Top Mystery Ghost Ships

There is something about a ship lost at sea which sends shivers down our spines and evokes a sense of mystery and chilling fatefulness. Maybe because the sea can become an endless void which is instinctively unnerving. However, even though thousands of ships have gone missing at sea some have become legendary and their tales timeless.

The U.S.S Cyclops was built in 1910 and was used in World War I to transport coal for the Navy. In 1918 on its way to the U.S from Brazil it completely disappeared without a trace not even a single S.O.S call. The shocking thing about this disaster is over 300 men lost their lives and to this day nobody has found any wreck or evidence of the ship. It remains the single largest loss of life experienced by the United States Navy of a vessel not in combat. According to records it was apparently overloaded with manganese ore, which could have contributed to its unfortunate demise.

The Ourang Medan is allegedly a Dutch merchant ship that sank in Indonesian waters in 1947. According to sources two ships answered an S.O.S call. The City of Baltimore and the Silver Star which were both American vessels. The distress messages exclaimed the rest of the crew were apparently dead. When the Silver Star arrived they found the entire crew dead on board with terrified expressions. As the crew of the Silver Star investigated The Ourang Medan allegedly set on fire and sank. To this day nobody knows exactly what happened on board and caused the fire. However, some believe the ship was carrying nitroglycerin and some kind of nerve chemicals which caused the deaths of the crew and eventual fire.

The Baychimo is a story of a ship that just wouldn't sink. It was abandoned near Alaska in 1931 because it was trapped in ice. After some time the ship broke free naturally and was seen adrift. The amazing thing is it remained adrift for almost 40 years without sinking. Various crew throughout the years tried to salvage the ship without success. Over the years sightings were recorded as recently as 1969.

The Mary Celeste is possibly one of the most famous ships in history. The ship was bound for Italy in 1872 with grain alcohol as its cargo. It was found in December 1872 by the crew of a British ship called the Dei Gratia. They allegedly found The Mary Celeste completely abandoned, but the ship was fully supplied, equipped and sea worthy. After investigation it was found that a life raft was missing but the mystery of the lost crew remained. To this day The Mary Celeste remains one of the great legends of the sea. Captain David Williams is cited as having the most practical solution to its mystery. After 30 years of research he basically concluded the ship set on fire in some way, the crew entered a life raft but forgot to tether it to the ship as a result they were left stranded.

Ghost ships, the Bermuda triangle and incredible mistakes made by crew all contribute to tragic stories which ultimately led to loss of life and the ships themselves.

Yacht Insurance by Velos Insurance.

Article Source: http://EzineArticles.com/?expert=Louise_Goldstein

Article Source: http://EzineArticles.com/6715815

Read more »

Marine Boat Insurance Guide

Insurance coverage needed by the ship owner in it activities for operating the ship as a transportation listed as follows:

1 Hull Insurance, including engines, boilers, all fixtures and ship equipment, it's called Hull and Machinery (H & M) insurance.
2 Increased value insurance or insurance disbursement.
3 Freight insurance.
4 Protection and Indemnity Insurance

Hull and Machinery Insurance

Protect the shipowner from any damage/physical damage of the ship, also guarantees the ship owners from it obligations and responsibilities to third-party, for example, if ship collided with another ship, ship crashed into the dock, and so on. Hull and Machinery insurance is only associated with the vessel, engine boilers, all equipment and ship equipment.

Commonly what is covered from loss is total loss, partial loss (particular average damage), the contribution of general average and salvage also obligations to third-party.

Increased Value Insurance

If the ship suffered a total loss as a result for the shipowner apart from the loss of his ship, also suffered losses of abstract(intangible loss), the loss of "ability" to earn income. Another result of the ship experienced a total loss, the crew will lose their jobs, as well as facilities and employees on the shore, especially in port operations will be reduced. Indeed, facilities and employees of the affected vessels may also be used and hired to serve the other ships, but nevertheless, the overall activity (over-all operations) will be impaired balance and reduced activity. In addition, the amount of compensation obtained by the shipowner from the insurer is not enough to buy a boat in same conditions with the ship experienced a total loss as a result of changes in world market prices ships (since then and now, in general prices of goods factory-made, including boats always rise in the world market). For losses(abstract) Thus, the insurer were willing to cover. This means, that the ship owner(insured) able to cover the insurance for such losses, called Increased Value Insurance also called Disbursement Insurance. Thus, losses in the abstract is treated as interest that can be insured(insurable interest), although very difficult to show an interest, but there is a loss if the vessel suffered a total loss.

