Why is it Important To Have More Than One Yacht Insurance Quote
By United Yacht | May 21, 2008
Author: Md Juzaily Bin Md Ramli
Yacht insurance? Do you need one? The answer to this question is simple. Obviously, if you don’t own a yacht, then you won’t be needing one. However, if you own a yacht of your own or thinking of buying one, then having yacht insurance is something you should not take lightly.
Yacht insurance is necessary as it safeguards your yacht against unwanted incidents from happening to it, such as fire and other hazards. Different types of yachts have different types of insurance coverage.
Now that we know that insurance is very important, then how do you go about getting one? There are many insurance companies out there that offer yacht insurance and in order to help you make an informed decision when it comes to this type of thing, you should try to get at least two to three different quotes from the many insurance companies for comparison.
Yacht insurance can be very expensive and it is very wise if you find out which policies are available beforehand. The quotes have different types of coverage which can be found through an auto insurance company. For example, your insurance will depend on where you live and also the age of your yacht.
In order to find the best yacht insurance policy you need to determine the type of yacht you own and what you plan on using it for. You could purchase yacht insurance from brokers and dealers. However, before a policy is offered to you, you’d have to have your yacht inspected first.
Usually, it takes a long time for you to get the quotes if you are doing it offline, usually a few days, and sometimes it could take weeks. However, doing it online takes less time, usually in a matter of one or two days and because of this, you’re able to get different quotes from different yacht insurance brokers. This might prove to be beneficial to you as now you’re able to compare the different quotes.
To get online quotes, you should fill out a form provided to you on yacht insurance websites. The form would require you to include the age of your yacht and also the type of coverage you are looking for. This is very important as the quote will be based on what type of information you include inside the form. However, the information can be changed as you see fit.
To know how much having a yacht will cost you so that you’ll have an idea what the monthly cost is going to be like, you should include the insurance costs in your budget. Having a yacht insurance quote before everything else will help you to plan your budget better.
Now that you know the advantages of having more than one yacht insurance quote, you should know that it’s important that you review them one by one to see if they meet your criteria. These quotes should include the terms of policy, coverage and premiums. Take note that certain policies only cover your yacht under certain conditions and it will not be covered if you do not meet the conditions. Therefore, it is very important that the policy has all the coverage needed for your yacht.
Older yachts will not need that much coverage as new ones. That means if you are an owner of a new yacht or a yacht that is not too old, you should choose a yacht insurance with a policy that offers more coverage.
Having said that, it does not mean that you should look for other quotes immediately. Instead, you can also ask them to add additional coverage if the quote is missing some coverage options or you can also cut some of the options should you decide to spend less on your yacht insurance. However, before doing so, you should weigh all of the options in order to see how much coverage is needed for your yacht.
If you think that nothing is going to happen to your yacht, you’d better think again. If you are an owner, then you have to have insurance coverage for it. There’s no question about it. With the power of the Internet you can have different quotes for you to choose from within a day or two. Once you have made up your mind, discuss with the yacht insurance agent to determine the right coverage for you and your yacht.
Not having yacht insurance is like walking in the middle of the road, against traffic blind folded. Anything may happen. Go ahead, if you are a yacht owner and have not had yacht insurance yet, then log in to the Internet and start searching for your quotes now.
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Preparing For The Water With A Yachting Course
By United Yacht | May 15, 2008
Author: Michelle Bery
As more and more people take up the hobby of yachting, our waterways surge with the enthusiasm of new captains. While it’s understandable that people are drawn to yachting, it is important for them to understand that taking to the water means doing so responsibly, as the lives of those onboard - and around them - are at stake. A yachting course that teaches the fundamentals of yachting is absolutely essential for anyone interested in yachting.
The love of water may be innate, but yachting is a learned skill. It requires a working knowledge of the water, an understanding of the complexity of the yacht, and the ability to use all the yachting equipment effectively and responsibly. A reputable yachting course will ensure that you are fully prepared for operating a large or small vessel on water.
