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Registration and insurance
http://www.hobie.com/au/en/forums/viewtopic.php?f=71&t=54145		 Page 1 of 1
Author:  Grandpa [ Mon Mar 16, 2015 6:32 am ]
Post subject:  Registration and insurance
For the USA guys.
How many of you guys register your TI/AI with the state and also buy insurance? What insurance company and what are you approximate rates? What state do you live? When you register in SC as you would register a regular boat, a whole new set off rules apply, from what I understand.
I've been told different things, depending on who you ask in SC. Some say that you have to register and some say that you don't.
Author:  paces [ Mon Mar 16, 2015 7:37 am ]
Post subject:  Re: Registration and insurance
Grandpa wrote:
For the USA guys.
How many of you guys register your TI/AI with the state and also buy insurance? What insurance company and what are you approximate rates? What state do you live? When you register in SC as you would register a regular boat, a whole new set off rules apply, from what I understand.
I've been told different things, depending on who you ask in SC. Some say that you have to register and some say that you don't.

TI in Texas registered with Texas Parks and Wildlife as is required for all sailboats 14 feet in length or longer.

Insured with Amica for $180/yr (both TI and trailer on a marine policy), includes theft, damage, liability, medical and uninsured cover.
Author:  TI_Tom [ Mon Mar 16, 2015 7:41 am ]
Post subject:  Re: Registration and insurance
In Nebraska I don't have to register the boat, it's considered a kayak here. I do have to register the trailer though.

Insurance will probably be through Progressive.
Author:  srcboating [ Tue Mar 17, 2015 9:58 pm ]
Post subject:  Re: Registration and insurance
It looks like you have to register it in SC.

http://www.dnr.sc.gov/boating/sailboat.html
Author:  fusioneng [ Wed Mar 18, 2015 6:21 am ]
Post subject:  Re: Registration and insurance
In florida you have to register anything with a motor (i always carry a safety outboard because I'm offshore a lot). When I first got my TI i was chased down and stopped by local patrol, I tried to out run them but they had a Scarab with twin 250's (I told them that and they just laughed). They just wanted to check out my boat more than anything I suspect. They did say anything over 16 ft probably should be registered, and made sure I had the correct safety stuff. I suspect I was the first in Florida to try to register a Kayak, pretty much everyones reaction was 'you want to do what with your kayak', nobody knew what to do including the Hobie dealer regarding certificate of origin document (they had a huge pile of them in their office, I'm pretty sure I was the first to actually ask for one (lol). After Two months and many calls by the local DMV up state I finally got my title and registration. This is probably the most popular area for TI's I'm quite sure there are hundreds around here, to the best of my knowledge nobody else has theirs registered unless they have a motor on it.
My insurance agent Strongly suggested I title and Register the boat, explaining if it were stolen and recovered thats auotomatic grand theft (like a power boat or a car (felany theft)), where teenagers scurrying away with a kayak on there heads from my car roof isn't treated the same, and there is no link back to the owner if it is recovered. When registering any boat the HID is required, and registered just like the VIN on a car. My reasoning is why would you not title and register a $6000 dollar plus boat, pretty good assurance for a few bucks a year, also my insurance co required it if I wanted it covered.
If you go offshore It's a pretty good idea to have a boatus (or other) membership (like $125 bucks a yr) otherwise if you break down offshore the CG will come save you, but will likely sink your boat so it's not a hazzard to navigation (yea they can do that). We ran out of gas offshore once on my relatives 24ft powerboat, and Towus wanted if I remember correctly $500 bucks to bring us gas (read up on salvage laws) If they find your empty boat offshore it can cost you a fortune to get it back (more than the value of the boat i suspect). Obviously not many TI owners go offshore (mine is specially rigged and hardened for offshore FYI), and is not recommended unless you really know your stuff and the area (you can die out there too easily especially in a really tiny boat not rated for offshore (the stock TI is not)).
We live in So FL and the keys and are out most weekends, the keys can be very dangerous with very strong currents and many shallow coral shoals that will do damage, not even mentioning the un-pedictable weather. Also the keys are huge....and KW is just a tiny dot, if you miss it your pretty screwed (been there done that lol). Not too many small sail boats down there. But if your into diving an snorkeling there is no place better.
Just my 2 cents
Bob
Author:  Totch [ Wed Mar 18, 2015 9:05 pm ]
Post subject:  Re: Registration and insurance
I have mine registered in Georgia. As I understand it, if I never put the sail on I wouldn't have to register. I have registered my trailer as well.
No insurance for me (yet).
Author:  coachstevo [ Thu Mar 19, 2015 6:26 am ]
Post subject:  Re: Registration and insurance
in CA you have to register any sailboat over 8 feet, or any vessel that is propelled by anything other than a person.

If i never used the sail, i'd be golden...
Author:  Herbaldew [ Thu Mar 19, 2015 7:06 am ]
Post subject:  Re: Registration and insurance
Sailboats do have to be registered in SC. That brings the debate, is an Island a kayak or a sailboat? I would guess the majority of law enforcement personnel would vote it's no longer a kayak when amas/akas/sail are in use.

I pay $105 a year with a $250 deductable for my Trailex SU-350, the TI itself and Torqeedo Travel 1003 from State Farm.
Author:  Gypsea Pedaler [ Fri Mar 20, 2015 9:31 pm ]
Post subject:  Re: Registration and insurance
My dealer was surprised when I asked for certificate of origin so I could register my new TI. AZ does not require registration unless the boat is powered but, I plan to take it to CA and other states and don't need the hassle of getting stopped. Plus I can't slips at my local marina unless the boat is registered. $30.00 per year is easy to defend especially since it goes to AZ game and fish instead of DOT. Insurance is roughly $115.00 annually for an agreed value policy covering all US inland and coastal waters thru BoatUS.
Author:  Lumos [ Tue Mar 24, 2015 1:32 pm ]
Post subject:  Re: Registration and insurance
Must be registered in Texas with Texas Parks and Wildlife. I don't have insurance, though. I'm wondering if I should.

I spoke with my insurance company and they said home/auto would cover it outside the water where it's most likely to get damaged/stolen. I can't imagine that I could cause any damage to somebody else's property with it in the water. I suppose there is risk if I take a guest along.
Author:  RandomJoe [ Tue Mar 24, 2015 2:40 pm ]
Post subject:  Re: Registration and insurance
Oklahoma says all boats except for two specific exceptions must be registered. The exception that applies to kayaks is:

Quote:
“Canoe” means a light narrow boat with both ends sharp and which is propelled by paddling and includes similar craft such as kayaks.


Okay, I *can* paddle my TI, but I kinda feel like it's getting away from that definition! I haven't registered mine yet, and I haven't been approached by a cop. The kayak shop says they've never heard of anyone having an issue.

For now I'm letting it ride, will see how it goes, but I am inclined toward registering it just to eliminate that concern. (Though I REALLY don't want to put the registration numbers on the hull!) First year registration would be about $65, dropping slowly each year afterward, not a big deal.

Hadn't really thought about insuring it. Ought to at least check on what it'll cost...
Author:  FatherWarren [ Tue Mar 24, 2015 5:28 pm ]
Post subject:  Re: Registration and insurance
My current state of Mississippi, no registration, no insurance [trailer registered]

My new state of Idaho, no registration, no insurance [trailer registered]
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