Hello Capt. Ken. My name is Alicia and I am 10 years old and live in Riviera Beach, Florida. I like birds and especially pelicans. I think they are interesting in the way they fly and especially how they dive into the water looking for fish. I would like to send you this picture of a pelican I took with my mom and dad at the Sailfish Marina when we were eating lunch. It was just sitting there on the top of the pole when I took the picture. I also really liked the picture of the girl diver on the bicycle that I saw here too. If I take any more pictures that I like, I will send them to you again. –Alicia M., Riviera Beach, FL
Monthly Archives: January 2014
BoatUS has been an invaluable resource for lots of great information here at the Boat & Yacht Report. For this edition, we look at some helpful tips to get you more informed about how to best protect your investment. If you have any questions on this particular topic, be sure to get in touch with BoatUS at http://www.BoatUS.com -Capt. Ken
Five Ways Your Boat’s Insurance Policy Can Fail You
A Quick Check Up
Insurance is one of those things you hope you never have to use, but if you do, you expect the policy to fix the boat or compensate you fairly. If you haven’t taken a close look at your boat insurance, you could be surprised to find that you may not be entitled to a payout with some common types of claims. That’s because unlike home or auto, boat insurance policies offer a wide range of coverage, from very little to a lot. Boat Owners Association of The United States (BoatUS) recently took a look at the most common claims over the past five years, and has these tips so you will know if your boat’s insurance policy will live up to your expectations:
Consequential Damage: If you take hurricane losses out of the list of common claims, the number one claim is for sinking, and half of all sinkings occur at the dock when some small part below the waterline fails. The most common culprits include hoses/hose clamps, stuffing boxes, outdrive bellows, and sea strainers. But these parts most often fail due to “wear, tear, and corrosion” which is a lack of maintenance issue, so policies won’t pay you for a new outdrive bellows or sea strainer. But what about the rest of the boat sitting sunk on the lake bottom? Some policies won’t cover that, either, as they exclude any “consequential” damage as a result of wear, tear and corrosion. That’s why you need “Consequential Damage” coverage that covers losses that often start with a failed part.
Salvage: Hurricanes lead the list of most common claims from 2008 to 2012. In every hurricane boats get scattered and need to be salvaged and safely brought back to their storage area. That takes cranes, travel lifts, flatbed trucks, and other heavy equipment that typically costs hundreds of dollars per foot of boat length. However, as a few boaters found out with Hurricane Sandy, some policies subtract the money paid to salvage the boat from what you get paid to fix the boat, while others only offer salvage coverage up to 25% or 30% of the insured value. A better policy provides separate salvage coverage up to the insured value of the boat – in addition to any payments to fix the boat or replace equipment.
Wreck removal: When fires, sinkings, hurricanes or running up on a shoal destroy your boat, you end up with a “wreck.” Most boaters assume their insurance company will cover the cost of cleaning up what’s left, but some policies will give you a check for the insured value and only a specified percentage for wreck removal – 3% to 10% is typical – and walk away. That leaves your wallet short and you managing a job you have little knowledge of. Better policies pay up to the liability limit, usually $100,000 or more, to clean up the mess, and don’t let you go it alone.
Liability-only policies: Looking through the claims files, injuries make the top ten list for payouts not because of their frequency, but because settlements tend to be expensive. Having no insurance could leave you open to a six-figure settlement. If you have a liability-only policy, the better ones will cover injuries as well as salvage, wreck removal and fuel-spill liability.
About BoatUS: Boat Owners Association of The United States (BoatUS) is the nation’s leading advocate for recreational boaters providing its over half-million members with government representation, services such as 24-hour dispatch, on water boat towing as well as roadside assistance for boat trailers and tow vehicles, feature-packed boat insurance programs, money-saving benefits including marina and service discounts, and vital information that improves recreational boating. Its member-funded BoatUS Foundation is a national leader promoting safe, clean and responsible boating.
