HOW DOES MEMBERSHIP DIFFER FROM BOAT INSURANCE?

Although commonly referred to as such, a Sea Assist membership is not insurance. It’s an assurance. We’ll come to your aid when things go wrong – provide a tow, deliver fuel or jump start your battery so you can get back on your way… It’s our job to help ensure your safety and we take that seriously.

Boat insurance is intended to protect very significant investments -your boat, electronics and gear, etc. – because disasters strike unexpectedly. Many boaters choose to skip the insurance, but it is a huge risk to be left without the means to repair or replace the boat you’ve worked so hard to acquire, let alone handle legal costs should you be faced with lawsuits after an accident.

Maintaining a Sea Assist membership as well as having boat insurance makes common sense – the two are intended to work together to ensure your boating needs are met in unexpected situations, however minor or major they may be.

WHY DO I NEED SEA ASSIST IF MY INSURANCE HAS TOWING COVERAGE?

A boat towing membership should be simple. Boat towing coverage bundled with an insurance policy is never as comprehensive as a membership to Sea Assist. Sea Assist has boats, insurance agencies do not. When you need help on the water, you’re still going to need to call us to assist.

Understand that Sea Assist membership is NOT part of your boat insurance policy. If you do not have a Sea Assist membership, you do not receive Sea Assist benefits.

Boat towing through insurance means, no priority service, coming out of pocket, filing claims, and never knowing who is coming to get you.

Sea Assist membership is simple. You know what you are covered for and not, with no fine print and no out-of-pocket surprises.

I'VE BEEN A MEMBER FOR THREE YEARS AND I HAVEN'T NEEDED YOU. CAN'T I JUST CALL YOU IF I NEED YOU?

The short answer is yes. But, when it comes to on-water assistance it’s not a question of IF, it’s a question of WHEN. The average cost of service for non-members is just over $850. That is the industry rate – not our rate alone. So $299/year for a Sea Assist Basic Membership is a small price to pay for The Missing Peace out on the water.

Besides, the moment you don’t renew your Sea Assist membership, will be the moment you will need to call for a Sea Assist.

TOWING COVERAGE ON INSURANCE POLICIES VS SEA ASSIST MEMBERSHIP?

We always encourage boaters to do some investigation with their insurance providers.

Some questions to ask are:

  • WHO is coming to service me on the water? Is there a guarantee that someone will come and that I won’t need to pay out-of-pocket?
  • Is there a dollar limit on coverage?
  • Will I get towed where I want to go as opposed to just the nearest safe port?
  • Is there a deductible on boat towing coverage?
  • Is there a limited use area or a limit on times of use (daytime or nighttime)?
  • How long does reimbursement take?
  • Does reimbursement count as a claim or casualty loss? Will it impact my future rates?
  • What boats are covered under the policy?
  • Are there any restrictions on coverage?

HOW DO I GET IN TOUCH WITH SEA ASSIST WHEN I NEED ON-WATER ASSISTANCE?

In emergency situations ALWAYS call  Bermuda Coastguard or 911 first.

Call Sea Assist via phone at  1 (441) 707-4869 

HOW FAR OFFSHORE AM I COVERED?

We will cover up to 12 Miles offshore although through Membership, you are only covered within the Outer Reef, between Pompano Tripod and Sea Buoy. How far offshore Sea Assist will go to get you is only limited by the sea conditions, fuel capacity of our boats and our ability to communicate with you. If, for any reason, Sea Assist cannot respond we will assist in arranging for an alternate provider which, in most cases, if we are unable to respond no other commercial assistance provider will be able to either, so we will defer to the Bermuda Coast Guard.

HOW QUICKLY CAN I EXPECT SEA ASSIST TO RESPOND MY REQUEST FOR HELP?

On average, Sea Assist Captains are on-scene in an average of 1-hour or less. Response times, however, vary with the situation. Some factors that may affect response times include call volume, distance and weather.  Assistance calls are handled in the order they are received but Sea Assist members are always served first before non-members.

WHAT IF I NEED A TOW BEFORE I GET MY MEMBERSHIP CARD?

Your membership is active 24-hours after the time your payment is processed. If your membership is active, covered services will be provided even if you don’t have a physical card in hand.

WHEN WILL I RECEIVE MY MEMBERSHIP CARD?

Your membership card will arrive 3-4 weeks after your membership becomes active. But don’t worry, even though you don’t have a physical card in hand, you’re still covered!

CAN I GET A REFUND ON MEMBERSHIP IF I SELL MY BOAT?

Sea Assist Membership is non-refundable but is transferable by the member with written notice.

HOW DO I UPDATE MY ACCOUNT INFORMATION?

Log in to your Sea Assist account and update with your new information or call and someone will assist you.