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Old 08-07-2015, 04:31 PM   #101
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I kinda hope it turns out to be the worst investment I ever made and I pay out and never use.
I just went back and corrected what I really meant...like you too...
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Old 08-07-2015, 04:35 PM   #102
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I don't fight Murphy and his law is, if I drop or reduce some coverage I never use, then I'll need it.
Trust me....after all of the things I have said in this thread I will likely need a tow the next time I go out!!!!

And in response to psneeld and his cruising on an older boat... I did buy tow insurance when I bought this boat. It was a neglected boat so there were a lot of unknowns when I first got it. Now I have it somewhat sorted out and feel comfortable with it. So I let it lapse...
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Old 08-07-2015, 05:39 PM   #103
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Well.... this thread got fun!

Hope everyone is still friends!
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Old 08-07-2015, 05:59 PM   #104
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Yikes, 882+ for 5 gallons of fuel? But, I bet he was damn glad to get it and not deal with an irate mother in law. Education is an expensive enterprise.
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Old 08-07-2015, 06:34 PM   #105
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once delivered 2 gallons of 2 stroke oil 50 miles out to a member...lucky for him he was a member otherwise it would have been around $600 per gallon...
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Old 08-07-2015, 08:23 PM   #106
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I wasn't born with a wrench in my hand and while I can do the basics of changing filters, etc, it pretty much stops there. I have both sea tow and Boatus and for $400 or so have huge piece of mind. I love my boat, I love cruising, and more importantly, I love redundancy!
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Old 08-08-2015, 01:59 AM   #107
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I'm not sure which is worse, the starter noise, or the music. Glad you got back safely. Also glad I decided to get towing insurance. Good luck with the fix!

Music for sure mate! HAHA


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Old 08-08-2015, 06:53 PM   #108
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I have a Towboat US franchaise. TBUS and Vessel Assist merged several years ago. Both are owned by Boat US. Boat US was sold to Berkshire Hathaway which recently moved us to Gieco. On the East coast and Inland Waters, it is called TBUS on the west coast is is called vessel assist. To my knowledge the policy's are the same. SeaTow is privately held based on Long Island. Interesting that the founders of both company's were very competitive and both died last year.

Technically the membership is a pre paid service , not insurance. I agree you will get towed membership or not. Some people get AAA some do not. You might find it interesting how many expired or non members try to trick us into a free tow. The vast majority of tows result from un prepared boaters who take un necessary risks. The first thing I hear is I knew the blank was bad but.... you learn not to feel sorry for them, it's the boater that truly needs help for a unforeseen circumstance that makes the job rewarding.
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Old 08-08-2015, 10:54 PM   #109
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I have a Towboat US franchaise. TBUS and Vessel Assist merged several years ago. Both are owned by Boat US. Boat US was sold to Berkshire Hathaway which recently moved us to Gieco. On the East coast and Inland Waters, it is called TBUS on the west coast is is called vessel assist. To my knowledge the policy's are the same. SeaTow is privately held based on Long Island. Interesting that the founders of both company's were very competitive and both died last year.

Technically the membership is a pre paid service , not insurance. I agree you will get towed membership or not. Some people get AAA some do not. You might find it interesting how many expired or non members try to trick us into a free tow. The vast majority of tows result from un prepared boaters who take un necessary risks. The first thing I hear is I knew the blank was bad but.... you learn not to feel sorry for them, it's the boater that truly needs help for a unforeseen circumstance that makes the job rewarding.
Depends on where you are I guess....

I provide a lot of assistance calls to vessels aground as well as out of fuel and battery jump assists.

Sometimes to the clueless boater who doesn't understand the safety lanyard or fuel switching valve also.

Sea Tow does seem to resemble true insurance at the franchise level as opposed to Boat US.... a risk versus a risk versus money sent to corporate then redistributed at the local level.

I agree with how many people try to lie about their coverage or lack thereof....
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Old 08-08-2015, 11:09 PM   #110
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Any kind of good, well written insurance is great when you need it... otherwise it's just another "low-drain" safety expense. People who really monetarily make out on the plus side with insurance are those who get paid stated-value boodles for whatever is insured and got trashed soon after they buy the insurance and have started paying.

