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Thread: Insurance that likes Cuba

  1. #1
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    Default Insurance that likes Cuba

    Insurance time once again and despite my 12 years of no claims my insurance company turned me down because I want to try and cruise Cuba this year. They limit the time to 7 days there and will not budge. I need about a month there to make a Cruising Cuba video. So does anyone have suggestions for a broker or insurance company who likes Cuba a bit more?
    Safe Sailing
    Paul
    Blog: www.suliere.com

  2. #2
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    Default Re: Insurance that likes Cuba

    Try Admiral. We've already spoken to them about Cuba and they were fine about it. More expensive than the Leewards and Windwards - but that's to be expected.


  3. #3
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    Default Re: Insurance that likes Cuba

    Cheap end, try CraftInsure. They are very well spoken of and are said to cover most things if asked.

    Otherwise ask Pantaenius, reputation as very reliable, willing to consider individual cases apparently. Dearer, but not excessively so when I checked, I'm a satisfied user but of course with no special insurance needs.

    Mike
    Nothing works on an old boat, except the skipper.

  4. #4
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    Default Re: Insurance that likes Cuba

    Thanks for those suggestions. I am onto the case with them right now.
    Safe Sailing
    Paul
    Blog: www.suliere.com

  5. #5
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    Default Re: Insurance that likes Cuba

    I talked to CraftInsure at the boat show, as I actually use them for my insurance.

    They were very happy about the mediterranean, and were prepared to talk about the atlantic, but got very uncomfortable when I started talking about the pacific.
    Insanity is continuing to do the same thing and expecting different results

  6. #6
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    Default Re: Insurance that likes Cuba

    Talbot... As Karen suggested, talk to Admiral. They are very good at world-wide coverage. Just about the only thing they don't like is bareboat charter (understandably!) Their MD is - or was - a Catana owner so they understand cats.

  7. #7
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    Default Re: Insurance that likes Cuba

    The Admiral chap that Mike (Jeannius) refers to is indeed a keen sailor - knows multihulls well. We first met him on a Sea Survival course many years ago - and liked him. More recently he's sailed the Pacific. He's a good man to deal with. We also know of folk who scuppered their new boat (by accident, I hasten to add!) after only a week of ownership, and Admiral looked after them brilliantly.

    Admiral's website


  8. #8
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    Default Re: Insurance that likes Cuba

    Quote Originally Posted by Jeannius View Post
    Talbot... As Karen suggested, talk to Admiral. They are very good at world-wide coverage. Just about the only thing they don't like is bareboat charter (understandably!) Their MD is - or was - a Catana owner so they understand cats.
    Any idea what their response is to single handing?
    Insanity is continuing to do the same thing and expecting different results

  9. #9
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    Default Re: Insurance that likes Cuba

    Quote Originally Posted by Talbot View Post
    Any idea what their response is to single handing?
    Not sure about single-handing but they only insisted on 2 of us aboard Jeannius going around the world. They wanted 3 aboard a 40ft mono!

  10. #10
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    Default Re: Insurance that likes Cuba

    Talking to Admiral - they certainly know their cruising - far better to speak than an insurance clerk who has never been on a boat but the problem is that the first quote to include Cuba is about 11,000 as against my current renewal of 6,600 that allows 14 days in Cuba. an extra 14 days pr sp I'm Cuba is not worth 5,500.

    Admiral would also allow me to be on the hard in a new yard in Antigua thus avoiding a ground hog year with having to return there again next hurricane season.

    I hope we can reach an agreement with Admiral.
    Safe Sailing
    Paul
    Blog: www.suliere.com

  11. Default Re: Insurance that likes Cuba

    Quote Originally Posted by Talbot View Post
    Any idea what their response is to single handing?
    The problem with single handing is that if you do it for periods of more than 24 hours, your're breaking maritme law for failing to maintain an adequate watch (please don't ask me to look it up). So any reputable insurance company won't cover it. They'll often cover periods of up to 24 hours/island hopping, since most of us can pull an all-nighter once in a while. Even if the policy language does not specificially forbid single handing, you will probably find some language in the policy about "seaworthiness". In a court of (admiralty) law, failing to have the vessel staffed with adequate number of crew for the intended passgae would make it unseaworthy.