I feel very fortunate to be living the life and enjoying the lifestyle I have. I am thankful for my family and friends as well as the many business associates with whom I rely on to be as successful as I am so as to be able to afford, among other things that I own, a very special sportfishing boat. I often gaze out, at the horizon, and at the wake left as we navigate offshore on a fishing outing or while traveling with my wife and children, and can see and feel just how lucky I am. Among the many pictures I have taken, I like ones like this: It’s the bow wave coming off the starboard side of my boat and reminds me how much respect I have for the ocean. Thanks for the opportunity to share this picture with all those who check in with your blog. –Ron C., Palm Beach, FL
I think we can all agree that one of the most groundbreaking areas in our boating lives has come in the electronics sector. When I first started, all we had back then were our paper charts, dividers and parallel ruler, a watch, and a compass. I even remember getting my first Loran set and thinking what would come next! So, to keep everyone updated here at the Boat & Yacht Report, we’ll do our best to get you the latest in all the current technology that will make your boating experience a bit more enjoyable and of course, as safe as can be. -Capt. Ken
McMurdo Smartfind M5 AIS Class A Transponder
First up is a neat gizmo from McMurdo. The McMurdo Smartfind M5 AIS (Automatic Identification System) Class A Transponder gives mariners the ability to view at a glance the AIS status of vessels all around them and provides access to a host of detailed navigation information.
AIS is an automatic tracking system used on ships and boats and by vessel traffic services (VTS) for identifying and locating vessels by electronically exchanging data with other nearby ships, AIS base stations, and satellites. Once the domain of larger ships, advanced technology has now made this type of safety equipment available to smaller, recreational vessels.
Smartfind M5 is a flexible, low-cost, easy to install, user-friendly AIS Class A transponder, incorporating a fully comprehensive AIS MOB (Man Overboard) and AIS SART (Search and Rescue Transponder) alarm to aid MOB recovery. It provides on-screen Indication and internal buzzer when any AIS SART/MOB TXID (Transmission Identification) is received, an optional remote waterproof (MOB / alarm) sounder is also available. It also allows a “buddy list” of the vessels own AIS MOB IDs and associated crew name and has a steer to rescue MOB casualty target screen. The AIS MOB alarm feature is compatible with the McMurdo S10 AIS Beacon, Smartfind S20 SRS and other AIS SART devices. More info: www.mcmurdomarine.com.
THE SHAKESPEARE COMPANY: KITS BOLSTER CELL PHONE/INTERNET CONNECTIVITY ANYWHERE
Enjoying life on the water or the road doesn’t have to mean a loss of connectivity. The new dual band Aura and Halo cellular booster kits from Shakespeare improve AT&T, T-Mobile and Verizon cell phone and internet reception on a boat or RV, or in any location where phone signals are weak.
The unique compartmentalized design of these cellular boosters increases call clarity for multiple users in areas up to 6,000 sq. ft. Units feature a tough metal casing that ensures durability and weather resistance. Installation is simple, requiring no special tools or tech skills.
Shakespeare’s booster kits not only enhance cell phone reception, they also improve a phone’s battery life. The energy-efficient Aura booster consumes less than 20W, and the Halo, less than 30W. Their tough metal casings provide durability and weather resistance.
Compatible with virtually all US 2G and 3G networks, the Aura CA-VAT kit betters reception for up to five users simultaneously. Its indoor directional panel antenna and adjustable dials maximize signal strength throughout a vessel or other space.
Accommodating up to eight users, the Halo model works with virtually all US 2G and 3G networks. It also boosts 4G networks via a carrier-specific configuration (AT&T, T-Mobile or Verizon). This full-featured kit poses the ideal solution for large vessels or spaces with poor signal, or those that require large
coverage. Halo’s completely integrated CA-V, CA-T and CA-A amplifier kits combine PCS and cellular dual-bands with 4G frequency, resulting in dramatically improved 4G speed for faster uploads/downloads with no buffering. Tower proximate technology automatically recognizes when signal overload to cell towers occurs. In addition to having manually adjustable dials for each frequency, the Halo model comes with built-in automatic shutdown.
Each kit includes CA-V, A or T amplifier, outdoor and indoor antenna, coax cable and a user manual. The AC power transformer for all models provides AC110V, 60Hz input and DC 12V/6V output; 12V/6V DC power is optional for the Aura. LMR240 cable is recommended for the Halo and Aura booster kits, which provides added flexibility and reduced circumference to ease installation. Shakespeare offers a two-year warranty on all its models. More info: www.shakespeare-marine.com.
