Why Boat Insurance Doesn't Help A Lousy Sailor

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For thousands of years men have sailed the seas. From the earliest trips by the discoverers and settlers of the Americas, Australia and the Pacific Islands, through Odysseus' voyage to Troy and beyond to the time of Swashbucklers in the Caribbean mankind has made exciting voyages to the far corners of the world.

In those early days hard cold steel and brass protected the men and their ships. Today we have boat insurance, GPS systems, sonar and underwater charts.

While boat insurance is not as glamorous as a fancy cutlass nor as exciting as a cannon it does offer the boat owner something that all the cutlasses and cannons cannot. It can replace your ship if you lose it. In the wild and wooly days of wooden ships and iron men you usually needed one ship to steal another.

Why not just sail away or blast somebody to flinders if they are trying to steal your boat?

I must make a confession; I make a terrible sailor. I am one of those people that Dramamine was invented for. I get seasick watching a pirate movie or riding a Washington State Ferry, that is hardly a rough ride at sea.

It is usually as steady as a stroll in the park. When my family goes for a good time on the water I am waving merrily from the shore. Why an I happy? I know that my family will be safe; they use life vests, weather radio and GPS and have boat insurance.

I on the other hand will not be 'feeding the fishes' and watching the roll of the horizon waiting for the next 'heave ho'.

As a young man I was fascinated by everything related to the sea. Vikings and their ocean riding serpents, pirates and their magnificent galleons, the US Navy and their valiant ships of steel were all fodder for my young imagination.

I loved to dream about the time of cannons and cold steel when men were men and lived by the code of the sea. Now we have the GPS, sonar and boat insurance. Still I make a lousy sailor.

About the Author : John Edwardson has been a keen sailor for many years. He's owned a variety of different boats. Boat insurance has always been a minefield, and he imparts his long experience in a series of articles to help & advise other boat owners.

Readers please note : You should undertake your own background checks before taking any action on any aspect mentioned in this article. Where the author has mentioned specific product details or given examples of how companies have reacted to specific situations, these should be correct as far as the author is aware when this article was written. In some cases additional background information not mentioned in the article has been used in obtaining the examples. Some examples or quotes may have been taken from information available in the public domain where all the background details may not be available. Insurers do change policy conditions and underwriting approach. They will view each situation on its own merits.

You should be aware that details of the topics written about within the articles can change. Therefore, always check out the current position before taking any action. You should also check that any action you are considering, or any proposed purchase, is suitable for your personal circumstances.