I may be stunned, what with living in Eastern Canada and all, but I don't understand the difficulty with the insurance question. My insurance covers me for both self inflicted silliness like repairs resulting from running aground, and also provides me with some monetary protection in the event I am held accountable for physical damage to other persons or their property, whether I am racing, cruising or at anchor. All in all, a very sensible thing to have in my opinion.
Rich > On Apr 6, 2014, at 0:49, Russ & Melody <russ...@telus.net> wrote: > > Hi John, > > That's my point. > > I have the proper insurance. > > I am bemused why the pointy heads insist that I protect my asset...because > it's in the Sailing Instructions?!! and that makes it right? It is a simple > fact that you should buy insurance to protect yourself. Maybe it's the herd > instinct, "I have it, so should everybody." > > I buy insurance to protect my net worth, not yours! > > Why is this so difficult for people to understand? In the old days an > insurance guy would distract you with terms fancy terms and threaten that you > could not collect on a judgement if the "other guy" wasn't insured. But > under-insured protection, it is standard in my policy, has thrown out that > argument a long time ago. But the mystery remains.. > > Cheers, Russ > Sweet 35 mk-1 > > > At 08:31 PM 05/04/2014, you wrote: >> If you are a racer, you should have the integrity to get the proper >> insurance. >> >> John McLaughlin >> C&C29MKII >> "Falcon" >> >> >> >> -----Original Message----- >> From: Russ & Melody <russ...@telus.net> >> To: cnc-list <cnc-list@cnc-list.com> >> Sent: Sat, Apr 5, 2014 8:51 pm >> Subject: Re: Stus-List Whisker pole - Now racing insurance? >> >> Hi John, >> >> The prevalent attitude that forces other people to buy insurance to protect >> themselves really confuses me. >> >> I have insurance and it includes under-insured protection, so I'm covered. >> It doesn't matter if the other guy won't carry insurance. In the case of an >> incident my policy will cover off my losses. If the insurance company wants >> to recover then they go after the other guy, I don't need nor am I entitled >> to. >> >> Cheers, Russ >> Sweet 35 mk-1 >> >> >> At 07:39 PM 04/04/2014, you wrote: >>> I certainly would not race against uninsured boats. >>> >>> John McLaughlin >>> C&C29-2 >>> "Falcon" >>> >>> >>> -----Original Message----- >>> From: Dennis C. <capt...@gmail.com> >>> To: CnClist <cnc-list@cnc-list.com > >>> Sent: Fri, Apr 4, 2014 6:59 pm >>> Subject: Re: Stus-List Whisker pole - Now racing insurance? >>> >>> Guess I'm in a weird area. Louisiana is fairly litigious but I've never >>> been asked for insurance for dockage or racing. For racing, a valid PHRF >>> certificate is all I've been asked for. We occasionally have to sign a >>> liability waiver for some races. >>> >>> I have been asked for it for dockage in Florida. >>> >>> I think the race organizers around here think that the USSailing coverage >>> is adequate. >>> >>> Dennis C. >>> >>> >>> On Fri, Apr 4, 2014 at 5:50 PM, Rick Taillieu <rtaill...@eastlink.ca> wrote: >>> Dennis, >>> >>> Pretty much all the clubs in the area require at least $1 million liability >>> insurance. >>> My club requires a current copy of the insurance certificate to be on file >>> in the office to keep a boat here. >>> >>> Rick Taillieu >>> Nemesis >>> '75 C&C 25 #371 >>> Shearwater Yacht Club >>> Halifax, NS. >>> >>> >>> >>> From: CnC-List [ mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Dennis >>> C. >>> Sent: April-04-14 17:53 >>> To: CnClist >>> Subject: Re: Stus-List Whisker pole - Now racing insurance? >>> >>> Mike, >>> $2 million insurance? Hmmm. Interesting policy. >>> How many other racing organizers require insurance? I've never had to show >>> in any race in my area. >>> >>> Dennis C. >>> Touche' 35-1 #83 >>> Mandeville, LA >>> >>> On Fri, Apr 4, 2014 at 2:15 PM, Michael Brown <m...@tkg.ca> wrote: >>> Well, $100 was pretty cheap. I have a twist lock that I may sell. Since >>> getting the >>> larger line control I have not used it much. As mentioned earlier, even at >>> 17' it >>> is small for a #1. >>> If you would like to race National Yacht Club has a policy of welcoming >>> racers from >>> nearby clubs to join us for week night racing. You could race NFS on >>> Tuesdays, FS >>> on Wednesday, and there is a special beginners NFS on Thursdays. NYC also >>> starts >>> the race for the Alexandra Yacht Club on Thursdays. We have two "Around the >>> Island" weekend races a year with an open invitation. You will need a >>> PHRF-LO >>> certificate and show $2M insurance coverage. >>> If you are getting brave I have a spinnaker I could loan you. >>> Mike >>> >>> Date: Fri, 4 Apr 2014 14:51:44 -0400 >>> From: Stevan Plavsa <stevanpla...@gmail.com > >>> To: "cnc-list@cnc-list.com " <cnc-list@cnc-list.com> >>> Subject: Re: Stus-List Whisker pole - 32 >>> Message-ID: >>> < caddevn5ebva9ow1xprcexszmf91jv+jz-thgsuxvrzgsmbe...@mail.gmail.com > >>> Content-Type: text/plain; charset="iso-8859-1" >>> Thanks Dwight. I haven't raced the boat yet (except for some fun races the >>> club hosts annually). The keelboat racing scene at our small club is >>> dwindling but yeah, I plan to participate in the weekly races this year. >>> Steve >>> Suhana, C&C 32 >>> Toronto >>> >>> >>> _______________________________________________ >>> This List is provided by the C&C Photo Album >>> http://www.cncphotoalbum.com >>> CnC-List@cnc-list.com >>> >>> No virus found in this message. >>> Checked by AVG - www.avg.com >>> Version: 2014.0.4355 / Virus Database: 3722/7302 - Release Date: 04/04/14 >>> _______________________________________________ >>> This List is provided by the C&C Photo Album >>> http://www.cncphotoalbum.com >>> CnC-List@cnc-list.com >>> >>> >>> >>> _______________________________________________ >>> This List is provided by the C&C Photo Album >>> http://www.cncphotoalbum.com >>> CnC-List@cnc-list.com >>> >>> _______________________________________________ >>> This List is provided by the C&C Photo Album >>> http://www.cncphotoalbum.com >>> CnC-List@cnc-list.com >> >> _______________________________________________ >> This List is provided by the C&C Photo Album >> http://www.cncphotoalbum.com >> CnC-List@cnc-list.com >> >> _______________________________________________ >> This List is provided by the C&C Photo Album >> http://www.cncphotoalbum.com >> CnC-List@cnc-list.com > _______________________________________________ > This List is provided by the C&C Photo Album > http://www.cncphotoalbum.com > CnC-List@cnc-list.com
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