minor issues that I have to take care of.

As far as the Hull ID number, you need one! I made my own and attached it as per requirements (upper starboard stern) stamped on an aluminum plate and semi-permanently attached to the hull. I used the basic syntax for a manufactured hull ABC 12345 A1 21 where the first three letters are the manufacturer code, the next five are the hull serial number and the A1 is the month/year of construction and the 21 is the model year. Of course, you will likely not have an assigned manufacturer code, so in my case I made it up. The Marine Surveyor used my serial number in his report without pause.



FWIW, I also have this number in various locations throughout the boat so that if it ever does go missing, I can positively identify it.

So far, it seems that I have satisfied my insurance agent. I still do not actually have insurance so I may come up against an issue yet. If nothing else, the marine survey gives a nice unbiased report as to boat condition at time of the survey.

Hope some of this helps someone.