Non-owned vehicle insurance
Since we've sold our house, vehicles, and are living aboard full-time, I
was advised by my former insurance agent to look into coverage for
non-owned vehicle- IOW, when we're borrowing a car or driving one we
don't own. Primarily liability coverage. He also suggested it might be
easier to obtain coverage in the state in which we are licensed (FL). I
checked with an acquaintance who is a Progressive agent, also called
Geico, both no-go. They want a residence address, and since our 411
Walnut St. comes up as a PMB when they run it, they balk.
We've run into this with financial institutions, health coverage, all
those entities that don't comprehend that folks can live aboard and not
have a fixed address. ----"where are you calling from?" ---- "my boat"
----- "and where is it located?"---- "up and down the east coast"---
"can I place you on a short hold??".... you get the drift, we don't fit
their script.
Geico suggested I contact a broker in our zip area, I have yet to do so,
I wanted to see if there might be a quicker solution before I blind call.
Suggestions?
Steve Sipe
MTOA #3962
Solo 4303 /Maerin/
Lying Brunswick Landing
Steve:
We've heard that State Farm and USSA are two carriers that offer Non-Owned Auto coverage. You might also check with Scott at St. Brendan's Isle to see if they have a resolution.
Al Golden
International Marine Insurance Services
410-827-3757
-----Original Message-----
From: Trawlers-and-Trawlering [mailto:trawlers-bounces@lists.trawlering.com] On Behalf Of Steve Sipe via Trawlers-and-Trawlering
Sent: November 25, 2015 12:22
To: Trawlers and Trawlering trawlers@lists.trawlering.com
Subject: T&T: Non-owned vehicle insurance
Since we've sold our house, vehicles, and are living aboard full-time, I was advised by my former insurance agent to look into coverage for non-owned vehicle- IOW, when we're borrowing a car or driving one we don't own. Primarily liability coverage. He also suggested it might be easier to obtain coverage in the state in which we are licensed (FL). I checked with an acquaintance who is a Progressive agent, also called Geico, both no-go. They want a residence address, and since our 411 Walnut St. comes up as a PMB when they run it, they balk.
We've run into this with financial institutions, health coverage, all those entities that don't comprehend that folks can live aboard and not have a fixed address. ----"where are you calling from?" ---- "my boat"
----- "and where is it located?"---- "up and down the east coast"--- "can I place you on a short hold??".... you get the drift, we don't fit their script.
Geico suggested I contact a broker in our zip area, I have yet to do so, I wanted to see if there might be a quicker solution before I blind call.
Suggestions?
Steve Sipe
MTOA #3962
Solo 4303 /Maerin/
Lying Brunswick Landing
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Steve,
It's been awhile, but my recollection is that the Auto insurance follows
the car. IOW, if you are using a vehicle with the permission of the owner,
that owner's insurance is primary as respects liability. Your insurance,
Primary or otherwise, would be Excess of the owner's coverage. So basically
you only have to be sure the owner of the vehicle carries a reasonable
amount of coverage ($1 mil?), and that you don't run a school bus full of
kids off of the road. My AAA Auto policy provides H&NO coverage.
Of course there's always the outside possibility (in addition to the school
bus scenario) that the owner of the vehicle has been canceled for
non-payment of premiums, but that's a pretty slow process generally. The
owner could also say that you didn't have permission, so you need to pick
your friends carefully.
Personally I would not bother with trying to get Hired and Non-Owned
coverage for a personal auto. This coverage traditionally only is provided
to businesses that have many possible circumstances that involve rented or
borrow cars, and as an underwriter we would just toss in this coverage as a
precaution for a company that might get sued for whatever obscure reason.
In the case of a stand alone H&NO policy, you would likely confront a
minimum premium situation.
Phil de l'Etoile
Sacramento, CA
From: Trawlers-and-Trawlering [mailto:trawlers-bounces@lists.trawlering.com]
On Behalf Of Steve Sipe via Trawlers-and-Trawlering
Sent: November 25, 2015 12:22
To: Trawlers and Trawlering trawlers@lists.trawlering.com
Subject: T&T: Non-owned vehicle insurance
Since we've sold our house, vehicles, and are living aboard full-time, I
was advised by my former insurance agent to look into coverage for
non-owned vehicle- IOW, when we're borrowing a car or driving one we don't
own. Primarily liability coverage. He also suggested it might be easier to
obtain coverage in the state in which we are licensed (FL). I checked with
an acquaintance who is a Progressive agent, also called Geico, both no-go.
They want a residence address, and since our 411 Walnut St. comes up as a
PMB when they run it, they balk.
