Boat Insurance - Safeguarding From Undesirable Eventualities

There are many people who have their own boats and use it for a variety of purposes like fishing, transport and so on. Having invested in this mode of transport, it is also essential to safeguard it. Hence, the need for boat insurance. This form of insurance protects the boats from any untoward natural calamities or events like flood, storm and so on. One need not necessarily have to purchase an expensive boat insurance policy. There are affordable ones available in the market that will offer the same coverage. It is possible to get affordable boat insurance and that too without having to shell out a fortune. The only way to go about this is research and spending some time browsing the internet.

The research should not take into account the quotes provided and the coverage of the policy, but should also be able to guide you on how to apply for these quotes. You may either choose to do all this on your own or take the help of an insurance broker. When you identify a broker, the broker may tend to force you into purchasing a policy from the company that gives him good commission. But if you are clear that you cannot spend much, then you are left with the only option of doing a thorough research all by yourself. Also, when ordering the policy online, you also get the benefit of good discounts or rebates.

Once you have identified insurance websites that offer these policies, you have to fill in the requisite information and submit the details online. By just remaining in the comfort zone of your home, you can purchase the policy and you also save on commuting and other travel expenses. Within minutes, you will also have the boat insurance policy emailed to you.

Just make sure that the insurance provider is a genuine one. Check out reviews posted by the clients about the company. If you have the sole ownership of the boat, then you should not compromise on the coverage. You may also check with friends or relatives if they have purchased a similar policy. There are many types of boat insurance like fishing boat insurance, yachts insurance of boat and racing boats insurance. You may want to check out for specialised insurance of boat policies, so that you are adequately covered.

Yachts insurance and racing boats insurance are different from a normal insurance of boat policy. Find out whether the insurance of boat policy covers your fishing tackle, fishing boat etc. Check out for competitive prices available in the market. Third party liability is also extended by some insurance companies, and in the event of the passengers getting injured or hurt, the insurance policy will provide adequate coverage. Preferably go in for a company that has competitive staff to process the insurance claims and who are well read about claim processing and the process involved in insurance of boat compensation.

Boat Insurance Options   Boat Insurance - Do I Need It?   Boat Insurance   Boat Insurance   Boat Insurance 101   Why You Need Motorboat Insurance   

Boat Insurance or Yacht Insurance - What Is The Difference?

If you are lucky enough to have bought a new watercraft then very quickly you are going to have to sort out some kind of insurance so that the boat is covered in the event of theft, an accident or a hijacking.

When you look into the matter you will find that the difference between "Boat Insurance" and "Yacht Insurance" principally comes down to the length of the boat. Boats are normally thought of as being watercraft that are smaller than twenty six feet in length, whilst Yachts are thought of as watercraft that are 27 foot and longer.

The other differences between the two come down to the types of use that the two types of craft are likely to get. Because boats are smaller it is generally considered that the range of their activities will be smaller, and that they will be travelling smaller distances. Of course this is a generalisation, and so if you have a craft that is less than 26 foot in length, but which perhaps you use on different types of waterways (or at least more than the norm). Then you should be certain to read the small print of your boat insurance policy before travelling anywhere, or going anywhere that is potentially unsafe.

Because Yachts tend to travel longer distances (as they are larger boats) it is more common to have wider sea cover included, and also to include such elements as hijacking cover etc if you ask for them, though naturally you will pay extra for this.

As with any kind of insurance, regardless of whether you end up needing boat insurance OR yacht insurance you should be sure to seek out a wide variety of quotes, and read the policy documents very carefully, so that you end up with cover that fits your particular requirements.

Boat Insurance Options   Boat Insurance - Do I Need It?   Boat Insurance   Boat Insurance   Boat Insurance 101   

Top Mystery Ghost Ships

There is something about a ship lost at sea which sends shivers down our spines and evokes a sense of mystery and chilling fatefulness. Maybe because the sea can become an endless void which is instinctively unnerving. However, even though thousands of ships have gone missing at sea some have become legendary and their tales timeless.

