Why Boat insurance SUCKS
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- Опубліковано 17 лип 2024
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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.
Here are the biggest tips we’ve learned about getting boat insurance: www.gonewiththewynns.com/how-...
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
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.
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.
Might that action cause you problems with your insurance claim?
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!
I’m also a single older female about to begin living aboard, however I’m lucky in that I will be able to retain my home on land but insurance will be an expensive headache.
As others comment, To prevent abandoned vessels at sea coming to grief on land or being a navigation hazard, it is often the best decision to scuttle it prior to abandoning. Brings to mind that saying: ...step up into your life raft/dinghy.
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.
Been following you since your motorhome travel days. Keep up the great content. Love your channel guys.
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
After seeing the American's Biden left behind it doesn't look like the U.S. offers much protection.
The "US protections" are meaningless these days as there aren't any.
So, why Marshall Island? What are the pros and cons?
@@leeway777probably cause no one has been caught with crack in the government offices there... yet.
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
I wonder what your insurance premium will be now? YIKES!
Thanks for taking the time to provide this information. We look forward to hearing from you each week. Stay safe!
Well that settles that, no sail boat in my future.
Back to the rv.
What about a dinghy with sails?
I wouldn't let this video scare you. Thousands of people sail without these issues. Yeah these cats are going to be way more expensive to buy and get insurance for.
@@charonstyxferryman hell; I just rigged my kayak with sails and since I can’t have a trolling motor without registering it; I swear I’m thinking of ways to harness a team of catfish or carp and see how that works.
There’s probably a law already existing about using fish for draft. It’s probably called the anti pestering catfish ordnance.
If it's this hard to buy insurance, just imagine how difficult it would be to collect on a claim.
If you'd like to buy Insurance PRESS 1. If you'd like to file a claim please HOLD.
All of our claim operators are busy helping other callers, stay on the line and our next operator will help you... you are 10th in line. Press 2 to leave a call back number.
@@RVstreet more like if you would like to buy insurance please hold, if you would like to submit a claim press the zebra button on your phone.
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.
I truly appreciate both y'all ❤️ your humor and wit👍 not to mention the editing, story-telling and authentication of self is top notch 🙋✌️🥰
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.
Damn, you actually pulled that off😲, you managed to make a video about insurance, that was worth the watch... I don't know what to think about that🤔
😂😂😂
love watching yall. Thank you for your videos. were getting a boat this summer. cant wait to get out there.
Since discovering your channel I have watched so many of your adventures. Great stuff indeed! Keep the videos coming and enjoy every moment.
For all those worried (like I was) with no post this week & no update, Nikki & Jason decided to have a week off and they deserve a break when they want one 🙂
YT is their biggest social media platform, its where they started and would be their biggest income stream, many subscribers would go on from here to become patreons.
I am sure the average subscriber would think of Nikki & Jason as friends or family, we care if things are going wrong, we worry if they don't turn up for our weekly Sunday visit from them.
But this week I'm a little bit upset, they didn't mention anything about a week off on YT, they happily told people on other social media platforms they wouldn't be posting a video this week but not the subscribers themselves on YT.
People have been posting worried if they are ok, and that's not fair!!
A community post on YT takes no time at all & would have stopped subscribers (friends/family) worrying.
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?
Thanks so much for the inspiration. You guys got me out on the road this year. I loved my adventure. your videos got me though the pandemic lockdown. Great to travel the world just being on the couch. You inspired me to do something myself. Thanks!
Your storytelling and film editing are awesome. Thank you so much for the inspiration and entertainment.
I love that you have been adding bloopers. I can tell you are both much less stressed :)
Congrats, here is to another successful and fun year!
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.
Love the bloopers! You make it look so effortless until you show what It really takes behind the scenes. Thanks for all the information and of course the great scenery! 🎥🏝
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!
Awesome! Glad you think it's useful!
@@gonewiththewynns Gonna be honest, not sure why people use US insurance providers. The insurance companies in the United States are notorious for being either mediocre or some of the worst. If you want the best insurance whether its your life insurance or home/sailing boat insurance, Australia is among the best insurers in the world alongside Norway and Denmark.
Additionally, when you consider the exchange rate, the US dollar gives you some benefit when exchanging to Australian dollar or any other currency which is a boon.
I used to work for an insurance company in Australia so that's my two cents :)
Y’all are so stinking cute! Even when y’all are upset, or things go wrong, y’all both keep a positive attitude.... 😀
Great videos guys 👏🏻 since i found (recently) I haven't missed any of them!
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!
Really 6 years? Wow I remember the off load in Florida to the boat. Times does really fly😊 Great video as always.
Have the Wynns gone again, did I miss something? It's Monday 🤔
And now it's Wednesday already, no Wynns🤔Hope all is OK, we miss you😥
Friday and no Wynns😥???
Thank you for the video. I am sure glad you finally were able to get insurance coverage. That must be very frustrating. Keep having fun. ⛵
❤️ the glimpse into your photography and video gear at the end .... hard work, but great results for us to watch
Would love to see Jason do more videos on gear, photography and videos
Warm winds and safe travels from Florida 😎
As UA-camrs i’m sure you’re writing off virtually every penny as an expense because you travel for a living. I’m sure you are depreciating your boat on an accelerated schedule on your taxes. If not you need a better CPA. The reason I’m bringing this up is it might help you with more opportunities for insurance. You might have some options to get some type of business insurance because of what you do for a living and using your boat as a prop and the foundation of your UA-cam videos. You should also look into some type of umbrella policy that could cover your boat. For my business which is mortgages and I’m involved in real estate investing I have a $5 million umbrella policy on top of my other insurance an umbrella policies are often pretty inexpensive. I would look into having your boat owned by your LLC which I’m sure you probably have and operate as an LLC since everything you do is business oriented. So not sure if you guys have looked into that Avenue but if you haven’t that might be an option. Some type of business insurance if the boat is owned by the LLC and not you personally as well as some type of umbrella policy.
I would also suggest talking to Bobby of sailing doodles because I’m sure Bobby is operating as an LLC and he used to be involved with airplanes which have similar issues for insurance as sailboats. He sailed all over the Caribbean and Asia and has been involved with some charter companies and other businesses so he may have some insights as well.
I’ve been watching you guys since you were RVing. Love your content. Keep up the good work!
Interesting thoughts. One potential snag: You mentioned having the boat owned by an LLC. Given the insurance requirements for having sailing experience in order to obtain insurance, how can an LLC have captaining experience or a resume? Not sure how the insurance industry would treat that, better or worse.
@@Wearyman I’m pretty sure you have to have experience in a captains license to get insurance for a large yard, but all yachts are pretty much held an LLC‘s and considered to be charter boats for tax advantages. Same with airplanes. Anyone that owns a yacht or an airplane, well anyone smart, has it in an LLC and set up to be used for charter because of all the tax advantages. Do you have to have a pilots license and experience with an airplane you have to have a captains license and experience with a yacht. So I would think that it would be similar. Not to mention the fact that charter fleets Have insurance for their boats. The Caribbean and Asia have charter fleets all over the place Chock-full of catamarans because they’re easier to sail than monohulls and so many people with very little experience are chartering those boats. Here in Charleston or Key West or many tourist locations around America have people that operate sailboats that take people out for dinner cruise and nighttime cruises Or to experience a sailboat or to see dolphins or a million other reasons that people operate a sailboat business certainly have insurance as well. None of these people are operating these boats in their name as privately owned. They are all businesses Not just for tax purposes but liability as well.
LoL asking bobby for advice on anything is a riot. What a train wreck. Makes bad judgements. Sails alone into bad weather on a poorly prepped and maintained boat. Sails out of his insured region without a new region rider. Poor seamanship. Loses anchor off bow, fouls his engine. Fire. The guy has filmed all his projects which is fine, except when you do sloppy work, cut corners, don't follow standards... ask Bobby? hahahahahahahaha that said, some of your other ideas might have merit.
@@abhorred I would rather sell with Bobby or fly with Bobby than the handful of you haters on here because people like you always have an agenda and I just wonder how much selling experience do you people judging Bobby have? Have you sailed around most of the world for years like he has?
@@abhorred He has sailed the entire East Coast multiple times he has sailed the West Coast he has been through the Panama Canal he’s been all over the Caribbean Central America most of Asia and the Mediterranean. That’s about half of the world. He’s done more sailing than 99.5% of the population in America actually when you consider how few people actually own a sailboat and done more than simply sail around their local area he’s probably in the 1 or 2% in terms of miles sealed and places he’s been. I’ve worked on boats and houses most of my life and I have seen the work he’s done and it’s been perfectly fine. Just as good as any other popular Sailing channel.
