Matthews, NAMS-CMS (licensed Insurance Adjustor & Marine
Surveyor) of Houston, TX has over 45 years experience in the
marine insurance establishment and more than 50 years of boating
experience. Mr. Matthews is opinionated and feels strong about
some aspects of his marine insurance experience. Mr. Matthews
has given us permission to re-publish four of his articles,
which should be of interest to the cruising community (The Surveyor
and the Salvor, The Islands of Paradise, The Aristocrats of
Caribbean Cruising & The Modern Pirates of the Caribbean).
Guy Matthews has
written two very good handbooks, "Yacht Owners Guide to
Marine Insurance" and "A Cruisers Guide to Yacht Insurance".
The focus of the Yacht Owners Guide to Marine Insurance is to
provide the owner with dependable information on how to properly
insure the yacht and how to deal with the marine insurance system
in the event of an accident. Mr. Matthews lists the following
basic rules of marine insurance that apply throughout his handbooks.
His rules are as follows:
- When buying yacht insurance, the purchaser generally gets what he pays for.
- The yacht owner should ALWAYS read the marine insurance policy before the
- The claimant sould always put all relevant comments, information, agreements
and findings in writing when dealing with marine insurance
- Marine or Yacht insurance policies cover accidental happenings or acts of
God, not events that are inevitable.
- The yacht owner has a responsibility to maintain and operate the insured vessel
in a reasonable manner and follow good marine practice. These
responsibilities are not transferable.
There are many
variables in the marine insurance experience, but if the yacht
owners actions are conducted with an awareness of the
above basic rules, the experience will be more satisfactory
and if not satisfactory, more understandable.
idea for a yacht insurance guide for cruisers originated late
one Friday Night in 1992 at the Trinidad Tobago Yacht Club during
a discussion with fellow cruisers about problems with their
insurers and difficulties in getting yacht claims adjusted and
paid. Blue Water insurance, Inc. highly recommends this publication
and offers a limited number of fist publication of this guide
on a cost + handling charge of $8.00 per handbook. Interested
parties should submit you name and mailing address along with
a VISA / MasterCard # and we will mail you the publication.
Jean and Capt.
Tom Service, an experienced cruising couple preparing their
CSY-44 cutter, S/V Jean Marie, for their second circumnavigation.
The objective of their articles is to communicate a philosophy
of boat, gear and cruising lifestyle for Blue Water Voyaging
to folks prepared to go cruising for the first time. Often asked
questions regarding life aboard a cruising sailboat, and the
equipment that is needed are answered. Jean is an accountant
and office manager for a law firm, and Tom is a retired US Navy
Diving and Salvage Officer as well as a past President of the
Seven Seas Cruising Association.
In the fall of
1987, on the same day that Tom retired from the Navy, the family
(Tom, Jean, Jennifer and Dawn, ages 11 &13) set off on a
voyage around the world. From 1987 to 1991 the Service family
conducted a 36,000-mile trade wind circumnavigation of the Southern
Hemisphere, west about via the Panama Canal, over Australia,
and under the Cape of Good Hope. After visiting over 40 island
groups and countries around the world they returned to St Petersburg,
Florida to complete the girls education.
Experience is a
great teacher, and this time around Tom & Jean have the
benefit of their first circumnavigation to help them navigate
the maze of decisions necessary to outfit and equip a Blue Water
cruising boat. During their first circumnavigation, the CSY-44
walkover proved to be a superb Blue Water cruising boat, and
comfortable and secure live-aboard home. However, S/V Jean Marie
is over twenty years old and has seen many miles of cruising
she needed a complete refit. Tom and Jean are well into
an extensive overhaul of S/V Jean Marie in preparation for moving
back aboard and returning to a voyaging lifestyle.