A couple of points to consider:
You are going to spend some real time negotiating what MTOA has already negotiated.
Then you have to keep on top of it to insure it stays that way.
MTOA is constantly reviewing the issue which is something I don't want to do.
When your boat gets old (my last one was) you won't have to shop around to find someone to insure it. MTOA has convinced their insurer that members' boats are better maintained than most, even if elderly, and the members are less likely to do something dumb, even if elderly.
I just sent in my MTOA renewal. $67.00 for a year, I believe.
Not a bad deal and you get a cute burgee.
Fred SorensenMTOA 5371

Sent from my iPad which is responsible for all grammar errors.
On Nov 26, 2018, at 6:21 PM, Phil pdeli3@gmail.com wrote:

Thanks.

I'm not clear that one cannot get that endorsement without the MTOA membership. My conversations today touched on the subject but I'm sure we were both talking about the same thing.

That's one of the issues I hope to clear up on Wednesday.

Phil  

On Monday, November 26, 2018, Fred via Trawlers-and-Trawlering trawlers@lists.trawlering.com wrote:

Fred,

1. I'm really not expecting to be negotiating. I'm only wanting to figure
   out what the options are.

2. My boat is already old (1988), but not as old as me.

One of the points that I attempted to make with the people that I talked to
yesterday was that the underwriting criteria for increasing premiums or
restrictions on "old" boats seems to me to be a false one. The surveyor
supposedly does the evaluating.

I may have said earlier that as an underwriter I would spend more time
trying to evaluate the operator of the boat if possible. Unfortunately
however I don't have any sense of how the actual losses play out. It's the
loss ratio that really should determine pricing & policy terms and
conditions.

As respects burgees, that certainly is consideration.

So tonight I make some notes in preparation for tomorrow's phone calls.

BTW, one of the people that I hope you talk to would be a Claims Adjuster.
Those are the folks that can really make your life miserable.

Later,

Phil de l'Etoile
West Sacramento, CA

On Tuesday, November 27, 2018, Fcsorensen fcsorensen@aol.com wrote: