Sail Away - September 2006 - Sail Magazine

Sail Away - September 2006

Should You Insure Your Trip?Your charter company can and will go to great lengths to ensure that your sailing vacation is all you hoped it would be, but no charter company can ensure that you and/or your crew will not be subject to the slings and arrows of life. Nor, of course, can an insurance company. But travel insurance can make sure that you don’t pay extra for
Author:
Updated:
Original:

Should You Insure Your Trip?

Your charter company can and will go to great lengths to ensure that your sailing vacation is all you hoped it would be, but no charter company can ensure that you and/or your crew will not be subject to the slings and arrows of life. Nor, of course, can an insurance company. But travel insurance can make sure that you don’t pay extra for missing all or part of your charter.

Kelly P. Sahner, of BerkleyCare, a third-party insurance administrator that has designed travel-insurance packages for The Moorings, Sunsail, and other bareboat companies, told me that trip-cancellation protection is the major reason people buy travel insurance. This covers you if you must cancel your trip because of the illness, injury, or death of an immediate family member, business partner, or crewmember. Other significant areas of coverage include trip interruption for any of the above reasons, trip delay (for a variety of reasons), medical expenses or emergency evacuation, and baggage loss or delay.

The Moorings’s insurance package, for example, goes into effect 90 days from the day your trip starts (outside 90 days you pay a $300 cancellation fee); the cost is $89.95 per person, and, in this case at least, all members of the charter party (or none) must purchase insurance. The Moorings rep I talked with told me that about 50 percent of charterers elect to purchase insurance; others may be similarly covered through credit-card companies.

Of the charter-specific issues, perhaps the most threatening is the loss of the designated skipper of the bareboat, assuming that he or she is the only one qualified to skipper. I downloaded a travel-protection brochure from www.sunsail.com and found the following statement under predeparture trip-cancellation benefits: “We will pay your additional cost as a result of a change in skipper if your skipper cancels the covered trip for a covered reason and you elect to replace him/her with a skipper provided by Sunsail Sailing Vacations.”

Many bareboat companies have information on their insurance policies on their Web sites. It’s a good idea to check a few to see whether coverage is standard throughout the industry and to identify areas in which you need additional information. If you have any questions about coverage and pricing, call your chosen company’s booking office; most agents are very knowledgeable. Amy Ullrich

Sail Away Archive

Stormy Weather (August 2006)

Charter a Passage (July 2006)

Less is More (June 2006)

Summer in the Islands (May 2006)

Caribbean Notes (April 2006)

Where to Go Now (March 2006)

Wedding Bells (February 2006)

Charter Cats (January 2006)

Related

PICTON CASTLE under sail with stunsls WV7 compressed

Picton Castle Seeks Crew

The Picton Castle is set to begin its eighth circumnavigation this spring under the command of Captain Daniel Moreland. A professional crew of 12 will guide up to 40 trainees at a time as they learn about all aspects of sailing the bark, from steering to lookout, ...read more

DSC_0013

Ask Sail: Keel Attachments

Q: I have an early ‘70s Catalina 27. The keel bolts look pretty good. My question is, why not glass over the keel to bond to the hull rather than changing the bolts if, or when the bolts are too far gone? I haven’t seen anything on this, so could you discuss? Full-keels are ...read more

04-GOPR0511

Book Review: Sailing Into Oblivion

Sailing Into Oblivion by Jerome Rand $15.99, available through Amazon As refreshing and inspiring as Jerome Rand’s 2017-18 solo-circumnavigation may have been, his account of the voyage in the book Sailing Into Oblivion: The Solo Non-Stop Voyage of the Mighty Sparrow may be even ...read more

01-1970-Dec

50 Years of SAIL

Back in early 1970, Bernie Goldhirsh and the recently founded “Institute for the Advancement of Sailing,” publisher of an annual sailboat and gear guide, launched something called SAIL. A half-century later, a look back at the magazine’s first few years provides a glimpse into a ...read more

Photo-by-Adobe-Stockpics721-2048x

Webinar: Navigating Post-Dorian Abaco

On Thursday, October 22 at 6 pm ET, Navigare Yachting presents a webinar on what to expect from Abaco post-Dorian. The event will feature the authors of The Cruising Guide to Abaco, Steve Dodge and his sons Jon and Jeff.Hurricane Dorian hit Abaco in early September of 2019 and ...read more

LunaRossaBoat2

Luna Rossa Prada Pirelli Christens “Boat 2”

Hot on the heels of the UK’s Britannia and the United States’ Patriot, Italy’s new AC75 Luna Rossa, formerly known as Boat 2, was christened in Auckland, New Zealand, this morning. As the moniker suggests, it was Team Luna Rossa Prada Pirelli’s second design. In his christening ...read more

m7803_DSCF6698-1

Challengers Christen Britannia and Patriot

October 16 proved an exciting day for America’s Cup fans with the christening of both the UK’s Britannia and America’s Patriot. Britannia will be helmed by four-time Olympic gold medalist and America’s Cup winner Sir Ben Ainslie. Olympic Gold medalist Giles Scott will serve as ...read more

HookPromo

Defender Product Spotlight: Lowrance Hook Reveal

Defender product expert Alex Lyons explains the benefits of HOOK Reveal’s new FishReveal technology: “DownScan sonar uses high frequencies to provide a picture-like image of the sea floor. The traditional sonar’s lower frequencies are best suited for locating fish in the water ...read more