Boat Insurance – Safeguarding From Undesirable Eventualities

There are many people who have their own boats and use it for a variety of purposes like fishing, transport and so on. Having invested in this mode of transport, it is also essential to safeguard it. Hence, the need for boat insurance. This form of insurance protects the boats from any untoward natural calamities or events like flood, storm and so on. One need not necessarily have to purchase an expensive boat insurance policy. There are affordable ones available in the market that will offer the same coverage. It is possible to get affordable boat insurance and that too without having to shell out a fortune. The only way to go about this is research and spending some time browsing the internet.

The research should not take into account the quotes provided and the coverage of the policy, but should also be able to guide you on how to apply for these quotes. You may either choose to do all this on your own or take the help of an insurance broker. When you identify a broker, the broker may tend to force you into purchasing a policy from the company that gives him good commission. But if you are clear that you cannot spend much, then you are left with the only option of doing a thorough research all by yourself. Also, when ordering the policy online, you also get the benefit of good discounts or rebates.

Once you have identified insurance websites that offer these policies, you have to fill in the requisite information and submit the details online. By just remaining in the comfort zone of your home, you can purchase the policy and you also save on commuting and other travel expenses. Within minutes, you will also have the boat insurance policy emailed to you.

Just make sure that the insurance provider is a genuine one. Check out reviews posted by the clients about the company. If you have the sole ownership of the boat, then you should not compromise on the coverage. You may also check with friends or relatives if they have purchased a similar policy. There are many types of boat insurance like fishing boat insurance, yachts insurance of boat and racing boats insurance. You may want to check out for specialised insurance of boat policies, so that you are adequately covered.

Yachts insurance and racing boats insurance are different from a normal insurance of boat policy. Find out whether the insurance of boat policy covers your fishing tackle, fishing boat etc. Check out for competitive prices available in the market. Third party liability is also extended by some insurance companies, and in the event of the passengers getting injured or hurt, the insurance policy will provide adequate coverage. Preferably go in for a company that has competitive staff to process the insurance claims and who are well read about claim processing and the process involved in insurance of boat compensation.

Concert Review: Colt Ford at the Blue Note With Tyler Farr and Sunny Ledfurd

Colt Ford stopped into Columbia Missouri on November 4th for a rockin’ concert at the Blue Note. Featuring artists Tyler Farr, and Sunny Ledfurd, this was one of the best shows at the venue this season.

I arrived at the Blue Note about 30 minutes before the doors opened, and the crowd was lined up around the building. We don’t get too many country concerts here in Columbia, so this wasn’t the usual crowd. There was nothing but camouflage and cowboy hats as far as the eye could see, and everyone in line was filled with eager anticipation.

When we got inside, I immediately ordered a pitcher of beer and prepared for the nights first performance. A half hour or so later, Tyler Farr took the stage with a baseball cap and an acoustic guitar. Tyler plays a more traditional style of country music, and it reminds me of the classics from the early nineties. Tyler has a very mature singing voice for looking so young. Some of his best songs were “Camouflage”, a song about his upbringing and country heritage, and “It’s a Huntin’ Thang”, a feel good song about hunting season. Tyler’s songs featured impressive rock solos laced between the twang of a slide guitar and his classic country vocals. During one song toward the end of Tyler’s set, Colt Ford made an appearance to tremendous applause.

Next up was Sunny Ledfurd, a country rock hybrid band from North Carolina. Most of Sunny’s songs are about partying, and of all three bands featured in the show they were my personal favorite. Sunny Ledfurd is famously featured in the Colt Ford song “Waffle House”, where he provides the vocals for the song’s chorus, but his solo offerings are absolutely worth a listen. “Till I Get To My Driveway” is a song about the journey from the bar to the after party, with some bumps in between. “Pontoon Boat” is an ode to chilling on the lake in the old Pontoon Boat, but definitely not a song for Jack Johnson fans. By far my favorite song Sunny performed was “Jim Sharp”, a tribute to the famous Texan bull rider, and I was singing “Ya God Damn Right Jim Sharp” for the next several days. Sunny Ledfurd is the perfect balance of rock and country, making for some great party music.

Finally Colt Ford took the stage and the crowd went wild. Colt has a large band, which compliments his stature. Several of the members are from various parts of Missouri, including the drummer who actually hails straight from Columbia. It wasn’t long before Colt and his band were belting out classics such as “The Devil Went Down to Georgia”, and their own songs such as fan favorite “Chicken and Biscuits”. Colt’s music is an unusual mix of country and hip hop fusing into one of the most unique musical styles I’ve ever heard. It’s obvious Colt and his band care about their fans immensely, and he altered the lyrics of almost every song to reference MIssouri and Columbia. The crowd ate it up and everyone was singing along. Colt and his drummer traded places at one point to play a cover of “Rock N Roll All Night” by KISS, and Colt was surprisingly amazing on the drums. The entire band received introductions and had a chance to showcase their instrumental prowess through some amazing solos, with my favorites coming from the violinist and lead guitarist.

Colt Ford said his goodbyes and left the stage, but the crowd would have none of it. Everyone in the venue started chanting “Colt Ford! Colt Ford!” and just a few minutes later the band came back out(this time with Sunny Ledfurd) and everyone knew it was time to get down at the “Waffle House”. “Waffle House” is a song about a gun, a cheatin’ woman, and the perfect spot for a late night confrontation. The song ended and the concert with it, but this was absolutely one of the best shows this year.

Boat Insurance – The Key Factors That Determine Your Quote!

This marine insurance article reviews the key price calculation factors that will ultimately determine the boat insurance quotation for inland waterways vessels. Whether you own a dutch barge, narrowboat, houseboat or other type of barge in insurance terms the vast majority of boat insurance companies will categorise them as the same. The reason for this is perhaps partly due to simplicity (there are already too many boat types the boat insurance companies have to create and maintain premium calculation rules for!), but actually the key reason is because the inherent risk of a claim between these categories is very similar. Luckily if you own a barge this immediately guarantees you lower rates of insurance levy, with fast powerboats/ yachts attracting the highest levies for obvious reasons (greater speed = greater claims!). Regardless of boat insurance category however all good boat insurance companies will firstly offer you the option of either comprehensive or third party only insurance.

As you might guess this option is actually the single biggest criteria in determining your insurance cost as you are effectively stating whether the insurer must pay a claim on one or two vessels in the event of an incident and you are found at fault. Third party insurances are usually calculated as a fixed price, but assuming you select comprehensive insurance, the second key factor determining the price of any boat insurance quote is inevitably the total value of your vessel. Insurance companies literally take the value of the vessel (plus an additional quoted items you state for coverage e.g. generator, ouboard) and multiply it by a specific percentage rate (i.e. vessel value x 0.#%). When it comes to inland waterways insurance the rate applied is normally fairly static however the rate can be on a sliding scale (i.e. reducing gradually for higher valued boats) but also age may well be classed as a factor (i.e. as boats age the probability of hull disrepair increases the likelihood of accidental sinking). The third key factor that will affect your quote will be (similar to most insurance types), years no claims bonus. Most insurers provide 5 years but some do provide 6 years. For each and every year without a claim a percentage will be knocked off your final insurance cost up to the maximum number of years. The remaining factors determining your insurance cost are often then optional. Clearly taking up additional optional items incurs a cost (or risk) for the insurer and as a result inevitably affects the price;

  • Breakdown cover (usually a fixed price)
  • Contents cover (depends on the type and value of contents being covered & normally requires direct contact with insurance staff)
  • No claims bonus protection (when available at a small percentage rate)

Finally there are also one or two other factors which may be taken into consideration (this all depends on individual insurers) which perhaps don’t affect a majority but inevitably will affect some. For example, not having a mooring (roaming boats are of greater risk to insurers due to increased movement) or requirement for access to tidal areas e.g. on the River Severn near Gloucester, UK for instance. Somewhat surprisingly whilst most insurers will stipulate an age of 18 or over, thereafter age is not a factor upon boat insurance cost. Those over 70 however may find exemptions from personal injury claims.