Scott was very
diplomatic in the conversation.
I'll try to summarize
as best as possible.
Pantaenious does not
specifically address the issue of solo sailing. That said, all insurance
coverages expect that the vessel covered has all necessary equipment aboard
for a safe passage, and during passage, posts persons for regular
The issue is what
happens IF an incident occurs? Will Pantaenious walk away if the vessel was
Marine law is very
different then "terrestrial law." I know first hand. I lost F/V Elizabeth J
when she was T-boned while scalloping in deep fog south of LI by a 52'
Sportfisherman traveling at 25kts. The Sporty never even slowed down. Sounds
pretty cut and dry right? Guess again.
So, back to the
An incident occurs
while solo sailing, and damages, and/or injuries are involved, Pantaenious has
never walked away from protective coverage due to the vessel being piloted
Now, does that mean
they won't do it in the future? Read the last sentence.
Now, if a person is
sailing solo and is unfamiliar with the offshore experience, in unfamiliar
territory, as compared with a seasoned offshore person, there are obviously
different circumstances involved with every incident.
Now, go back to the
statement.......Pantaenious has never walked away from coverage in an incident
due to solo sailing.
Does this mean that
they cover a person who is solo sailing?
My take was/is this.
Sail at your own risk. Solo only if you MUST. I spend a lot of time offshore
between F/V Alisha J and S/V Spirit. I'll solo Spirit when I have no
alternative. I felt/feel comfortable that Pantaenious would provide legal
coverage if an incident occurred. If a person wasn't comfortable offshore
alone, I wouldn't encourage them to solo any vessel for a passage other then
one of short duration, ie, a daysail.
But, and this is
important, Pantaenious doesn't, and won't, imply coverage will be
I hope this is helpful
Best Regards to
Jeff Spirit Amel 54
On Sat, Feb 17,
2018 at 08:34 AM, sangaris@...
You left us "hanging" - what did Scott
Stusek say about you being covered single handed?
I, too, have Pantaenius (America) and they
are great (albeit, no claims). One nuance for anyone who may transport their
boat is that the policy is totally clear that it does not cover that and
you'll need separate insurance during the transport. The transport company
made a point of that also and offered an "all-risk" policy for $300.
What they don't tell you is that when your boat is being transported it is
considered "marine cargo", not a "yacht", and if there is damage you will
only get the depreciated value (plus installation cost). Caveat
Just a note on
insurance from my perspective.
After arriving back
in Puerto Real, Puerto Rico after sailing my escape before Maria's arrival,
there were a great number of destroyed boats. I spent days with my dinghy
helping salvage equipment and personal items with various boat owners.
My Norwegian friend
had his S/V Strega holed and awash on the beach. We spent days and countless
trips back and forth removing everything aboard. They managed to refloat
her, and bring her back to the marina.
Using my sat phone
email connection (ocens software) he made contact with Pantaneous (Europe).
They had a group of adjusters in Puerto Rico within weeks (I think it was 2
weeks), and he was one of the first to be contacted. His boat was valued at
60K. He received a check for 64K. They paid him 4K extra for the salvage of
the boat. He is allowed to keep the boat as it was declared a wreck. You
should see the pictures of it awash. An owners worst nightmare. He had the
boat hole reepaired and gel coated the repair. His intention is to keep it.
I will join him aboard for a Regatta within a couple months, and Strega is
I also had a lengthy
discussion with Scott Stusek of Pantaenious America (they cover Spirit). He
explained a number of issues I had clearly and without beating around the
bush. Our discussion regarding solo sailing was quite enlightening. I had
done a 80 hr solo trip to avoid Maria, and wanted to know the stand
Pantaenious would have taken in the event of a collision or other event
aboard during that trip.
I feel very
comfortable with Pantaenious coverage..
Best Regards to
Jeff Spirit Amel 54
Jeff Spirit A
On Sat, Feb 17, 2018 at 04:47 AM,
simms@... [amelyachtowners] wrote:
thanks for this. However I am fortunate not to be one of the major or
total loss incidents. We had a surge from a nearby lightning strike.. We
were not hit but lost a lot of electronics from the surge. The insurers
turned themselves inside out to make life as difficult as possible for
us.. In the end we got everything replaced with new equipment the same as
we had. All good but cost us a lot. It was several years ago and all
systems have worked fine ever since. I have talked it over with our new
Sent from my
On 17 Feb
2018 11:38, "'Miles Bidwell' milesbid@... [amelyachtowners]" <amelyachtowners@...
I have been following
your sad story and I feel very badly for you. It is of no value to
you, but, on behalf of others, I want to put in some comments
following Eric’s post about Pantaenius insurance. I had Pantaenius
for 8 years in Europe after 6 months with Lloyds. Pantaenius was
about one-third the cost for better coverage. I didn’t have any
claims, but a friend had his boat almost destroyed on the hard by a
hurricane in Granada. He said that Pantaenius adjusters were the
first on the scene. His boat had a repair estimate (shipping back
to France) about the same as the agreed value. He chose to repair
and still has the boat. Pantaenius Europe does not
insure American owned boats in US waters (they don’t like trial lawyers)
so I had to give it up when I came back.
Now, Pantaenius has a
US company affiliate (subsidiary?) and I again have their
insurance. I have an agreed upon value policy that appears to be
exactly what they say it is. There is no fine print. We
agreed upon the value after I had an appraiser go over my boat and list
all of the things that I had added or replaced and the condition and we
estimated a market value that Pantaenius accepted without
question. I did have a major claim a year ago after
something big ran into my boat when it was on a mooring in Newport RI.
Pantaenius took care of their part without difficulty for me
and without any argument.
Ladybug, sm216 in Port du Marin,