My insurance is with Boat US, and my rates did not go up. Since I sail
on Lake Michigan and not in coastal areas or waters, I speculate that
location may have something to do with it. We don't have hurricanes
here. I also speculate that the hurricanes which have destroyed so many
boats are mostly the blame for the increases in insurance rates,
deductibles, etc. About the only thing one can do is shop around.
Something similar happened to me with regard to our home. Home
insurance leaped up because we do not live near a fire hydrant or fire
station. I complained and then shopped around.
Glenn Gambel
Wind N Spirits
C&C 36 (1981)
------ Original Message ------
From: "ALAN BERGEN via CnC-List" <cnc-list@cnc-list.com>
To: "C&C" <cnc-list@cnc-list.com>
Cc: "ALAN BERGEN" <trya...@alumni.usc.edu>
Sent: 2/3/2018 7:12:14 PM
Subject: Re: Stus-List insurance
If your deductible is zero, that means that your deductible has gone
from whatever you had it, to zero without increasing your premium for
the zero deductible. In other words, you had no claims in the past
four years, and your deductible has gone down twenty-five percent per
year over those four years. I had a claim, last year, and I didn't
have to pay a deductible. It started out as a four percent deductible,
and it went down when I had no claims for four years or more. I had
the same question as you, until they explained it to me. My insurance
is due to renew in April, and the deductible will probably go back to
four percent, plus whatever the new rates have increased to.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR
Alan
On Sat, Feb 3, 2018 at 3:26 PM, Matthew Wolford via CnC-List
<cnc-list@cnc-list.com> wrote:
Agreed. I suspect we’re paying for hurricane damage.
Sent from my iPhone
On Feb 3, 2018, at 3:50 PM, ahycrace ahycrace via CnC-List
<cnc-list@cnc-list.com> wrote:
Hello all
Well I just got my insurance bill from boat US and it
went up 238$ a pretty big increase. I called to ask why and they
said it was nothing on my end rates just went up. I am wondering if
everybody else got raised as well? I tried to increase my deductible
which is zero, to say 4% or so to lower my rates. They said they
can't do that because they have a automatic lowering of the
deductible over time and once it reaches zero it must stay there.
Sounds like they just want to keep the bill up! 1100$ for 40k, might
have to start shopping, any feedback?
Gary K
"Liberty" 1976 38' MKll
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