First and foremost, it is crucial that you work with a reputable school through which you take your yachting course. A yachting course found in such a location will offer comprehensive classroom instruction and, in some cases, instruction on water. You will initially be taught the fundamentals of yacht operation. A yachting course will show you how to operate the yacht and properly use navigational devices. Of course a yachting course will also lay the groundwork for yachting safety - teaching the essentials of first aid and water rescue, as well as how to handle any onboard crisis that could arise.
You can also find a yachting course online where you can learn the fundamentals of yachting from the comfort of your own home. If you are someone who needs hands-on instruction, however, this may not be the yachting course that’s best for you.
Also, keep in mind that a reputable yachting course can often save you money in the long run, as insurance companies will offer lower rates to those who have successfully completed a yachting course.
A yachting course is the responsible way to begin a yachting hobby. It is only with preparedness that yachting can be its most enjoyable.
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About United Yacht
By United Yacht | May 10, 2008
Sailing the seas has been the greatest fascination of man. Man has been overwhelmed by water even from the start of his birth wherein he is totally submerged in the aqueous vat known as the uterus. But, man’s romanticism with water does not end their. As soon as he grows up, he will found out that 70% of the total composition of the earth he is living in is water. Likewise, exploring the charters of water is not only a lifelong challenge, but the greatest lifestyle ultimatum of man.
Nowadays, people had found a new way of repeating the feat that was once made by Greeks in the Mediterranean, and Columbus in the Atlantic. These days, sailing remains to be a fascination in medium sized boats called yachts. The advantage of having a yacht in sailing is its flexibility in coursing through bodies of water. Not only it is flexible to sail near coastal area, it can also dare to face the current of the big ocean.
United Yacht Sales is helping buyers and sellers of yachts by its brokerage services. If you are a yacht enthusiast and want to sell or buy a yacht then no doubt United Yacht Sales is what your are looking for. To know more please visit, http://unitedyachts.us
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Choose The Right Insurance For Your Yacht
By United Yacht | May 9, 2008
Author: Casey Yew
If you are out on the water, then you are there to relax. There is nothing like yachting to blow your cares away and allow you to get a little closer to absolute bliss. Unfortunately, there is nothing like a yachting accident to bring all of those worries and cares to the forefront of your mind, and add to them as well. yachting insurance is supposed to make your time on the water less stressful and any accidents that you might suffer less impactful on your life.
A good yachting insurance policy covers liability, collision, and damage by vandalism. The coverage itself will vary with the type of watercraft that you own and operate, but all of the policies are intended to help you get underway without fear.
Protection of your yacht usually covers damage to the hull, sails, machinery, furniture, and most other equipment that is used in the normal operation of your yacht. If your docking procedure is short a buoy or two and your hull is a casualty, your insurance company will cover the damages.
Your insurance company should also cover the damages to the dock itself resulting from you collision with it, or to any other yachts that you may have collided with. Most policies also cover vandalism to your yacht, malicious mischief, and often even damages resulting from latent defects of workmanship.
Your yacht insurance policy should also cover liability losses (like that dock that you bumped earlier) as well as bodily injury or death of another person as a result of your negligent operation of the yacht. The insurance policy will also cover your guests or family’s medical expenses if they are injured while on your yacht, or while boarding it or disembarking.
Don’t forget to check to make sure that your trailer is also covered by your yacht insurance policy, since damage to your trailer can be both expensive and extremely inconvenient. Loss of the trailer should also be covered, as it does no one any good on the bottom of the lake, damaged or not.
If you own a shipyard or use your yacht for business purposes, then any non-crewmen working on your yacht are covered as well. This includes mechanics, carpenters or painters and cleaners who are working on your yacht. If any of these people sustains injury, then their medical expenses are covered by your yachting policy. Crewmen injured aboard your yacht should be covered under the federal Longshore and Harbor Workers’ Compensation Act.
