A couple of days ago I wrote about some friends who ran aground while trying to solve a roller furler problem. I wish that the roller furler, followed by running aground, had been the end of their grief, but unfortunately it was not.
I won't name their insurance company because it isn't my goal here to promote one insurance company over another. But it is a lesson in reading the fine print.
My friends couldn't get their boat off the grounding, but their insurance covered towing by the standard towing companies, so they called Boat US, who had no trouble getting them off.
However, the bill was $1,000, which they had to pay upfront and then get reimbursed by their insurance company. They knew that and were not upset by that.
However, that "towing coverage" includes a $500 deductible, so they're only going to get $500 back. That they're not quite so thrilled about.
My car has similar towing insurance -- only worse, really. It covers eight miles, or to the closest Subaru dealership (the brand of my car) -- which ever is shorter. Fortunately, if I want to be towed a little farther the cost doesn't nearly approach the $500 my friends will have to swallow for their boat tow.
Read your insurance policy carefully. My personal recommendation is that you not only get Boat US towing insurance but that you get their best package. I had to be towed about ten days ago because of dead batteries. They towed me to the club, where I had the boat looked at. The great thing about Boat US's best package, which I have, is that if the boat couldn't have been fixed at the club, they would have towed me again, either to my home slip or to a boat yard where they could have fixed the boat. (I was lucky, by the way. I was afraid the alternator had gone bad since all three batteries had died within a couple of days even though the engine had been used a lot, but it turned out to just be coincidence. The alternator is fine.)
Anyone can run aground. If you have a sailboat in waters like Florida, it's not if -- it's when. You will run aground.
My friends now have Boat US towing insurance, and I urge all sailors to do so. Any number of things can happen that could disable your boat even if groundings aren't common where you are. This advice isn't just for beginners, either, but then I have no sympathy for the macho idea that one should never, ever turn the engine on. If I can't use my motor to get back into my slip, I'm not going to try to sail it in through a blind entrance, a narrow entry way, and a long fairway, counting on being able to use the wind in four different directions without hitting anytbing. I'm going to call Boat US. Then if they hit something it's their fault, and I do like that.
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