The U.S.S Cyclops was built in 1910 and was used in World War I to transport coal for the Navy. In 1918 on its way to the U.S from Brazil it completely disappeared without a trace not even a single S.O.S call. The shocking thing about this disaster is over 300 men lost their lives and to this day nobody has found any wreck or evidence of the ship. It remains the single largest loss of life experienced by the United States Navy of a vessel not in combat. According to records it was apparently overloaded with manganese ore, which could have contributed to its unfortunate demise.

The Ourang Medan is allegedly a Dutch merchant ship that sank in Indonesian waters in 1947. According to sources two ships answered an S.O.S call. The City of Baltimore and the Silver Star which were both American vessels. The distress messages exclaimed the rest of the crew were apparently dead. When the Silver Star arrived they found the entire crew dead on board with terrified expressions. As the crew of the Silver Star investigated The Ourang Medan allegedly set on fire and sank. To this day nobody knows exactly what happened on board and caused the fire. However, some believe the ship was carrying nitroglycerin and some kind of nerve chemicals which caused the deaths of the crew and eventual fire.

The Baychimo is a story of a ship that just wouldn't sink. It was abandoned near Alaska in 1931 because it was trapped in ice. After some time the ship broke free naturally and was seen adrift. The amazing thing is it remained adrift for almost 40 years without sinking. Various crew throughout the years tried to salvage the ship without success. Over the years sightings were recorded as recently as 1969.

The Mary Celeste is possibly one of the most famous ships in history. The ship was bound for Italy in 1872 with grain alcohol as its cargo. It was found in December 1872 by the crew of a British ship called the Dei Gratia. They allegedly found The Mary Celeste completely abandoned, but the ship was fully supplied, equipped and sea worthy. After investigation it was found that a life raft was missing but the mystery of the lost crew remained. To this day The Mary Celeste remains one of the great legends of the sea. Captain David Williams is cited as having the most practical solution to its mystery. After 30 years of research he basically concluded the ship set on fire in some way, the crew entered a life raft but forgot to tether it to the ship as a result they were left stranded.

Ghost ships, the Bermuda triangle and incredible mistakes made by crew all contribute to tragic stories which ultimately led to loss of life and the ships themselves.

Boat Insurance Options   Boat Insurance - Do I Need It?   Boat Insurance   Boat Insurance   

Affordable Boat Insurance For Beginners - What Factors Do You Need To Consider With Boat Insurance?

When you are considering buying a new boat, or already have a boat, one of the key considerations that you must address is getting affordable boat insurance that will allow you to rest easy at night and not have to worry about your prized possession.

This is often easier said than done, because the cost of boats is such that, after your house (and possibly your car) it is probably the single biggest investment that you possess.

The size of your boat is definitely a factor in how easily you will be able to find boat insurance at an affordable rate, because you will often find that many boat insurance programs are designed to cover boats up to a certain length. This varies between providers, but make sure that in addition to any cost implications you also check if there are any size limitations.

Normally, a 'boat' will be classified as anything up to 26 feet in length, and above this level your boat would be officially classified as a yacht, and so you would have to get yacht insurance instead.

When you get a boat insurance quote you should check exactly what it covers you for, and tailor the cover to match your requirements. For example, if you do a lot of sailing in a region that is known to have pirates (more prevalent today than you might think), then you may well find that such areas are actually excluded from the policy. Hence it is important to check the policy documents so that you don't find yourself left out in the cold in the event of some unforeseen circumstances.

As with anything in the financial arena the best way to get started is to get some boat insurance quotes so that you can compare rates and exactly what is available.

