Published on June 29, 2018 | by Andrea Guerriero0
Getting a Boat License to Cruise the World
It can be a lot of fun to own a boat, you can charter your own vessel and see some amazing places across the world
We recommended Boat License experts Båtførerkurset with a fantastic ‘boat driver test course’ or in Norwegian “båtførerprøven kurs” Båtførerkurset are based in Norway where you can sail the wonderous Fjords waterways and experience their majesty. They do a fantastic ‘online boat driver test’ to help you gain your boat license. This is a fantastic online experience with interactive videos, games and great quality engaging content that will give you all you need to take the boat driving test, then gain your license and get ready to get out on the waterways.
Having a boat license will open up the sea of the world to you and you will be able to have many adventures across the lands from Norways Fjords to The French Riviera see here for some amazing places you can take your new found sailing toy.
Boat insurance, is also something you must get, an accident can quickly turn into a nightmare. When shopping for boat insurance, consumers can follow several tips, and in doing so, can make sure they get the insurance that is perfect for their situation.
After purchasing a new boat, many consumers make the mistake of immediately calling their current insurance agency and purchasing coverage. A number of general providers don’t have a lot of experience dealing with boat coverage.
Lets look at some policies you will be offered. An agreed-amount insurance policy provides coverage for a specific amount, which is set when the insurance policy is created. The agreed amount is whatever amount both parties think the vessel is worth. In the event of a total loss, the agreed amount is what is paid to the policy holder. Agreed-amount insurance policies can also cover old items, and in most cases, the policy holder can be paid for the items without being penalized for depreciation or deduction.
Many consumers choose what is called an actual-cash-value policy, which will pay for replacement costs but not depreciation. For example, if a boat is considered a total loss, the insurance company will compensate the policy holder for the boat’s used value. This type of boat insurance doesn’t cost as much as agreed-value insurance policies, but it’s also quite a bit cheaper. If a consumer isn’t happy with their vessel’s used price, then they should probably go with an agreed-value insurance policy.
When shopping for boat insurance, it’s important to identify mandatory and additional coverage.
- Boat liability coverage is mandatory for consumers who are financing a boat. Most states require this form of coverage, and it covers damage done to other people and boats.
- Personal effects coverage will insure all personal items on the policy holder’s boat. For example, radios, cameras, cell phones, televisions and other personal items can be replaced by this coverage. However, most general insurers don’t provide this form of coverage.
- Physical damage coverage is basically the meat and potatoes of insurance coverage. Consumers should check to make sure this coverage actually compensates for the boat’s trailer, engine and hull. This is the coverage that also protects boat owners from collisions, windstorms, lightning, theft and vandalism.
- Medical liability coverage is another option, and it pays for hospital and ambulance costs when someone is injured while leaving or boarding the policy holder’s boat.
- Uninsured boat coverage is what protects a policy holder when their vessel becomes the victim of a hit and run, and it also protects the policy holder when his or her boat is hit by a boat owner who doesn’t have insurance.
- Salvage coverage will pay for the retrieval of a vessel that has been claimed by a body of water. This form of coverage is usually required for most rivers and lakes.
- Spill coverage will protect the policy holder from the cost of cleaning fuel or oil spills that might happen.
- Commercial towing coverage is great because it pays for towing. For example, if the policy holder’s boat stalls and needs to be towed, this coverage will pay for everything. In the event the policy holder’s vessel becomes grounded, this insurance will also pay for towing.
It’s important to do some research on desirable insurance providers; consumers should check for negative reviews and see if their chosen insurance provider is stable.