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Old 01-02-2015, 11:23 AM   #141
BandB
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City: Fort Lauderdale. Florida, USA
Join Date: Jan 2014
Posts: 21,449
Quote:
Originally Posted by psneeld View Post

With Insurance companies being the ultimate financial risk managers....either they think either single or twin must be pretty much the same....or they must charge differently....or they are spanking the twin guys pooling them with the single group that must ultimately wind up in danger or get towed more....
Oh, you haven't seen the new Towboat US plan where they have a twin engine discount? lol. Just kidding people. There is no such thing before someone takes me seriously. it was facetious in nature along the lines of psneeld's post.

As to insurers, figuring out what they care about versus what someone thinks they care about is a whole different story. We're in Florida, no named storm provisions, no navigation limitations except war zones that they might occasionally name. All boats insured the same so our smallest boat with a 200 nm range is technically insured for ocean crossings. Don't know if experience and captain's licenses meant a thing or if having a classed boat did. It's all like they take the information into some magic room and throw it up in the air and an answer comes out. We even suggested higher deductibles and they recalculated and got the same answer. So we stuck with the lower deductibles although we'd never file a small claim like that for fear of raising rates.
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