How far have you sailed? Where have you been? How many miles and how many places have you been? That you can document.
I’m not a fan boy, I’m just someone that believes in truth. The haters are mostly jealous. If people simply had an issue with some of the things he did they would simply say that in a polite way. Haters act like haters for different reasons. And a lot of what people like you are saying is libelous and slanderous. It could also easily be considered misinformation, which is against the TOS of UA-cam and could get you banned. Why? Because you guys are going way beyond simply stating an opinion.
I think it’s curious how much you haters hate on the guy. You say you’re not jealous but we know you are. And I love the way a couple of you attack my sexuality. Normally that’s the behavior of someone that hasn’t come out of the closet. Passive aggressiveness and talk about homosexuality is classic signs of someone in the closet. A few of you are showing classic signs of self-loathing homosexuals still in the closet. Maybe you should read a few Jordan Peterson books!
Super helpful information and a good road map for anyone who is preparing to live the cruising dream. Thanks Wynns!
you two are a hoot! the end of the video had me chuckling.. thanks :)
Insurance is never a guarantee they will pay a claim, I learned that the hard way.
Do you watch sailing doodles? Bobby recently had a video talking about the aftermath of his sailboat catching fire when he was making a crossing from the US to the Caribbean and the fired did $100,000 damage to his boat and he had to be rescued by the Coast Guard and his insurance company denied the claim. So yeah, even when you have insurance, you often don’t have insurance! Because companies hate paying claims and they’ll find any reason not to pay the claim if they can.
If they are smart they operate as an LLC because everything they do is oriented around business. Such as an accelerated depreciation schedule for their boat. Especially if the LLC owns the boat instead of them personally. In that scenario there could be some options for them to get business insurance and an umbrella policy. Actually an umbrella policy could be an option under many scenarios, which is something they should look into.
@@nedhill1242 do you know what reasons the insurer used to reject the claim?
@@makanimike No. He didn’t say in the video. But he was making a normal passage and his boat caught fire and he had to be rescued by the Coast Guard and his insurance company declined the claim. That’s all I really know. But he was not in a location he wasn’t supposed to be and it happened during the winter not hurricane season. But I know from my own personal experience insurance companies will do anything to get out of paying a claim and they will find any excuse possible, which is why it’s critical to always read the small print in all contracts, especially insurance contracts!
Bobby had no insurance for the area he was sailing too. He forgot to change the parameters and was only insured for the Caribbean. Rookie error and costly.
@@vial1sim I have watched everyone of his videos and he has not said that. So where are you getting your information? I’m sorry but if you’re going to make a claim like that you need to support it with some fax. You need to show where you’re getting that information. Because Bobby has not said that in his videos. And he wasn’t going anywhere special or unique. I forget exactly where he was but it’s nowhere that your basic insurance shouldn’t cover. He was close to America because he was rescued by the Coast Guard. So again where are you getting your information?
I think it is a good public service to tell people about the reality of sailing and not just the idealism of it. I learned the reality of sailing from chartering and that's why I bought a house but still enjoy cruising and I'm now going on cruise ships 2 interesting places. It's not the same but it's what I can do and I believe that more information such as what you guys give out is always very helpful
You both are awesome and SO funny even in the most difficult times as we all go through! You help my husband and I get through our week!♥️ Thank you for your hard work with video editing!
Thank You! Great information. I am going to follow in your footsteps. You guys are awesome!
A friend of mine who lives in Pensacola his lost two boats to hurricanes one from a secure Anchorage and another from a secure dock.. I assume at this point that the insurance company has paid out more to him than they have gotten from him. So the 11,000 that you quoted sounds like nothing compared to the 50,000 he's now gotten for his totaled sailboats. Your boat is worth considerably more than his since with both of his boats he had to do a lot of work to get them to be nice safe and sailable. I was taught the number one rule of insurance from the business manager of the University that I attended back in the 1970s. He was advising me on what we needed to in sure for our Sailing Club. He said that we needed to insure what we could not afford to lose and I believe the bottom line became that we just needed the liability insurance since our Boats were worth less than a thousand each at the time. I'm glad you were able to get your insurance for the next year and get that off your mind
Ah Sunday with Nikki and Jason. Covid be damned, gone with the Wynn’s definitely makes life better.