If you are a believer in the saying “better safe than sorry”, then you will probably be interested in insuring your yacht against the little extras that might come along. Extra insurance can be purchased to insure your yacht against uninsured yachters who might damage your watercraft.
If you are an avid fisher, or if you like to bring a few little extras along with you on long yachting trips, then you might want to find a policy that will allow you coverage of these things. With many policies, you can add coverage to insure your personal property, and even your fishing equipment against damage or loss.
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What Is A Yacht?
By United Yacht | February 20, 2008
Author: Stephanie Hetu
A yacht is a huge boat that will hold many, many people. Some people refer to a yacht as a party boat, because it is wonderful for hosting parties on. This large boat can also be used for many other things. It can be run by a motor, or a sail. Depending which kind you choose to buy. If you are considering buying a yacht for yourself, you should go out on one first, to make sure that is an investment that you would enjoy.
Owning a yacht and yachting has been known as part of the good life for some time now. You only own a yacht if you are loaded. At least that is what many people think in the US. However, you should know that you do not have to be loaded to go yachting. Renting a yacht is something that you can look into, to make sure a yacht is what you want. Kind of a try before you buy thing.
Where are yachts used? Yachts are only taken out into the ocean because of their size. They are not used in lakes, or rivers in most cases. If you were to ever see a yacht in a river, it is a smaller one, and not a huge one as we know most yachts to be.
Have you ever been invited to a party being held on a yacht? If so, you should attend, and have the time of your life. They are so much fun to throw parties on, and just have a great time and relax with friends. Passing up a chance to party on a yacht might be something that you later regret.
As you can see, a yacht is a super large boat. It can hold many people. They are mostly taken out in the ocean, and they are great for parties. Renting a yacht can give you an idea of what it is like to own one, and not a bad idea for someone that is interested in buying one themselves.
For more information about United Yacht visit http://unitedyachts.us
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Buying A Used Yacht
By United Yacht | February 20, 2008
Author: Stephanie Hetu
Are you considering purchasing a used yacht? If so, you are probably looking for a deal, and a good one at that. When looking for a yacht that is used, there are several places that you should look. People sell things everyday that are used and still in great condition. It is just a matter of finding that thing that you are looking for.
One great place to look for a used yacht would be the classified section of your local newspaper. This is a really good place if you live somewhere close to the ocean. That would mean that yachts as well as boats go up for sale daily. You could easily find a good used yacht that someone just needs to get rid of because they need the money badly. You may also find one that just needs a little fixing up, and small repairs.
Checking with a yacht club and its members would also be a great place to find a used yacht. You just never know when they may have members that are looking to sell their yacht for whatever reason. Perhaps they want to sell to buy a bigger and better one. Maybe their spouse is making them give up their yacht. Just because someone is selling a yacht does not mean there is anything wrong with it. You can find a good deal if you keep your options open.
Whether you are going to buy a used yacht, or a new yacht, it really does not matter. You will love yachting and experiencing the ocean like you never have before. If you have never driven a yacht, some lessons may be in order. Contact your local boating organization to find out where you can take classes and learn how to sail your yacht. You will be glad that you did.
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Boating For Life
By United Yacht | February 14, 2008
Author: James D. Thompson
Who doesn’t enjoy moving quietly over the blue and clear water? Watching the fishes jumping about in the water and feeling the fresh smell of sea. It can be both relaxing and exciting all at once. Many water sports require you to jump into the water. Boating however, enables you to come as close as possible to the water, without actually get wet (as long as it isn’t raining).
Whether you are a lonely fisher or a super social explorer, boating is always fun. You can bring with you your friends or family, and fish, swim or simply just cruise around on the water enjoying a great time together with others. Bring with you a picnic and go ashore somewhere you couldn’t have reached by car. Sit down in the beautiful nature and enjoy life.