A Situation: 6 PM, Sunday 7/26/15 wife and I had a $150K +/- calamity happen to one of our houses (200 yr old oak split at the trunk and fell on the one we live in). CA AAA insurance is paying... all should be made whole before winter. We hit the keys on a calculator and found that after paying homeowners to them since 1972 (43 years) that we come out a bit on top of the $$$ game by being covered. Insurance is a necessary item. They'll eventually be back on $$$ top again because we will keep on paying the premium. And, for insurance companies to make profits on policies in general is necessary so they stay in business. We are in a nice paid-for hotel. Tree has been removed off our house. Repairs begin soon. Life is GOOD! Thank you ins cos!

And no - I do not carry any tow insurance for our boat; never have. Why??? - because I have a tow package written into our comprehensive boat ins policy. As well, our boat has twins!
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Old 08-09-2015, 12:17 AM   #111
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Maybe the membership fees are essential to the business model that allows towing services to exist. If so, fair enough. But from the point of view of a prudent boater, self-insuring is the better play over the long haul. Think ahead, be alert, be prepared, and be careful. And be a good Samaritan. If you still get in a jam, call for help and pay the towing company's bill.

During fifty years of boating, I've lost count of the folks I've snatched off a sandbar, towed in to the nearest marina, or loaned a tool to (while I stood by). I grew up understanding that that is just what you do. I trust that someone would do that for me in the event (a couple of folks have). Maybe that's naive these days, and maybe it's bad joss to even say all of this. In any case, I've never spent a dime on towing insurance, but I respect the towboat operators right to make a living. Someday I'll need help again, and none of the people I've helped in the past will be around to return the favor. Then I'll pay for the tow.
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Old 08-09-2015, 08:21 AM   #112
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While not an enthusiast of this style of "insurance",

it would be prudent for the get home delivery of a "new to you" boat that could have loads of PO "fixes" .

After a year of operation it would be far less important.
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Old 08-09-2015, 08:33 AM   #113
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While not an enthusiast of this style of "insurance",

it would be prudent for the get home delivery of a "new to you" boat that could have loads of PO "fixes" .

After a year of operation it would be far less important.
Very good point.....

There is no penalty for lapsing and renewing later. A really good idea if buying and moving to a different location only to sit and be worked on and cruised locally for several years.

For special cruises, new to you boats, etc it might be a good idea....you just have to see what your threshold is and how lucky you feel.
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Old 08-09-2015, 10:39 AM   #114
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While not an enthusiast of this style of "insurance",

it would be prudent for the get home delivery of a "new to you" boat that could have loads of PO "fixes" .

After a year of operation it would be far less important.




Quote:
Originally Posted by psneeld View Post
Very good point.....

There is no penalty for lapsing and renewing later. A really good idea if buying and moving to a different location only to sit and be worked on and cruised locally for several years.

For special cruises, new to you boats, etc it might be a good idea....you just have to see what your threshold is and how lucky you feel.
Now, that is smart! Thanks, guys!
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Old 08-09-2015, 10:48 AM   #115
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Very good point.....

There is no penalty for lapsing and renewing later. A really good idea if buying and moving to a different location only to sit and be worked on and cruised locally for several years.

For special cruises, new to you boats, etc it might be a good idea....you just have to see what your threshold is and how lucky you feel.
I know some delivery captains who make sure the owner purchases before a delivery of a used boat, especially if it hasn't been surveyed. Some carry their own commercial policies. Even with their knowledge and experience and ability, there are just too many things that can go wrong on a boat that's been sitting unused for months or years.

While the captain may even have the ability to get the boat to a dock by themselves, it may not be something they want to risk further damage with until they get somewhere it can be thoroughly checked out. Other times they just don't have the needed parts.
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Old 08-09-2015, 11:06 AM   #116
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While not an enthusiast of this style of "insurance",

it would be prudent for the get home delivery of a "new to you" boat that could have loads of PO "fixes" .

After a year of operation it would be far less important.
See my post #102 second paragraph.

And BandB, I am of the belief that the insurance "follows" the person operating the boat, not the boat itself. IOW, if I had insurance and you let me borrow your boat, then I am covered on YOUR boat. The only stipulation is that the owner is not aboard at the time. So I would assume a delivery captain is covered regardless of what boat he is on. Maybe there is a special policy for delivery captains...I don't know.