Love the outtakes! 😂🤣 Glad it all worked out this year. Enjoy that beautiful weather!
Not a sailing family yet, but it's definitely calling. Love the informative content! Thank you!
Insurance is a giant scam. You’ll find out that you have thrown away money when you make a claim and they spend 10 times the claim amount trying to find any excuse to deny it.
The only way I could have said it better would have been to capitalize the word SCAM. 😒
Cruising vessel insurance is very similar to general aviation aircraft insurance. Probably even the same underwriters. There’s only a handful of companies, and rates are driven based on where it is operated (I.e. where it is based) and the experience and qualifications of the named insured.
I really look forward to your videos each week. This week is very interesting and very stressful for you. I hope things smooth out for you in the future.
so glad yall got it figured out and are doing well see ya next week
Love the reel at the end. Yall are not 1 take wonders lol
"it's never a problem, until it is" wise words! Honestly, have never thought of all the things that could gone wrong when sailing. We mostly just drool over the amazing looking lifestyle but your video has given us an inside look into the realities. As with most things in life. The reality is far less romantic than the luxurious way that the sailing lifestyle looks 😅 but would definitely put up with all that for the opportunity to sail across the world like you guys 😍
Yes I concur ✌🏻💗😊❣️
I really enjoy the outtakes you’ve been adding. Also love the pushing him off the the boat. That was awesome.
Thank you. You both give great breakdowns for useful topics.
Hey insurance companies...Imagine sponsoring these two and gaining a whole bunch of positivity points from the sailing community. Yes that would also mean more customers.
You'd think being ranked as the #3 cruising channel on the internet by subscription numbers should be worth something
It backfires when all your new customers are newbies at sailing ! Newbies are the highest risk to insure ! Newbies are most likely to make mistakes that drive up insurance cost for everyone ! Filming do it yourself boat projects can cause you to lose money come insurance renewal time ! Was the boat fire caused by a do it yourself install ?
That doesn't fix the problem but masks it. Also, if one does proper research it's best to go on first had experiences in addition to a google search.
@@zzzxxzzz3248 all of us, at some point or another, were once newbies... true they are the highest risk to insure, but should by no means render them uninsurable... do that and the sailing community dwindles ... from the insurer's point of view, a distribution mix of coverage across newbies, intermediates, and experienced sailors, makes for a thriving and replenishing sailing community (more customers), among other things like well, you know... profits
Sailing is considered a luxury, so probably not
Filming being pushed off a deck into a sharks gaping maw, is that covered by marine insurance? And don’t forget to add your fermented fruit experiments to the resume. Adds buoyancy to the vessel and improves gut health.
Btw, the global network of underwriters, the engine behind insuring assets is perhaps the most corrupt and dark enterprise on earth. Just imagine the food fight that’s about to drop over the incident in the Suez canal.
Insurance in theory sounds like a wholesome community investment but in reality is a clown orgy with Satan, hitler and bin laden fighting each other to jerk off over your misfortunes.
Loved the bloopers! You two show that doing YT videos is like the movie's the big producers and TV shows, and they have the same blooper Mania with the actors. Funny, blooper time is the best time for videos and make's them fun to do. Thank you for the blooper-filled video.
Super informative video. My husband and I are in the research stage of boat ownership at the moment, so being aware of things like boat and sailing resumes is very helpful. Glad you got a reasonably priced policy for this year! ⛵️
Jasons shade is making me smirk every episode😂
@Colin Deal metal frames. They are probably a bit bend but i also guess its a matter of wrong design of glasses for his face
Those aviators look like they’ve had a couple rough landings. 🥴😎🤙🏼
The parting shot 😂😂😂😂😂😂
Love that you guys continue to share the realities of boat life ! Not for the faint of heart. Love the bloopers!~
Thanks for sharing some really good information! The insurance game in yachting is super complex and it's easy to end up paying too much just because you're happy to get coverage. This segment was super-helpful!!
Tell the insurance companies to check out your videos, that would be one heck of sailing resume!🙂
They should get a break on the insurance because they show so much of their actions.