Thrill seekers might find the situation described above a little boring. But wait, there is also much more to do while boating. Water is really the extreme sport element number one. Here is just a couple of thing you can do:
- Water skiing.
See how fast you can go with a pair of skies strapped around your legs. Make a competition. You can make a points system for doing a series of tricks, or you can simply let a friend of yours decide who did the best trick combination. Water skiing is easy to start with, but also offers great challenges.
- Rafting.
How crazy is it to jump of a waterfall and stay in the air for a couple of seconds before touching the water again? Rafting is not too hard, but it requires skill to master. And remember; don’t jump off the biggest drops in the start, as it might be an unpleasant experience.
- Tube.
Imagine water skiing without having to hold your balance. A tube is a rubber ring attached to a long robe fastened to the boat. All the participant has to do, is to hold tight to the ring. It might be a bit scary, since it can feel like you are about to lose your grip and fly out of it. But don’t worry; it isn’t that easy to fall of.
Keep in mind that water skiing requires a motor boat; normally with more than 50 horsepower. Nevertheless, someone tried to ski behind a boat with rowers, and unbelievable the skier actually made it up on his feet. But don’t attempt that at home. It was one of the greatest rowers in the UK.
If you want to use your boat on longer trips, it is highly recommended to have a boat with roof, as it might be a bit cold and uncomfortable to use a boat that only got a small windshield. Remember to dress well, as it often gets far colder out on the ocean when you are traveling with great speeds.
Go boating, and enjoy your life the real way!
To know more about Boating visit United Yacht website.
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Basic Steps to Consider While Purchasing a Yacht
By United Yacht | January 25, 2008
Advice in this article is based on authors personal experience plus his discussions with many yacht buyers who are experience in yacht trade. This article will focus on the buying process and vessel characteristics. The process described applies to both new and used sailboat purchases. Subsequent articles will apply the suggestions presented here to specific sailing areas and boat types. The Buying Process Buying a sailboat is a multi-step process that involves answering three questions. Successfully answering these questions will lead you to the vessel that can provide years of joy, while failure to accurately or honestly answer the questions may steer you to the wrong boat, little usage and no fun. The three questions are: 1. How will I use this sailboat? 2. What characteristics of a sailboat are best for this type of use? 3. What sailboats have those characteristics? The most important question is “How will I use this sailboat?” and getting this question right goes a long way toward buying the right boat. The answer to this question, however, must be detailed. It can’t be a general answer like “to race” or “daysail” or “to cruise.” If you only answer the use question generally, you are not yet ready to buy a boat and run a high probability of making a large and expensive mistake. Answering properly means knowing the details of where you will sail, the weather conditions in those areas, the length of the trip you will take, number on board and how far you will be from assistance. Table one provides some examples of the detail you should know BEFORE you consider buying a sailboat: TABLE ONE — DETAILED USAGE EXAMPLES Primary Sailing Desired Normal Trip Length Cruising Grounds Expected Wave Conditions Expected Wind Conditions No. on Board Distance From Help Example One Daysail 2-4 Hrs. Local Bay 1-3 ft 5-15 Knts 2 1-3 Mi. Example Two Extended Cruising Months Ocean Any 5-50+ Knts. 4 100+ Example Three Weekend Racer 8 Hrs Lake and River 1-6 ft. 5-30 Knts. 8 1-6 Mi Vessel Characteristics Once we know on how we will use our new boat, we can determine the vessel characteristics best for our use. Vessel characteristics can be divided into three categories: sailing, safety, living. Sailing characteristics include speed, stability (tendency to heel), ability to point, ease of steering (tendency to sail straight), balance. A racer, for example, will want a fast boat that can point close to the wind and may be willing to sacrifice some stability and ease to get it. A long distance cruiser on the other hand may be willing sail a little further off the wind to get more stability and balance. Sailing characteristics will be determined by the boat design, specifically: sail plan, keel type and depth, sail area to weight ratio, and displacement (Table Two). TABLE TWO — BOAT CHARACTERISTICS AND BOAT DESIGN CONSIDERATIONS Vessel Characteristic Impact Keel Design Fin Keel - Easier to maneuver, more difficult to steer straight Full Keel - More difficult to turn and wider relative turning radius, easier to steer straight Keel Depth Deep Keel More stable (more resistance to heel), greater ability to point (sail close to the wind) but less access to shallow water Shoal Draft Keel - Less stable with access to more shallow water, less ability to point upwind Sail Plan Sloop Rig - Bigger sails, better upwind ability Cutter Rig- More flexibility in sail options, smaller sails (easier to handle), reduced ability to point Multiple Masts (Ketch, Yawl) - More flexibility in sail plan and good reaching performance with even less ability to point Sail Area High (SA/D) - More speed with less stability Displacement Increased displacement delivers more stability while sacrificing speed. Our next consideration is safety equipment. The need for safety equipment is primarily dictated by the conditions we will face and how far away help might be. If we will carry life rafts, EPIRBs, offshore first aid gear and emergency water and rations, we will need places to securely store these items when not in use. In addition, other safety gear may include advanced communications devices (SSB radio, satellite phone, email or fax) power generation (wind generator, genset, and/or solar panels) and items like sea anchors and drogues, radar and navigational gear. Again, the safety equipment list can be generated based on distance away from help and likely weather conditions we will face. The key vessel consideration is to assure any boat purchased will have a place to safely store everything. Next, we must consider living space. Again, based on our usage we should know the number of people and length of time of our voyages. This information is then used to determine the required living conditions and space. For example, a boat cruised away from shore for weeks would need to have a much different energy management system, provisioning ability, and cooking equipment than a boat sailed for weeks, but doing short hops between ports. This seemingly small change in sailing usage can mean large differences in vessel necessities. Consider power generation for example. Extended cruising means high output alternators, larger battery banks, external voltage regulation, and potentially alternative energy generating — all things avoided when short hops between marinas are the plan. Summary Sailboats are the stuff dreams are made of, but buying the wrong boat can be a nightmare — expensive, unpleasant and dangerous. The most important way to avoid making a mistake is to know exactly how you will use the boat in great detail before you begin shopping for your dream boat.
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All You Need to Know About Yacht Insurance Coverage
By United Yacht | January 25, 2008
A yacht insurance coverage is dependent on the policy of the insurance provider. A provider may have a better or less comprehensive yacht insurance policy. Here are some yacht insurance coverages that you may want to keep in mind when buying your own yacht insurance:
* All Risk Coverage
This type of yacht insurance coverage indemnifies you for any loss or “Peril of the Sea” that is not excluded.
* Agreed Value
Before signing up a yacht insurance policy, the value of your yacht is agreed upon. In the event of total loss, you are paid the agreed amount without deducting depreciation value of your yacht.
* Protection and Indemnity
Some yacht insurance coverage provides protection should you get sued for causing damage to properties, people or even the environment.
* Medical Coverage
A good yacht insurance pays for the medical expenses whenever someone gets hurt or injured while in your yacht, or near its premises.
* Personal Property Coverage
Other yacht insurance policies also protect your equipment or personal belongings that are in your yacht. Some yacht insurance provides coverage for the loss of fishing equipment, vessels, clothings. However, yacht insurance does not cover valuables such as money, jewelry or important documents.
* Towing
Yacht insurance policies also include towing coverage. This means that commercial towing services shall be available should your yacht becomes disabled in the middle of the sea and requires assistance to go back to safe harbor. Though yacht insurance policies cover many of your concerns as a yacht owner, there are also other exclusions in their policies. Some of which are:
* Damages due to illegal, fraudulent or intentional acts by the insured
* Damages caused by war, seizures or nuclear radiation.
* Wear and tear
* Osmosis damage
* Design defects
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