Lesson's from the Boat Yard: How insurance doesn't always match expectations

Received this e-mail yesterday. This is all second-hand information. Worth passing on as scuttlebutt information.

How insurance doesn't always match expectations. This applies to recreational use, I don't know about commercial.

Maybe I'm just a little green behind the ears & you already know all this. Last week a crew member transporting an empty trailer with electric mule from the boatyard to hoist made contact with a parked vehicle in lot causing minor damage.

To my surprise, BoatUS policy (Gieco Marine) did not cover this, even though trailer is insured & policy has higher limits. Surprising considering their 'permissive use' inclusion that extends liability to anyone the policy holder/owner authorizes to use boat, even when that person isn't present.

After speaking with many agents, brokers, & insurance companies the following was found to be true:

  • Marine insurance liability coverage ends the moment boat leaves the water.

  • Operator becomes responsible party. That includes hoist, electric mule, storage in yard & transportation in between.

  • Only the operators insurance is applicable such as home owners, or umbrella.

  • BoatUS/Gieco doesn't even offer an option to extend coverage in such situations.

So if you're having crew hoist boat, collect trailer, or any action where boat leaves the water, remember you are most likely not covered under a marine insurance policy.

Not very "progressive." Seems like the old law of the sea still applies where there can only be one responcible person.

August 18, 2019 Bike Ride

I have wanted to bike to Ventura for a while. It is a bucket list item. This might be not much to some of my friends, but to me it was important. Not bad for someone who let himself go fitness wise in till 2016. At my age, not everyone does it.

What SB Uber/Lift drivers say about American Cars

I don't take too many Uber/Lift trips. The short three to five-mile trips are expensive per mile. Car ownership gets to be around two to three dollars per mile. Uber/Lift. My last Uber was $4.40/mile. Plus I did not get assigned any of the little cars that seem to be circling my pickup point.

Well, that is not totally the point of the post. The extra cost to not have to part, or deal with downtown Santa Barbara is worth it. The point is I have yet to have someone drive me in an American car or since I started noticing.

One thing the last two Uber drivers state that caught my attention. American cars are not good. American trucks are excellent.

The car that I own is a checkbox car:

  • Did the vehicle have enough room for an overweight family member?

  • Could I fit an oversized wheelchair in the back?

  • Could I tow at least 2,500 pounds

  • Four-wheel or all-wheel drive was a must.

  • Was the car safe

  • Reasonable mileage.

  • Was the car mechanically rated well.

The crossover SUV I have has been in the shop for thirty-six days as of this post. It was purchased nine months ago and had less than 7,400 miles on it. I am wondering if I should keep it even with all the work and new part put into it. I am also thinking that I should listen to the Uber/Lift drivers.

SBYC Wet Wednesday August 7 2019 on J70 Escape

Sailed little lighter than normal. As usual, the wind forecast was off. Not that that was a bad thing. Did not get the camera going for the start. Speed Summary: Speed MPH Min. : 0.000 1st Qu.: 5.552 Median : 6.494 Mean : 6.357 3rd Qu.: 7.579 Max. :11.294 Video created with a GoPro Hero 7 recorded at 1080p60. Data from GoPro Hero 7 internal GPS. Overlay software: Dashware.

SBYC Wet Wednesday August 08 2019 on J70 Escape

Sailed little lighter than normal. As usual, the wind forecast was off. Not that that was a bad thing. Did not get the camera going for the start.

Boat Spead during the race (In MPH):

Speed MPH

Min.

1st Qu.

Median

Mean

3rd Qu.

Max.

0.02237

5.56102

6.50054

6.37257

7.58321

11.29429

Video created with a GoPro Hero 7 recorded at 1080p60. Data from GoPro Hero 7 internal GPS. Overlay software: Dashware.