Insurance named storm avoidance areas

[davethedog]

Hi all,

Had a quote through for us to sail across to the Caribbean etc and understand fully the issue of tropical storms etc and just doing some research in advance.

The pic attached is the policy exclusion part for tropical storms and dates (standard stuff) and just after advice as to where people go to abide by these regulations and maintain cover?



Thanks

DTD

 

[dansaskip]

I went down to Trinidad one year but I know lots of people go to Grenada although that was once hit by a big hurricane once, I can't remember the year. Another time I went down to Panama. I believe the Rio Dulce in Guatemala is also quite popular and I know people who have stayed there. Of course I don't know the current state of visiting any of these places with the Covid situation. Visitors might still be banned or not welcome.

 

[Spirit (of Glenans)]

Using the services of a professional weather router, combined with renting a satphone for real time communication with him(/her) would probably satisfy your insurance provider and even result in a considerably reduced premium.

 

[Spirit (of Glenans)]

I went down to Trinidad one year but I know lots of people go to Grenada although that was once hit by a big hurricane once, I can't remember the year. Another time I went down to Panama. I believe the Rio Dulce in Guatemala is also quite popular and I know people who have stayed there. Of course I don't know the current state of visiting any of these places with the Covid situation. Visitors might still be banned or not welcome.

Post deleted.

 

[RJJ]

Hi all,

Had a quote through for us to sail across to the Caribbean etc and understand fully the issue of tropical storms etc and just doing some research in advance.

The pic attached is the policy exclusion part for tropical storms and dates (standard stuff) and just after advice as to where people go to abide by these regulations and maintain cover?

View attachment 127140

Thanks

DTD

If you take this cover you have three options (in my opinion). It's not a "regulation" it's just a condition if you wish to be insured. You can have this cover and get through the named period, you just have to think it through.

1. Get out of the entire area for the named season. Easy.
2. Move your boat out of the way of any named tropical storm. So either you have to be aboard, or in close reach, or you have to be able to engage a crew quickly etc. Might be more challenging in times of Covid...but then you don't need to go "anywhere"; you can just sail off for a week and come back. Study of tropical storms and their flight paths indicates, I believe, that you can expect two-four days' warning and this is sufficient to get out of the way if you move quickly.
3. You can self-insure and self-protect. Find a hurricane pit and put your boat in it. Or a very sheltered mooring and put out extra ground tackle. Take down all sails, biminis etc. Maybe you'll still have damage, but you can reduce the risk/severity.

In all cases, weigh up the actual risks. Severe tropical storms are more likely in some areas than others.