  12. #12
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    Default Re: Insurance that likes Cuba

    Admiral have now dropped out of the running so the issue continues as we travel to Grenada- still had a month to settle it.
    Safe Sailing
    Paul
    Blog: www.suliere.com

  13. #13
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    Default Re: Insurance that likes Cuba

    Paul,

    Commandeur insurance will allow Cuba travel and has reasonable rates.

    Mark
    Mark Cole
    Manta 40 "Reach"
    www.svreach.com

  14. Default Re: Insurance that likes Cuba

    Quote Originally Posted by colemj View Post
    Paul,

    Commandeur insurance will allow Cuba travel and has reasonable rates.

    Mark
    Their policy contains an exclusion for injuries to guests aboard your vessel. So if you have happy hour on your boat, and someone has a few too many and trips and sues you for the medical bills, you are not covered. I believe they have recently started adding an endorsement for an additional premium (if you know to ask for it) that will remove the exclusion.

    Regards,
    Susan

  15. #15
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    Default Re: Insurance that likes Cuba

    Yes, that is correct. However, you can cover yourself in this area with a simple, inexpensive umbrella policy for $100/yr or less.

    Or you can consider that any drunk who hurts themselves falling down on your boat will have to pursue their claim in a foreign court system under foreign laws using foreign attorneys and will probably run out of patience and money in the process.

    Most foreign law systems do not accommodate frivolous personal injury claims like the US system.

    It is a moot point anyhow, since the US companies that cover 3rd party liability don't cover Cuba.

    Mark
    Mark Cole
    Manta 40 "Reach"
    www.svreach.com

  16. Default Re: Insurance that likes Cuba

    Quote Originally Posted by colemj View Post
    It is a moot point anyhow, since the US companies that cover 3rd party liability don't cover Cuba.

    Mark
    Who says you have to go with a US company? In addition to working with US companies, I can get quotes from A rated companies like Osprey, Lloyds, and Pantaenius UK that will cover Cuba AND cover guests while they are on your vessel. (Panteanius UK has some citizenship restrictions though). Eventually US insurance companies will cover Cuba, but not until after US law and the USCG make it easier for US vessels to visit there. I've written lots of Cuba navigation coverage for Canadian and European customers, it's just an unfortunate situation for US cruisers right now.

    Fair Winds,
    Susan
    s/v TabbyCat

  17. #17

    Default Re: Insurance that likes Cuba

    www.falveyyachts.com

    as far as I know, they insure Cuba.

    fill out an online quote request, and find out.

    regards, Peter / catamaran specialist / yacht broker

    peterw@yacht.com

  18. #18

    Default Re: Insurance that likes Cuba

    Quote Originally Posted by ForumAdmin View Post
    Insurance time once again and despite my 12 years of no claims my insurance company turned me down because I want to try and cruise Cuba this year. They limit the time to 7 days there and will not budge. I need about a month there to make a Cruising Cuba video. So does anyone have suggestions for a broker or insurance company who likes Cuba a bit more?
    Try Yachting 24 in Hamburg They are part of Pantaneous. I would love to cruise Cuba. Been on holiday there lots ,love the place and the people. If you get the video made would love to see it

  19. #19

    Default Re: Insurance that likes Cuba

    Hello, I am from Velos Insurance Services in London and we are happy to provide terms for blue water cruising whenever we can be of assistance. We certainly will do our best to tailor a policy to your requirements.

    If you click on the link below it will take you straight to our on-line enquiry form:
    http://www.velosinsurance.co.uk/quot...rm.asp?aff=128

    It may be worth checking us out prior to your next renewal.
    Liz McGuire

  20. #20
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    Default Re: Insurance that likes Cuba

    Quote Originally Posted by liz.mcguire View Post
    Hello, I am from Velos Insurance Services in London and we are happy to provide terms for blue water cruising whenever we can be of assistance. We certainly will do our best to tailor a policy to your requirements.
    It may be worth checking us out prior to your next renewal.
    Liz McGuire
    Liz

    What is your attitude to single handers or couples on blue water cruises?
    Insanity is continuing to do the same thing and expecting different results

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