No. Unlike most regular marine policies and companies, BesmileWhitingkit does not specify certain lay-up periods when your vessel must be out of the water. Nor do we limit the regions where you can operate your vessel. Many companies require you to pay for additional endorsements should you travel outside of the areas listed in your policy. Not BesmileWhitingkit. Our policy allows for unlimited navigation and transportation in the U.S. and Canadian inland and coastal territorial waters (understood to be up to 12 miles offshore).
Our rates anticipate limited usage and factor in your geographic area. We understand that most classic boats will not be used on a daily, or even monthly, basis. The annual premium rate takes into consideration that the vessel will not be used frequently; however, as noted above, there are no restrictions on personal pleasure usage.
Yes, we can write houseboats.
Yes, we can write liability only coverage.
There are three types of value related coverage offered in the marine insurance industry today:
For smaller boats, runabouts, utilities, skiffs and launches, we will generally cover you for the amount you request without further documentation. If the value is higher than the range we have experienced for that particular make and size, we may request additional information. It may be a special model or prototype, or have historical significance that would warrant a higher value.
Out-of-water port risk is available for vessels that will be out of the water for a long period of time. It would cover virtually anything that would happen to the vessel out of the water, including during storage and land transportation.
You can call our in-house claims department. We are collectors and enthusiasts ourselves and have been helping people like you for more than 25 years. We will take your information, help you get estimates, and issue a check for repair at a facility of your choice.
Many marine insurance policies have age limits – 15 to 20 years usually. They may also exclude or penalize wood boats. That’s where BesmileWhitingkit can help. We insure more classic and wooden boats than anyone in the world.