GOST® Security, Monitoring & Surveillance Systems
Integrated with KVH® and FLIR® Products
GOST Watch HD VIP Series packages provide high-definition surveillance using a high-speed internet connection through the KVH line of mini-VSAT Broadband systems, along with a penta-band GSM/CDMA cellular data communicator for use when in cellular coverage areas. The KVH mini-VSAT has the ability for intelligent “best use” network management switch that will automatically prioritize cellular data via the GOST G3G-GSM/CDMA communicator when inside cellular range and will automatically switch the data feed to the KVH mini-VSAT pipe when the boat is outside of cellular coverage.
The new GOST Watch HD VIP Series Packages include everything needed to remotely monitor all activities on board the vessel from anywhere in the world via computer or smart phone over the internet. There are several different packages available to meet the needs of yacht owners and crews. These packages combine the KVH and cellular data modules with the assorted line of GOST cameras and IVR recorders accessible over the internet. Watch live video of the yacht as it leaves the harbor or view activities in the salon, staterooms or engine room via the GOST Watch HD website or iPhone and Android apps. Cameras can be set to record clips to the website based on motion detection and sent via email to the designated recipients. Camera motion detection can be armed and disarmed by using the included push button. The system can accommodate up to 6 cameras per login.
Vessels equipped with the GOST Watch HD System and FLIR M-Series thermal night vision cameras will have access to remote streaming video surveillance of onboard cameras. Customers will be able to completely control their FLIR M-Series cameras as if they were on board with a FLIR ‘puck’ on screen that looks exactly like the puck used for control on board. The easy-to-use, web-based pan, tilt, zoom and mode control interface on the GOST Watch HD website works like the control puck on board, with a few modifications that enhance the capabilities for remote surveillance. The most noteworthy of these modifications is a one touch “Surveillance Scan” button that instantly performs a peripheral sweep of the area immediately surrounding the vessel.
GOST Watch HD allows users to remotely monitor up to six analog cameras per login at one time to capture activity onboard and around a vessel from anywhere in the world over the internet using any computer or smartphone. GOST Watch HD apps allow customers to access and view their cameras with the touch of a button from their iPhone or Android devices.
The award-winning M-Series is FLIR’s premier line of maritime thermal night vision systems. Single-payload (thermal only) and dual-payload (thermal and lowlight or color video) M-Series are housed in a rugged, waterproof gimbal enclosure with 360° pan and 90° tilt fields for horizon-to-horizon visibility. http://www.gostglobal.com; http://www.kvh.com; http://www.flir.com
Capt. Ken, we are really enjoying your posts as well as the Photo Op. I took this shot of a sailboat reflection at my dock this past summer. We are located in New Bern, NC, the home of Hatteras/CABO, and keep our boat right near Persimmons Restaurant. I thought it might make an interesting addition. Thanks for the opportunity. The photos so far are quite entertaining. –John C., New Bern, NC
Beneteau Wins Highly Regarded Award
Oceanis 38 takes the 2014 European Yacht of The Year in the Family Cruiser category.
By Capt. Ken Kreisler
Considered to be the nautical industry’s equivalent of an Oscar, Beneteau, in the business of boat building since 1884, has garnered yet another accolade in the storied history of this notable company.
During voting at this past boat show in Düsseldorf, Germany, the Oceanis 38 took top honors as the 2014 European Yacht of The Year in the Family Cruiser category. The award considers innovation, quality, manufacturing, and performance and is voted upon by the editors of the editors of the European specialized press.
For information on the Beneteau Oceanis 38, or any of the company’s other fine sail and powerboats, please visit their website at http://www.beneteau.com
My buddy Bjoern Kils, who runs the NY Media Boat up in NY Harbor, took this dramatic shot of my home town–Capt. Ken spends his winter months in the Palm Beach, Florida environs; just saying–in the throes of the polar vortex that has been playing havoc with the weather for a lot of the country. If you are where it is warm, stay there until all this is over!
If you happen to be in New York CIty, hopefully during better weather, and want to experience something really different, get in touch with Bjoern and book an excursion with him. Trust me, you will not be disappointed.
Cell/text: +1 732.586.7394 // firstname.lastname@example.org http://www.nymediaboat.com
Tell him Capt. Ken told you to get in touch.