Did You take a Holy Week holiday ? 😀 I have checked for a new video 20 times now !
On Facebook they say the took a cue from the Tonga Peeps and took the Easter weekend off.
@@chriswasia413
Thanks for that
Yes, taking a week off. Follow on social media for extra content and up-to-the-minute news! @gonewiththewynns
Curious Minion
@@gonewiththewynns
Wow guys really feeling disappointed you didn't even consider YT subs would be here wondering were you were or if you were ok. Would never begrudge you having a week off but those of us that don't do the other social media stuff left wondering though you told your facebook users you wouldn't be posting on YT this week, maybe a community post would have catered for loyal YT subs
Absolutely love Sunday’s with the Winn’s
WOW... the boat on the reef - what a story! 😲 Such good information - I had no idea - thank you for continually bringing your life experiences to us, the "wee folk."
I'm glad you guys got insurance and at a somewhat affordable price. It would be great if you came back to the RV world but I understand why you are staying on your boat. You will never get a chance to see the places that you are seeing without it. Keep the good stuff coming guys.
Here is a tip: You need to haul the boat for bottom paint periodically anyway, so when you do (in normal years) have the boat surveyed at that time. Even though you don't have to do that, this will mean that the date of last survey is fresher. The survey is a huge wealth of information for them to understand the condition of the boat, and a history of them is even more valuable. It proves your boat resume is correct by a reputable third party. Unfortunately you haven't been to New Zealand or Australia yet so you didn't get a chance to do this before COVID hit, but if you had, that might have changed the game.
I wonder if the US flag is part of the problem. You absolutely should be getting better quotes because your risk is objectively much lower. I think your 250 mile limit on your initial plan was quite generous (given me experience when I had the same experience you had back then.) But now, you have thousands of miles with no mishaps and you have done quite well at demonstrating your competency and responsibility. Further, money is cheap, so insurance companies should be falling all over themselves to write policies. So something else is at work here. It isn't you.
Update: I see now (in the blog post) they were doing regular surveys before complications set in.
@
You 2 are crazy! Love the bloopers at the end! So happy you were able to get insurance, now enjoy for at least another year :)
Very informative video and both of you look great as usual.
Don't need boat insurance, don't want boat insurance but still watched the video just to see you two goofballs. You always help making Sunday's better. Oh am glad you got that insurance thing straightened out, now back to the regular scheduled program. :)
That was priceless! 🤣🤣🤣
Your music choice for today is soothing, love it!
You guys are so great at these videos. I always get something from your vids but laugh through the whole thing. You seam to have so much fun. Love it. P;ease keep up the GREAT work.
Would you be able to flag the boat flagged to another country? If so would that help with the insurance problems?
"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". Quote from the Wynns above ...
I am so glad you guys finally found insurance for this year. Your right! This is your everything so why would you not get insurance on your everything?
Nice video, great shots! Love you all!
That was very educational, I was planning not to insure my boat but after listening too this I realized there was a lot that I did not think of. Now I will be searching for boat insurance in the next few days. Thanks GWTW.
funny how you mentioned that you need your VPN to get certain channels like Netflix etc.... here in Colorado, I can't get a hulu, netflix connection WITH my vpn on..... interesting
Some VPN's are better than others at fooling the streaming companies.
Here in California, we are lucky to get uninterupted internet AND electricity for 24 hours straight. They do better in Namibia than Corruptofornia,
@@bloodyeyeful Namibia is a great place. FYI. ;-)
That was interesting. I'm glad I did my sailing in the 70s and 80s. No one I knew had insurance, we lived pretty free, skipped checking in half the time and had a great time. You two are impressive. Sad for our collective loss of freedom.
Thank you, this was very helpful. Love you guys!
love the insurance conversation. the flip side of the coin to cruising, the bad with the good. thank you!
Go to school...get a captain offshore license and then you would get even discount from every insurance company
Ask your insurance company before you go to the trouble but consider Getting a 50 ton Captains license. Downside is if you have a captains license you have more responsibility as far as the insurer Is concerned.a.k.a you should have known better.
@@OldManandtheSuperC I have a RYA ocean yachtmaster and in my opinion it is always wise to get proper training and knowledge before operating a yacht...we need to get a drivers license to drive a car so why not for boats too....I had a few insurance claims over the years...never a problem with Pantenius insurance to reimburse me and fun fact the hull and liability insurance has huge discount because holding a license.(using the yacht for private pleasure only for worldwide cruising ...)
