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hanschristian.org • View topic - Value of Hans Christian 48

Value of Hans Christian 48

Moderators: warmrain, mimoza

Value of Hans Christian 48

Postby liward » Thu Nov 18, 2010 4:56 pm

We have owned our Hans Christian 48 for 23 years and still love her. Right now we have an issue with our insurance company with the insured value of the boat. They want a new survey to support the value that we would like of $400,000. We have talked to a few surveyors and they say it might be a problem because values are so low right now. Does anyone have an info that might help? Currently we are in Panama and pictures can be seen at www.getjealous.com/liward
Thank you so much. If you would like to send a personal message our email is Liward48@hotmail.com
Lili and Steve
liward
Landlubber
 
Posts: 6
Joined: Wed Oct 24, 2007 6:13 pm

Postby clonjers » Wed Apr 17, 2013 6:28 pm

clonjers
First Mate
 
Posts: 216
Joined: Thu Oct 26, 2006 2:24 pm
Location: Long Beach, CA

Re: Value of Hans Christian 48

Postby grumpy » Mon Feb 17, 2014 10:16 am

Insurance companies tend to differentiate between "Current Market Value" and "Replacement Value"
The surveyors are referring to the market value, whereas what you are looking for is the replacement value ( or as referred to earlier: Agreed Value ).
Some insurance companies will accept an Agreed Value, subject to a current survey ( they do want to have an idea of what they are insuring ) and increased insurance premiums ( they however do not "over-insure", i.e. the difference between the actual value of the yacht and the replacement value.
You could shop around at a couple of insurance companies.
Hope this helps
Rik
grumpy
Crew
 
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