Following up on Hal Levine's response to George Bergeron, in which Hal said --- I just checked out my insurance coverage for my kayaks. What I found was very interesting. It seems that boats carried on the roof are NOT covered by auto insurance. They are covered by homeowners or renters insurance. My company covers only up to $1000 total. Since we often carry two kevlar boats and the associated gear my potential for loss was much greater. I was able to get a boat owners policy that gave me full coverage on boats and equipment for less than $75. Did the same with my carrier, United Service Automobile Association (USAA). Came up with similar and some dissimilar information --- - my homeowner's policy covers the kayak for up to $1000 from fire and similar damage or loss <while it's in the house> - and from wind and hail damage <while it's in a building or secured area>. But nothing while I'm out paddling or on a trip. USAA provides a broad spectrum of coverage, and, while the kayak's on my car, the "third party" damage clause for the auto insurance provides me liability insurance --- e.g., the boat flies off the rack and through somone's windscreen --- at my elected level of liability coverage for the car. If it simply comes apart on the pavement, it's my problem, but, thinking about the image of a 65 mph airborne VCP Pintail on a crowded Interstate, that liability coverage becomes pretty significant! USAA <can> sell me boatowner's insurance, but they have to be able to determine the value of the boat, and that's where it gets interesting. They use two sources for evaluation --- something called the "Buck Book" and another called ABOS --- and VCP boats are (I guess, not surprisingly) conspicuous by their absence from these source books. So, two questions. For Hal: would you mind sharing the source for your $75 quote? And, generally, does anyone know of a good, generally accepted source for evaluating a used kayak --- and, more specifically, I guess, for used Brit-boats, if there's a difference? This is an excellent and timely thread --- thanks to those who started it! Jack "Joq" Martin *************************************************************************** PaddleWise Paddling Mailing List Submissions: paddlewise_at_lists.intelenet.net Subscriptions: paddlewise-request_at_lists.intelenet.net Website: http://www.gasp-seakayak.net/paddlewise/ ***************************************************************************Received on Mon Apr 13 1998 - 07:30:56 PDT
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