Glad you guys got it all figured out, I can only imagine how frustrating it can be. Now Jason can fix those sunglasses.
Thanks for the videos!
You guys are the best, lots of useful information and lots of laughs. Great channel.
Jason got to have insurance for those sunglasses too 😂
I was looking at the comments to see if anyone mentioned his glasses which i noticed right off the bat. Looks like he may have sat on them at some point. Funny!
I thought of the exact same thing 😂
I was to busy looking at Nikki to notice Jason's sunglasses.
I know haha, I've been distracted by those wonky glasses for months now!
Most if not all marinas in Australia require insurance and registration. Some insurance companies are looking at skipper qualifications (not a thing yet) to get insurance too, it certainly makes getting insurance easier. If you are a ocean crossing yacht you may need the skipper to have an Ocean Yacht-master qualification or similar in the future. A lot of us go through similar struggles, but its been tough on everyone the last year. I am glad you sorted it out . Fair winds guys.
You guys are great!! Keep sail’n!!
👍👍
Great video! People can not understand how frustrating, difficult it is to get those insurances! so hard and complicated, so much stress!!!
Insurance loves to take your money, but then gives you the worst time on paying up.
They always win and make huge profits,
They are well lobbied like big oil and pharmaceuticals.
why of why?? It seems in order to be treated fairly by one's own insurance company, an attorney is now needed. If any insurance types are reading this... may the fleas of a thousand camels nest in you bed this night.
Yep u said it
@@georgekent3588 This is actually not the case, at least with Health Insurance, and especially before Obamacare-- Insurers pay out more in claims than they take in premiums. The profit comes from investing the premiums between when they are paid and the claims are paid out. So insurance is a good deal. But it gets a bad rep because they are easy targets for communists who want to enslave us all-- and thus we get Obamacare -- 30 times as expensive and you get terrible health care.
@@RogerWilco1 I have my issues with Healthcare...so don't hold too much faith in them. If the AMA deems it dubious....watch out! Sadly, AMA is 30+ years out of date on too many issues and the insurance companies hide behind this.
I honestly never realized Venmo only works in the US until I was in South Africa this last December trying to pay someone. I never imagined using my VPN for that scenario.
Glad to see you are on the road to recovery--adding one piece of normalcy at a time. Thanka for dragging us along with you.
Glad to hear you have a new boat policy! I'm with you on having things properly insured. I also cringe each year when the home/car insurance renewal comes up here in Texas. On my 6th company in the last 10 years. Costs are up without any claims/losses...and they keep trying to take coverages away. That's why I only do 1 year policies....so they can't get me twice a year. Look forward to seeing your next adventures!
You have a beautiful boat! ❤
I'm jealous but I'm trying to live stress free. You've convinced me that buying a beach house is a better option. 😁I wish smooth sailing to you both. 😎
Nope, no beach house. better check on that oceanfront insurance, No small matter.
i am deeply offended by nikki trying to make it look like she wakes up in bed, looking like THAT! and nikki, if you really look like this in the morning, you should be arrested, it's just not fair! what i'm trying to say: you are beautiful!!! ;) and the footage of you trying to take a thumbnail had me cracking up :D. glad you guys have insurance again!
It is entertainment dude suckit up
Her demeanour and "made up face" are probably due to a good night sleep and the lack of stress now that the insurance problem is dealt with.
It has been an adventure for sure. I took advantage of your offer and signed up for surf shark. Thank you for that. See you next week. Have fun and be safe!
Jason laugh, the best!!! Happy you found insurance, had no idea about all this stuff
As much of a nightmare it was for you to acquire insurance, you can multiply that exponentially if you ever have to put in a claim.
Hiring a mediation company would be an absolute must!
When are you guys coming to Oz? If you make it to Tasmania I'll hook you guys up with an apartment and a car. Let me know. :)
Hobart! I love Hobart!
Thanks, valuable info with an entertaining ending. 😉🙏
I'll never be able to do what you guys do. But being able to live it with you guys is amazing. A small escape from reality for me and probably many other viewers. Thank you guys for this wonderful opportunity to live on Curiosity with you guys!