Not long ago I was discussing watercraft and boat insurance with the owner of an insurance company in Kailua Hawaii, I think he noticed I was wearing a Kailua Canoe Club sweatshirt. We discussed some of the types of water toys, boats and marine businesses he insured. He noted that anyone who owned a jet ski had to have a license and insurance to do so. If there is no proof of insurance, it could be confiscated by the authorities, but more importantly, if it is stolen, you will eventually get it back if it is duly registered with its identification number.
This all made sense to me, and as I was thinking about it later that night, I saw on cable TV that someone had stolen a kayak from the back of the owner’s pickup truck. It had a sticker on it and the owner took a digital photo of it, which was broadcast all over Oahu. Think about it, where are you going, it’s an island, there’s nowhere to go, and I don’t know anyone who’s ever paddled a kayak to the mainland or anywhere away from that chain of islands. It’s a lot like the FBI’s most wanted list at the post office, or the Child Predator shows on TV, and mind you, TV aired this for free on the air for just a kayak, maybe $600.00 worth, but not much more than that for sure though.
The next night at the same cable station, there was a story where a car was traveling down the main highway in Hawaii (the H1) and as it passed under an overpass, a surfboard suddenly came through the window. Fortunately, this rare occurrence did not kill or injure anyone, but the highway was closed to the frustration of all motorists. Was there an altercation on the viaduct between young surfers? Did the surfboard accidentally fall? Do you think it was a stolen surfboard? Lastly, I can’t imagine the owner of the surfboard had insurance on it.
Nevertheless I bet the owner of the Mercedes SUV had some kind of uninsured car insurance, I wonder if flying surfboards without insurance count? Maybe I’ll ask my new insurance acquaintance what happens in such a case the next time I see him. The reality is you just never know what could happen – only that it could, and you’re going to need insurance at some point. Indeed, I hope you will consider and think about all of this.