The one time I paid for a tow there was a Sea Tow member aboard my boat. There was discussion of tricking the tow company that he was solely operating the boat(and I was just a tag along passenger) so we could get a free tow but I just don't live my life that way. They towed me. And I paid for it(I said earlier in the thread $250...it might have been $350). Anyway, the tow operator was almost apologetic when he handed me the bill. I had no bones with him at all. It was 2330 on a Saturday night and I got him out of bed. He showed up in less than an hour. We kicked back and listened to music while he towed us home. Totally worth it to me. And again, it was due to my lack of maintenance ref the impeller. You have to take the alternator off and then the water pump off to change the impeller. It was one of those deals where I knew it needed to be done but was procrastinating it due to the hassle of changing it. I also was in very shallow water earlier that day...so potentially suck up a lot of sand and mud and finished it off. So this was something that was within my control and I could have prevented it with normal maintenance.
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Old 08-09-2015, 11:29 AM   #117
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See my post #102 second paragraph.

And BandB, I am of the belief that the insurance "follows" the person operating the boat, not the boat itself. IOW, if I had insurance and you let me borrow your boat, then I am covered on YOUR boat. The only stipulation is that the owner is not aboard at the time. So I would assume a delivery captain is covered regardless of what boat he is on. Maybe there is a special policy for delivery captains...I don't know.
.
If the boat is covered, then the delivery captain is covered on that boat.

However, if the boat doesn't have coverage, a commercial user such as a delivery captain, can't purchase the basic policy and be covered on every boat in the instance the boat owner lacks coverage. The delivery captain would need a commercial membership. The commercial policy is $281.
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Old 08-09-2015, 12:02 PM   #118
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If the boat is covered, then the delivery captain is covered on that boat.

However, if the boat doesn't have coverage, a commercial user such as a delivery captain, can't purchase the basic policy and be covered on every boat in the instance the boat owner lacks coverage. The delivery captain would need a commercial membership. The commercial policy is $281.
Then it sounds like a delivery captain, as a professional, needs to have that insurance.
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Old 08-09-2015, 12:10 PM   #119
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...there are just too many things that can go wrong on a boat that's been sitting unused for months or years.
Said by a mariner previously:

"Every part on a boat is in process of becoming broken... we just don't know which part is next"
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Old 08-09-2015, 12:31 PM   #120
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See my post #102 second paragraph.

And BandB, I am of the belief that the insurance "follows" the person operating the boat, not the boat itself. IOW, if I had insurance and you let me borrow your boat, then I am covered on YOUR boat. The only stipulation is that the owner is not aboard at the time. So I would assume a delivery captain is covered regardless of what boat he is on. Maybe there is a special policy for delivery captains...I don't know.

Most are pretty embarrassed when caught in the lie.

The one time I paid for a tow there was a Sea Tow member aboard my boat. There was discussion of tricking the tow company that he was solely operating the boat(and I was just a tag along passenger) so we could get a free tow but I just don't live my life that way. They towed me. And I paid for it(I said earlier in the thread $250...it might have been $350). Anyway, the tow operator was almost apologetic when he handed me the bill. I had no bones with him at all. It was 2330 on a Saturday night and I got him out of bed. He showed up in less than an hour. We kicked back and listened to music while he towed us home. Totally worth it to me. And again, it was due to my lack of maintenance ref the impeller. You have to take the alternator off and then the water pump off to change the impeller. It was one of those deals where I knew it needed to be done but was procrastinating it due to the hassle of changing it. I also was in very shallow water earlier that day...so potentially suck up a lot of sand and mud and finished it off. So this was something that was within my control and I could have prevented it with normal maintenance.
Funny story about your friend...

I get situations like that all the time...it is usually easy to figure out by body language ...
what nails it is some basic questions and sit back and watch the expressions and answers.

I may have missed a couple through the years....but have caught dozens in the trickery..

It can go either way with delivery captains...many have the insurance but many dont. I would say that out of all the marine services provided for compensation...the most saturated with true amateurs is the delivery business.
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