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Old 05-31-2016, 12:28 AM   #41
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Some years ago, someone got past the marina's locked gates and gained access. Stole a boat while ripping out dock cleats. Consumed the liquor aboard and ended up aground on the Pacific side of San Francisco.

Man Steals Boat in Vallejo, Ends Up On Ocean Beach - West Coast Fishing - SurfTalk

We keep things locked. Both I and first mate bring/have boat keys.

You should be safe from theft with a yellow roof
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Old 05-31-2016, 05:59 AM   #42
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The problem is not what the thief takes , it is in some places the New Jersey attitude exists.

"If you can't steak it destroy it!"
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Old 05-31-2016, 07:33 AM   #43
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So what happens when you tell the insurance company afterwards:


"No, the boat wasn't locked... so potential thieves wouldn't break windows or doors."


??


Anyone with experience on that?


-Chris
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Old 05-31-2016, 07:42 AM   #44
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Leave ours open.

But then....
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Old 05-31-2016, 09:30 AM   #45
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So what happens when you tell the insurance company afterwards:


"No, the boat wasn't locked... so potential thieves wouldn't break windows or doors."


??


Anyone with experience on that?


-Chris

This question is asked every time this topic comes up so let me answer it with a question. Does insurance cover your losses if you are DUI?
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Old 05-31-2016, 10:18 AM   #46
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We never lock the boat either. Key is in the ignition, seacocks open in case of an emergency.
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Old 05-31-2016, 10:33 AM   #47
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This question is asked every time this topic comes up so let me answer it with a question. Does insurance cover your losses if you are DUI?

Hadn't noticed it coming up before, I guess... but...

??

I don't understand how that question applies, Craig. (Unless you mean owner's culpability does indeed apply. In which case, maybe I'm just a bit slow, today...)

??

The answer is no (I assume), but insurance does (is supposed to) cover my losses in case of theft, excepting the deductible, but including damage....

But I've not seen any language about owner's due diligence (keeping things locked?) being required. Or not.

And I haven't seen (noticed) anyone saying a claim was upheld -- or denied -- in the case where boat was left unlocked.

So what the answer? With an answer?

-Chris
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Old 05-31-2016, 10:59 AM   #48
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Yes you get a new car if you drive yours into a tree on the way home from the bar. Yes your losses are covered regardless if locks are used or not.
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Old 05-31-2016, 12:15 PM   #49
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Does insurance cover your losses if you are DUI?

No. Not in BC. Insurance is a crown corporation.

If you are DUI in BC, you will be in breach of your ICBC insurance. ICBC will not cover your medical expenses. ICBC will not pay for your lost wages. ICBC will not fix your car. ICBC pays off the other driverís vehicle damage claim. The other driverís injury claim gets settled. ICBC will come after you for the extent of the other drivers claims.

As far as locks go. Yes I keep my boat locked. No I don't have a spare key on board. But I only live a kilometre away. My insurance may exclude some theft by this clause "Mysterious disappearance of equipment or electronics or personal effects from the Watercraft but this exclusion does not apply if the Watercraft shows signs of forced entry or forcible removal."
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Old 05-31-2016, 12:37 PM   #50
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main boat doesn't have a key just a starter button
Always leave the key in the dingy when chocked on boat or when pulling it
When launched keys stay with me
Main boat is locked and have spare keys in the cap for shore power and taped under the stairs in transom and carry them on my key chain
"Alarm is the main deterrent" have had an attempted break in where they broke a window and disappeared into the night
2 years ago at the club a small boat and 2 guys made their rounds taking electronics and booze
They were found the next morning passed out drunk in their boat and then there was the 50 footer a guy took for a spin They found him going in 360 deg idle spin in harbor. They found him passed out drunk also.
So best deterrent is have lots a booze on board
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Old 05-31-2016, 12:52 PM   #51
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Originally Posted by ranger42c View Post
So what happens when you tell the insurance company afterwards:


"No, the boat wasn't locked... so potential thieves wouldn't break windows or doors."


??


Anyone with experience on that?


-Chris
My policy specifically excludes coverage for the dinghy or outboard if they are not locked.
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Old 05-31-2016, 01:20 PM   #52
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Wifey B: While you guys are broadcasting where your spare key to your boat is kept, wanna publish on facebook where you keep your spare house key and when and for how long you'll be out of town?
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Old 05-31-2016, 01:21 PM   #53
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All I'll say is that my neighbors know how to board my boat if needed.

As for stealing my dinghy - good luck getting it off the foredeck!

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Old 05-31-2016, 01:34 PM   #54
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Thats were i used to put my keys
I liked the shore power Cap idea it worked well
Now i have keys for all family and spares for guests if they leave the boat on a outing
Just easier that way
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Old 05-31-2016, 01:41 PM   #55
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Gotta love this place huh?
Went from "Do you leave a key with someone?" to did you get drunk, shoot someone and who pays for what?
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Old 05-31-2016, 01:52 PM   #56
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No. Not in BC. Insurance is a crown corporation.

If you are DUI in BC, you will be in breach of your ICBC insurance. ICBC will not cover your medical expenses. ICBC will not pay for your lost wages. ICBC will not fix your car. ICBC pays off the other driver’s vehicle damage claim. The other driver’s injury claim gets settled. ICBC will come after you for the extent of the other drivers claims...."
Good for Canada. As it should be in all countries. We shouldn't reward a person from operating while impaired. No exceptions.
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Old 05-31-2016, 02:01 PM   #57
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Good for Canada. As it should be in all countries. We shouldn't reward a person from operating while impaired. No exceptions.
Revocation of license and ridiculous insurance rates to insure vehicles moving forward isn't enough? Where does the line between restitution become retribution?

Back to the ORIGINAL topic...... I don't have a lock on my door, so there is no key to keep. My ignition key is where it belongs....in the ignition. Taking property because the key was available should not make me liable or the act legal. That is ridiculous (lack of) reasoning.
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Old 05-31-2016, 02:03 PM   #58
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Wifey B: While you guys are broadcasting where your spare key to your boat is kept, wanna publish on facebook where you keep your spare house key and when and for how long you'll be out of town?

Really kinda pointless if you've ever spent 20 minutes seriously studying typical residential entry lock hardware. I'm not a professional locksmith or thief yet I can defeat (pick)most entry door locks and padlocks in less than 30 seconds. More difficult commercial style take 2 minutes or so, really is a simple skill to master. Thanks to YouTube many multiple of thousands of other common folks now can too.

Gotta a key hidden in the front yard but you won't need it if you come to the back door. All my neighbors are aware of it too. Perhaps some of you need better neighbors in a better neighborhood? We had crappy neighbors when we owned a 4,000 square foot house in a gated subdivision. Now that we live in our old gardeners neighborhood we no longer worry about burglary.
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Old 05-31-2016, 02:06 PM   #59
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Worse yet is to be cruising in a town far from home and lock the boat with the key inside.

Yes, I have a key hidden outside the boat.
I don't believe I can lock myself out of my boat. As others have mentioned, a locked door simply means that if someone really wants to break in, they will break a window. Not sure why, but I don't tend to worry about security as much as I probably should. Even so, I lock up my boats when I leave.
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Old 05-31-2016, 02:19 PM   #60
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I should hide a key. Nothing worse than driving out to the boat to discover you left the keys on the counter at home.
I have a spare key inside the glovebox in our car.
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