We've run into this with financial institutions, health coverage, all
those entities that don't comprehend that folks can live aboard and not
have a fixed address. ----"where are you calling from?" ---- "my boat"
----- "and where is it located?"---- "up and down the east coast"--- "can
I place you on a short hold??".... you get the drift, we don't fit their
script.
Geico suggested I contact a broker in our zip area, I have yet to do so, I
wanted to see if there might be a quicker solution before I blind call.
Suggestions?
Steve Sipe
MTOA #3962
Solo 4303 /Maerin/
Lying Brunswick Landing
Get an American Express gold card and use it for auto rentals. I know from personal experience that they will cover liability and comphrensive.
Sent from my iPad
Jim Barrentine
On Nov 26, 2015, at 5:10 PM, Phil de l'Etoile via Trawlers-and-Trawlering trawlers@lists.trawlering.com wrote:
Steve,
It's been awhile, but my recollection is that the Auto insurance follows
the car. IOW, if you are using a vehicle with the permission of the owner,
that owner's insurance is primary as respects liability. Your insurance,
Primary or otherwise, would be Excess of the owner's coverage. So basically
you only have to be sure the owner of the vehicle carries a reasonable
amount of coverage ($1 mil?), and that you don't run a school bus full of
kids off of the road. My AAA Auto policy provides H&NO coverage.
Of course there's always the outside possibility (in addition to the school
bus scenario) that the owner of the vehicle has been canceled for
non-payment of premiums, but that's a pretty slow process generally. The
owner could also say that you didn't have permission, so you need to pick
your friends carefully.
Personally I would not bother with trying to get Hired and Non-Owned
coverage for a personal auto. This coverage traditionally only is provided
to businesses that have many possible circumstances that involve rented or
borrow cars, and as an underwriter we would just toss in this coverage as a
precaution for a company that might get sued for whatever obscure reason.
In the case of a stand alone H&NO policy, you would likely confront a
minimum premium situation.
Phil de l'Etoile
Sacramento, CA
From: Trawlers-and-Trawlering [mailto:trawlers-bounces@lists.trawlering.com]
On Behalf Of Steve Sipe via Trawlers-and-Trawlering
Sent: November 25, 2015 12:22
To: Trawlers and Trawlering trawlers@lists.trawlering.com
Subject: T&T: Non-owned vehicle insurance
Since we've sold our house, vehicles, and are living aboard full-time, I
was advised by my former insurance agent to look into coverage for
non-owned vehicle- IOW, when we're borrowing a car or driving one we don't
own. Primarily liability coverage. He also suggested it might be easier to
obtain coverage in the state in which we are licensed (FL). I checked with
an acquaintance who is a Progressive agent, also called Geico, both no-go.
They want a residence address, and since our 411 Walnut St. comes up as a
PMB when they run it, they balk.
We've run into this with financial institutions, health coverage, all
those entities that don't comprehend that folks can live aboard and not
have a fixed address. ----"where are you calling from?" ---- "my boat"
----- "and where is it located?"---- "up and down the east coast"--- "can
I place you on a short hold??".... you get the drift, we don't fit their
script.
Geico suggested I contact a broker in our zip area, I have yet to do so, I
wanted to see if there might be a quicker solution before I blind call.
Suggestions?
Steve Sipe
MTOA #3962
Solo 4303 /Maerin/
Lying Brunswick Landing
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I have coverage for rentals, it's not the primary objective. I did look
into AmEx and their website specifically excludes liability, I do not
know about the Gold Card coverage. My VISA card also covers
comprehensive provided I decline the rental contract's comprehensive
coverage, but specifically excludes liability coverage.
My concern and that of my former agent and friend is liability coverage
for loaned or borrowed vehicles, since I no longer have homeowners or
auto insurance. Those policies would typically provide liability
coverage in the event there was a claim while I was driving a borrowed
vehicle, and that liability coverage would kick in at the limits of the
coverage provided by the vehicle owner's policy, protecting me from
their carrier, in essence. That's my understanding.
Thanks for all the replies!
On 11/26/2015 5:52 PM, Jim Barrentine via Trawlers-and-Trawlering wrote:
Get an American Express gold card and use it for auto rentals. I know from personal experience that they will cover liability and comphrensive.
Sent from my iPad
Jim Barrentine
On Nov 26, 2015, at 5:10 PM, Phil de l'Etoile via Trawlers-and-Trawlering trawlers@lists.trawlering.com wrote:
Steve,
It's been awhile, but my recollection is that the Auto insurance follows
the car. IOW, if you are using a vehicle with the permission of the owner,
that owner's insurance is primary as respects liability. Your insurance,
Primary or otherwise, would be Excess of the owner's coverage. So basically