Why Boat insurance SUCKS

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#BoatLife #Travel

We're starting our 6th year as liveaboard offshore sailors. And without a doubt, yacht insurance has been the most unexpected pain in the arse!

And it’s not just us, it’s every offshore USA flagged boat owner we talk to. Yacht insurance as an American sailor abroad just kinda sucks. Especially in the South Pacific (for some odd reason). I can’t offer up any words of wisdom on how to fix this mind-bending insurance system, but we have learned a lot on how to best present ourselves and our vessel.

Of course, we are NOT experts and there is still a lot we don’t know. But, if you’re a newbie buying your first boat or a fellow sailor struggling to get offshore, bluewater, around-the-world coverage, hopefully, this information will make the process suck a little less.

WHO ARE WE?

We’re Jason and Nikki Wynn. We been living #OffTheGrid and exploring the world for 10 years.
Our first six years of travel were an epic road trip around North America.
Now we’re on a #sailing voyage about the world. Did we have any previous sailing experience, of course not!
Neither of us is overly talented, smart, rich, lucky, or retired. But that doesn’t stop us from reaching far-flung destinations, having wild #adventures and managing everything that makes living aboard a moving vessel possible.
We’re two ordinary people that just so happen to live an extraordinary life.
And this is why we publish our lives on the world wide web. We share in hopes of inspiring you to find your adventure.

Timestamps if you like to Jump Around:

00:00 Sunrise & Yacht Insurance Sucks
01:50 Insurance is Cancelled & Finding New Insurance
02:47 Why We NEED Sailboat Insurance
05:30 The Worst Yacht Insurance Story
06:57 How We Search for Insurance
07:50 SURFSHARK.DEALS/WYNNS
08:48 Insurance Year 1 as a New Sailor
09:31 Insurance Cancelled EVERY Year (US Sailboat)
10:11 Cost of Around The World Yacht Insurance
10:49 Why Yacht Insurance Cost So Much
11:39 Tips to Apply for Boat Insurance
12:39 2 BIGGEST Tips to Save Money on Insurance
14:14 Why Deal With This Hassle to Sail Around the World?
15:24 Bloopers

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#Catamaran

© Gone With the Wynns 2021

[drop]

I know you guys are going through your own set of problems in 20-21, but just know that your videos have given me at least a couple of minutes respite during these hard times. I'm pretty sure I'm not alone saying that. Keep your chin up guys. Love what you do.

[Daniel-lfvj]

Love you guys My wife and I bought our sailboat last year after being inspired by you guys and on the maiden voyage home we ran hard aground, had to get a three boat tandem tow due to loss of the rudder and have hull damage and grid seperation, total quoted expense $60000 and we had insurance and they cut a check for $60000. Our sailing dreams were almost over after the first voyage, but thankfully having insurance and its just a stepping stone toward our dreams. Repairs had to be done by proffesionals and have to be inspected, so our boat will be back in tip top shape soon

[lauriefrancisco]

Thanks for all the info. As someone considering a liveaboard lifestyle as a single older female, you have now scared the crap out of me! And appreciated the outtakes. I had no idea you went through so much to make your videos. I'm fascinated by how you seem to stay so upbeat and laugh through anything! If you're that way even off camera, what a great way to live!

[gjef]

Been following you since your motorhome travel days. Keep up the great content. Love your channel guys.

[ozzmanzz]

I have watched a lot of sailing channels but have never heard anyone talking about this topic. Very important stuff to consider, thanks for posting.

[sailingcaro]

I feel very inspired and humbled by your skillset in telling a story, shooting videos, editing, doing after effects, choosing music and soundeffects to underpin everything, and at the same time sharing insights, ups and downs of the life you have chosen.

[jcsmith]

Seems like the takeaway from your friends experience where their boat washed ashore at a Marine Park is before you abandon ship, scuttle it. Hindsight is always 20/20 and when you're in the moment you probably just want to get out and away. So I understand all that. Seems like your best bet is to create a disaster plan. In the event of needing to abandon ship, before exiting the ship ensure she's taking on enough water so she goes down. You're guaranteed to lose everything (you probably were already anyway) but she won't wash ashore if she's an artificial reef miles out to sea.

[scottbinder]

Always fun to watch. Thanks for taking your viewers along on your adventures (those that are fun and those that are not so fun). Loved the bloopers - the human side is always appreciated and fun to watch.

[EricEpstein]

As a licensed captain, boat owner and partner in a marine services company, I can attest that your insurance post is 'spot on' and one of the most accurate references for getting insurance these days. I will be passing the link to my customers. As always, your sound and lighting are incredibly good, especially for the dynamic environment you film in. Great job as always!

[daviddolin]

Thanks for taking the time to provide this information. We look forward to hearing from you each week. Stay safe!

[gonewiththewynns]

The big question seems to be: why not flag Curiosity in a country besides the United States with more favorable insurance rates? There's a lot of info on that if you Google it, but there are several huge things to consider: one is that your vessel is now bound by the laws of whatever country you choose, and it can also affect where you're allowed to travel (as in, 2 countries with bad relations prohibit vessel entry into each others' territories). You will also lose the protections that U.S. citizens aboard a U.S. Coast Guard registered vessel are given.
Curious Minion

[MIDTOWNE]

If you could get insurance on the cleanliness of a boat then you guys would win hands down. No knock to any others and I know it's just you two so it's probably pretty easy but you guys have the cleanest boat on Youtube and it may not mean a lot to others but me being my mother's child and her propensity to have and notice a clean environment having passed to me I definitely noticed and appreciated it.

[wallyrodriguez]

I think that the way you’re using the drone as a platform, resisting the temptation of flying all over, is really cool. Drones are great ways to get cool shots just sitting in one spot.

[ttrpgsailor]

I cannot say thank you enough for this! We used the video and the blog to help get our insurance, and without it I do not think we would have succeeded! Thank you for all the help!

[jciii]

First let me say that was an interesting topic. I'll never complain about car or house insurance again. Pushing him off the boat was wonderful, total surprise for everyone. And in the interest of full disclosure, that suit fits you well and that was wonderful. Has he got you back yet? Did he film it?

[wxx]

In 7 years I've had two marine insurance companies get out of the business. A real pain, more money and worse, the survey, a $2, 000 deal on the west coast including haul out.
I never had insurance for my two ocean passages.
Your comments at 04:00 are EXACTLY why I insurance companies have high price for passages, too many people abandon their boat while it's still floating. Just a few years ago a high visibility sailing family did so of the coast of California for being seasick.

[LetsGoRoadTrippin]

I love that you have been adding bloopers. I can tell you are both much less stressed :)

[john-peterhundt]

Nice mix. Some facts and some fun times. I'll never be able to own a boat so I need you two for the fun times. Has it been 6 years! I was with you when you had the motorhome. I've gotten to love the both of you over the years. I think you have become the surrogates for many of us. Please keep us in the loop.

[amosjsoma]

If it's this hard to buy insurance, just imagine how difficult it would be to collect on a claim.

[DerekSiddle]

Since discovering your channel I have watched so many of your adventures. Great stuff indeed! Keep the videos coming and enjoy every moment.