Author: Abhishek Agarwal

When you buy a yacht it is important to weight the necessity of insurance as also the many insurance options available for you. At the outset you must increase your deductible amount. This is the amount of cash you have to shrug out for repairs of the yacht, which includes replacement of mechanical and structural parts of the yacht you have bought. Then let the insurance agent deal with the rest of the insurance procedure. This will ensure that your monthly insurance premium will be a lot lower because your up front is a little higher. However, this option is only for those who can afford to pay a larger deductible amount. There is another way for you to save a bit of cash and that is to cut back on the amount you are insuring your yacht for. The deductible will be lower and so will the monthly insurance premium. Your claim will also, however, be much lower, probably not entirely indemnifying your losses if and when the need arises.

If you own an old yacht the insurance company will typically not insure certain parts of the yacht. This will lower your insurance costs a great deal. You should consider ways to lower your insurance costs every year.

Before you finalize which company you want to get your insurance from it is best to do a bit of research on the internet. The internet enables you to research the many insurance companies and compare their policy costs. You must study their policy and find the list of parts and the conditions they will not cover under the policy. Since all the policies are worded in much the same manner you will find little difference in the policies, however, you must take some precaution when finalizing the policy in order to get the best deal.

Your demographic location is also a deciding factor on the pricing of your yacht insurance. If you are in an area that is prone to natural disasters you are less likely to get a cheap yacht insurance policy on your yacht. The insurance company will also look at where you keep your yacht and the security implications. If your yacht is susceptible to vandalism and theft in the place it is docked, the insurance company may deem it fit to charge you a higher premium. You should store your yacht in an enclosed space to get the best insurance prices.

Cheap yacht insurance will save you money every month and you should consider taking out insurance and decreasing the insured amount every year. As your yacht ages you will have to pay a lower premium and then you might just consider selling it for a newer yacht when the premium reaches the lowest where you get nothing in the event of a loss.

Author: K.Thomas

For Sea Men and yachters starting out, many terms often used by yachters, cause many a headache in learning these terms.Here for you is a list of most common and widely used terms in the modern day yachting vocabulary.

Presenting to you now, is a basic comprehensive list of some of the top yachting terms. Learn these and you are well on your way to becoming proficient in modern day sailer lingo.

If you Google On Line yachting, you will find courses where all of these terms are defined. You will become more an expert for your effort in learning them.

1- Wake - When yachts move accross the water, a wake is left trailing the yacht that looks like a path of churning waves and disturbed water trailing behind the yacht.

2- Portside - If you are facing the fron of the yacht, the left side of the yacht is the port side.

3- Starboard - Facing forward to the bow, on your right side would be Starboard.

4- Abaft - To go towards the stern, behind the yacht, is abaft.

5- Abaft - If you are walking towards the rear of the yacht, you are going abaft.

6- Cabin - These are what the crew or passengers use to get out of the elements. Another word for this purpose would be compartment.

7- Stern - At the rear of the yacht is the stern.

8- Abeam - Not on the yacht, but in relation to the keel, it would be at right angles.

9- Navigation - To plan and direct through charts and instruments the movement of the yacht from one point to another.

10- Capsize - If your watercraft is flipped over for any reason, rather a rogue wave, or from being blown over from huricane gail force winds. It has capsized.

11- Tide - Due to the pull of the moons gravity, the water levels of the oceans rise at its strongest pull, and drops when it lessens. In port, the water will be deaper at high tide, and less deap at low tide.

12- Aboard - If you are anywhere on the yacht, you are onboard the yacht.

13- Latitude - is from the Equator going North or South, for any distance, measured in degrees.

14- Ground Tackle - Usually designates the anchor, its chain and assorted equipment that goes with it.

15- Longitude - At the Greenwich Meridian in England going East or West for any distance is Longitude. Longitude is measured in degrees.

16- Bearing - The direction of a yacht, either by its true bearing that the chart would show, or by its realities bearing based on another object.

17- Flood - Incoming water currents,usually from an unwanted opening, on a yacht usually unless corrected, is a precursor to the yacht sinking.

18- Overboard - If you fall off the yacht, you are overboard.

19- Inboard - Pretty much the interior of the yacht. For example the compartment where the yachts motor resides is inboard. Sometimes motors enclosed as such are called inboard motors.

20- Longitude - West or east of Englands Meridian of Greenwich, measured by degrees.

21- The bow - The front of the yacht.

22- Batten Down - When you close doors and water tight hatches, you are battening down. This also includes securing all lose objects and materials so they do not go flying about during or a storm for example. Battening down can prevent a yacht from sinking or people from getting hurt by falling or flailing objects.

Author: Abhishek Agarwal

Whenever you opt for buying a used item you will come across some words that give the seller the options for a better price by proving that his wares are not harshly and roughly handled by the previous owner. You should not fall for certain terms when you are looking at the option of buying a second hand sail yacht. Some of the terms to beware of are “Gently worn,” “previously owned,” “recycled,” and “reconditioned”. So even when the item to be purchased is a second hand sail yacht you should view it with the same options.

Some plus points of a second hand sail yacht

There are some beneficial points to think about in buying a second hand sailyacht. First and foremost it will cost you much less than if you were to go in for a new one. It is definitely a cheaper way to get caught up in the sailing business. You may find that the yacht in question has additional features, without your having to pay for it, which you may not have found in a brand new yacht. The yacht that you are thinking of buying may be a unique one that is not found in the market any more and maybe just one of its kind that will not be manufactured here after.

Make a thorough check before you buy it

Do not go in for the sail yacht unless you check it out thoroughly and are absolutely sure of its condition. In case you are not capable of finding out the problems that may exist in the sail yacht that is second hand, it is better to get someone who knows about how to check things about and find out the true picture. You would need someone who can look out for any faults in the design, or an effort to conceal some severe problems with a poor patch up job.

You could hire a surveyor who would be able to tell you the pros and cons of the choice of yacht. This is suggested only when the price of the yacht or insurance calls for it. Of course you need not go in for a surveyor if you just want to decide which option would be a better buy. Surveyors are specialists and their services are not cheap.

What are the other options to make a examination of the yacht

You could always ask the previous owners about the condition of the yacht. A definite indication would be a scrutiny of the yachts log book where you could ask relevant questions regarding the use of the yacht and the repairs that have been undertaken. Another thing that would give you some idea of the condition of the yacht, is to weigh it against other yachts in its class and of the same age. Once you jot down the points and go over them you will be able to have a fair idea of the general condition of the yacht.

Make a meticulous inspection of the yacht at the time that you go to see it. Examine in detail every bit and piece of it. Begin with the hull, as the rest of the yacht will depend on this as this is the most vital part of the craft. Examine the hull to see if it is smooth and regular and flowing according to the design.

Examine it for other factors like weeping, delamination and various gel coat problems. In case there is substantial gel coat cracking or large amount of leaking all the way through the hull-to-deck joint, think about your choices for this used sail yacht.
Some other problems to look out for are erosion of the electric system.

In case this is green, it is corroded. In case the hull is of iron check for rusting. Check to see whether the sails are stained and dirty, the inboard engine slow to start and rusty, the paint on the interior peeling or chipping and the plumbing smelly, it may be a better bet to avoid going in for this sail yacht.

You will have to give a lot of time and energy and money for a sailyacht. Though repairs are essential for all yachts it should not be so, right in the beginning of your sailing experience. A prudent thing to keep in mind would be to estimate whether the cost of doing up and repairing the yacht would be more than the resale value of the yacht. If this is so then you should not plan to buy the yacht.