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Sailing Insurance: Sail Boat And Travel Insurance
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Published: March 29, 2007
Imagine a gentle mist, clear skies, and a sense of solitude that can only be experienced on a body of water. For years people have used sailing as a way to relax and meditate on life's complexities. However, most people don't realize that even the most serene moments can turn dark. And when these moments occur, sailing insurance is needed.
Sailing insurance was introduced to keep sailors and their boats safe from harm. After all, there are many things that can go wrong during a sail. It's better to be safe than sorry, especially when considering how big an investment sail boats usually are. With that said, there are several different types of insurance plans. The plans are usually split up into sailing insurance, sail boat insurance, and travel insurance.
Sailing insurance is generally geared towards the actual sailor. It is a kind of life insurance protecting the sailor and his or her family if anything should happen while out on the water. The two most common types of sailing insurance include life insurance and critical injury insurance. The life insurance ensures that the individual's financial obligations would be taken car of in case something fatal should happen at sea. The critical injury insurance covers medical expenses for serious injuries sustained while sailing. A serious injury would include broken bones, loss of consciousness, or those injuries that put one's life in danger.
No matter what kind of sailing insurance is purchased there are certain things that aren't covered in the insurance policy. For example, sailing insurance does not cover any type of negligence on the part of the insured. Negligence would include sailing haphazardly and drinking while sailing.
Many companies offer both types of sailing insurance at a variety of costs. To get a quote for sailing insurance most companies will have a phone number available for interested customers to call. When purchasing sailing insurance, one must decide on the appropriate amount of money that should be taken out. Most of the time, the company providing sailing insurance will help people who are having trouble deciding. Along with that, forms must be filled out so that everything is legal and documented. Some companies that offer sailing insurance include The Insurance Surgery Limited and Bishop Skinner.
Sail boat insurance is just as important for sailing on the open seas. Sail boat insurance is similar to car insurance, the only difference being the amount of coverage that applies. Sail boat insurance differs on the type of boat and where it is being sailed. The first thing to do when thinking about sail boat insurance is to look at specific parts of the sail boat. Under sail boat insurance, specific equipment can be chosen to insure in case of loss or damage. The most common equipment that is insured includes the riggings, the sail, and on board navigation tools.
Travel insurance is generally used when sailing in a foreign country. Most experienced sailors tend to get bored with the same old scene. Thus, sailing abroad has become a very intriguing aspect to this sport. Travel insurance gives extra comfort and support to a sailor. It can be purchased from a variety of insurance companies and quotes can also be obtained from them as well. A rule of thumb is to obtain travel insurance from the country one resides in, not the country one is traveling to. Travel insurance covers boat wrecks, people falling overboard, and boats that are stuck on coves or sandbars. A general price range for travel insurance is anywhere between $250-$1,000.
Sailing can be one of the most invigorating sports. It can also be one of the most dangerous. It's important for all travelers to consider inventing in sailing insurance as a means of providing a safety net in case anything goes wrong on a sailing trip.
Sources:
Life Insurance and Critical Illness Insurance. The Insurance Surgery Limited. 2006. 27 Mar. 2007. http://www.the-insurance-surgery.co.uk/life_insura nce.php
Aggarwal, Mansi. “Sail Boat Insurance Basics.” Ezinearticles.com. 3 Feb. 2006. 27 Mar. 2007. http://ezinearticles.com/?Sail-Boat-Insurance-Basi cs&id=139178
Single Trip Travel Insurance. AIG Travel Guard. American International Group Inc. 2007. 27 Mar. 2007. http://www.travelguard.com/travelinsurance/singlet rip.asp
Sailing insurance was introduced to keep sailors and their boats safe from harm. After all, there are many things that can go wrong during a sail. It's better to be safe than sorry, especially when considering how big an investment sail boats usually are. With that said, there are several different types of insurance plans. The plans are usually split up into sailing insurance, sail boat insurance, and travel insurance.
Sailing insurance is generally geared towards the actual sailor. It is a kind of life insurance protecting the sailor and his or her family if anything should happen while out on the water. The two most common types of sailing insurance include life insurance and critical injury insurance. The life insurance ensures that the individual's financial obligations would be taken car of in case something fatal should happen at sea. The critical injury insurance covers medical expenses for serious injuries sustained while sailing. A serious injury would include broken bones, loss of consciousness, or those injuries that put one's life in danger.
No matter what kind of sailing insurance is purchased there are certain things that aren't covered in the insurance policy. For example, sailing insurance does not cover any type of negligence on the part of the insured. Negligence would include sailing haphazardly and drinking while sailing.
Many companies offer both types of sailing insurance at a variety of costs. To get a quote for sailing insurance most companies will have a phone number available for interested customers to call. When purchasing sailing insurance, one must decide on the appropriate amount of money that should be taken out. Most of the time, the company providing sailing insurance will help people who are having trouble deciding. Along with that, forms must be filled out so that everything is legal and documented. Some companies that offer sailing insurance include The Insurance Surgery Limited and Bishop Skinner.
Sail boat insurance is just as important for sailing on the open seas. Sail boat insurance is similar to car insurance, the only difference being the amount of coverage that applies. Sail boat insurance differs on the type of boat and where it is being sailed. The first thing to do when thinking about sail boat insurance is to look at specific parts of the sail boat. Under sail boat insurance, specific equipment can be chosen to insure in case of loss or damage. The most common equipment that is insured includes the riggings, the sail, and on board navigation tools.
Travel insurance is generally used when sailing in a foreign country. Most experienced sailors tend to get bored with the same old scene. Thus, sailing abroad has become a very intriguing aspect to this sport. Travel insurance gives extra comfort and support to a sailor. It can be purchased from a variety of insurance companies and quotes can also be obtained from them as well. A rule of thumb is to obtain travel insurance from the country one resides in, not the country one is traveling to. Travel insurance covers boat wrecks, people falling overboard, and boats that are stuck on coves or sandbars. A general price range for travel insurance is anywhere between $250-$1,000.
Sailing can be one of the most invigorating sports. It can also be one of the most dangerous. It's important for all travelers to consider inventing in sailing insurance as a means of providing a safety net in case anything goes wrong on a sailing trip.
Sources:
Life Insurance and Critical Illness Insurance. The Insurance Surgery Limited. 2006. 27 Mar. 2007. http://www.the-insurance-surgery.co.uk/life_insura nce.php
Aggarwal, Mansi. “Sail Boat Insurance Basics.” Ezinearticles.com. 3 Feb. 2006. 27 Mar. 2007. http://ezinearticles.com/?Sail-Boat-Insurance-Basi cs&id=139178
Single Trip Travel Insurance. AIG Travel Guard. American International Group Inc. 2007. 27 Mar. 2007. http://www.travelguard.com/travelinsurance/singlet rip.asp
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