Boat Insurance Options   Boat Insurance - Do I Need It?   Boat Insurance   Boat Insurance   

All About Dinghy Insurance For Your Precious Dinghy

If you love boating and you want to own your very own boat which does not burn a huge hole in your pocket then you should consider buying a dinghy. A Dinghy is nothing but a small boat; traditionally these were carried on board big sea vessels and were used to travel upstream and other places where bigger vessels could not be maneuvered easily. However the turn of century saw an amazing invention - the inflatable rubber dinghy. This has made boating more fun and more safe compared to the traditional wooden boats. If you are a person who likes to face challenges then you can get a dinghy which can be used for sailing. This is perfect for beginners who love to sail but are not yet quite ready to handle a full sized sloop.

Irrespective of the dinghy you own, you need to consider purchasing insurance for it. The reasons as to why you need to purchase dinghy insurance are:

• As a beginner there is a high risk that you might involve your vessel in some sort of accident. If you do not have an insurance covering the vessel then you will have to pay for the damages from your pocket. • In case of a fire accident the boat may sustain a lot of damage and if you are not covered your investment will go up in flames without any compensation.

• Since dinghy is a small boat the chances of someone stealing your boat is very high, if you have not purchased theft insurance then your entire investment will be gone without any trace.

• If you plan to charter your dinghy for other people and due to ill-fated luck if they sustain any injury to your dinghy they may ask for compensation room, so if you have not purchased liability insurance then you will be forced to pay from your own pocket.

There are many more reasons as to why you should buy dinghy insurance as soon as you own your very own small boat. As with any insurance policy the dinghy policy also comes with a slightly higher premium, but fear not here are some steps on how you can get a low quote on your insurance policy.

• Always do some basic research before calling any insurance broker. With the availability of internet information it's just a click away. All you need to do is to go to an insurance website and click on the various dinghy policies offered by insurance companies. Once you are armed with some basic data you are ready to face any insurance broker.

• Always, compare the various policies online. The reason behind this is very simple. It is a cumbersome process to get all the data needed and compare the various policies yourself, however on the online websites all you need to do is click the compare button and without any effort you will be given all the comparison data of various policies. This will help you to get the cheapest quote that is available in the market.

Boat Insurance Options   Boat Insurance - Do I Need It?   Boat Insurance   Boat Insurance   Boat Insurance 101   The Benefits Of Having More Than One Boat Insurance Quote   

Ski Boat Insurance

Along with man, all that he has created are being continuously evolving. This includes the houses, the tool, the vehicles so on and so forth. For example the Noah arks, which was the most ancient water craft mentioned in Bible has evolved into small personal boats. Along with the continuous evolution of man and his creation the level of danger has also risen. this is the very reason why man in modern day should take all precaution to protect himself and his property. One of the best way to do it is to purchase a good insurance policy. This way at least if any thing is damaged the insurance company will provide financial coverage towards the repair. In this article I will be talking about one such policy - the ski boat insurance policy.

Ski boats are basically high horse powered boats which are used to tow one or more water skiers across any water body. The boat is built in such a way that it can achieve high speeds within matter of time. These boats can also be used for personal use without have to tow skiers. Investing in such a boat is truly rewarding. If you plan to buy such a boat then you need to consider purchasing ski boat insurance.

There are many companies providing ski boat insurance. However it is important that you select a policy which is cheaper but still offers maximum coverage. The simplest policy available is the physical damage policy. This policy provides coverage if the boat is damaged due to accident or acts of vandalism. The second type of policy provides coverage if the damage is caused due to fire accidents. The third type of policy available is the third party liability policy, which protects the boat owner from being liable if the boat is involved in damaging third person property or injuring third person.

Once you have decided the type of policy which you need, it is time to go searching for a place where they offer cheaper quotes on ski boat insurance. The best place to start is the internet. There are a number of websites which provide a complete information on various ski boat insurance. Most of the websites also offer discounts and offering on various policies if they are purchased form there websites. The first thing to do is to log on those sites and then provide some basic information regarding the water craft and then they can start selecting the policy which suits their needs.

Boat Insurance Options   Boat Insurance - Do I Need It?   Boat Insurance   Boat Insurance   Boat Insurance 101