Since it is very difficult to show an interest, then the proof of interest policy requirement is imprinted on the policy. It's very difficult to determine the amount of abstract loss, so does the possibility of vessel price increases at the time vessel coverage was closed. Because of this difficulty, usually Increased Value Insurance is expressed by a percentage(%) of the hull and machinery insurance coverage price by 10% for Increased Value that will be paid by the insurer.

Marine Cargo Insurance Guide: Provides various information related to marine transportation insurance in accordance with applicable legislation.

Article Source: http://EzineArticles.com/?expert=Hardy_Kres

Article Source: http://EzineArticles.com/6826021

Read more »

Reasons to Be Denied Boat Insurance

Owning a boat can be a very great adventure for everyone that has one. You are able to head out on the wide open seas and explore the world. When you buy a boat, it seems like everyone wants to be your friend. Weekends will be planned and days at sea will take over your life. Just like buying a car you will want to protect your new investment. Boat insurance is something that is necessary to protect your boat from the unknown wonders of the sea. However, do not think that you can just go out and get a policy. Some buyers are surprised to find that they will actually be denied coverage. To save you the hassle, this article will take a look at some of the most common reasons that people are denied boat insurance. Make sure that your boat does not fall into these categories and you should be on your way to wonderful weekends in the water.

One obvious reason that you will be denied boat insurance is that the boat itself is in bad condition. Hopefully you are not buying a boat in bad condition. If you are, expect that you will need to do a lot of work to make the boat pass inspection. If you put the work into your boat, not only will you have a great policy, you will make a lot of people jealous on the seas.

Just because you have a boat does not mean that you can act like a crazy person on the water. Believe it or not, you can still be ticketed for your behavior on the water. Speeding, drinking, and moving violations are all things that you can get while in the water. If you have too many of these violations then you can be denied coverage. At the same time if you have too many driving infractions they may deny you coverage on your boat. Just make sure that you are having fun and being responsible at the same time.

Another thing to keep in mind is the intended purpose and size of your boat. I know you might want the biggest and best boat on the water, but if it is too big then a regular policy may not be right for you. Talk to your insurance provider to find the best boat insurance policy for your vessel. Also, most companies will only insure your boat if you are intending to use it for personal use. If for some reason it will be used otherwise, you might have to get a different kind of policy.

Boats are meant to be fun and exciting. There are just a few reasons why you should not be able to get insurance. If you are worried about the type of coverage that you will receive then you can talk to your insurance provider before purchasing to find out what policy would be best for you. Some companies will even offer you discounted boat insurance rates for grouping your different policies together. Once you are insured you are ready to head out and have fun in the sun.

Amanda Rodriguez
Boat Dealer Insurance
Boat Insurance Information

Article Source: http://EzineArticles.com/?expert=Amanda_Rodriguez

Article Source: http://EzineArticles.com/6984574

Read more »

Do You Need Engagement Ring Insurance?

Engagement ring insurance can be a smart investment for many brides. This is especially true for high-value rings as the cost of replacement can be very expensive. However since the cost of insurance is often a percentage of the rings value, they insurance is a wise investment for all ring purchases.

Since engagement and wedding rings are worn daily, the risk of damage is great. Rings can easily become damaged during common, everyday activities such as cleaning, working and participating in recreational events. Stones can easily loosen with time and wear. Protecting an engagement ring with insurance will ensures that these damages will be quickly and easily repaired. Some policies include loss and theft as well.

When considering a policy, evaluate the coverage that will be provided. Are loss and theft covered? If so, what are the requirements for reporting? Is there a maximum replacement value or will the ring be completely replaced? As many policies cover periodic ring maintenance, it is also wise to determine if the policy that is being considered will maintain your ring. Are complementary cleanings offered? Some rings, especially white gold need occasional work to maintain color. Is this type of maintenance provided? Where will you be able to service the ring?

Some policies require a visit to a singular location which can be difficult later in life once you have moved. What will happen to the policy if your jeweler happens to go out of business? There are many important questions to consider as you consider purchasing ring insurance. Make sure that the policy is carefully reviewed and understood before purchase. Remember that if something is not in writing, it may not be honored at a later time.

Even if engagement ring insurance is purchased, you will want to learn how to properly care for and maintain your ring. Prevention may help to avoid the hassle of repair. While a lost ring can be replaced with another similar ring, the sentimental value that many place on their rings is irreplaceable and uninsurable. Learn about proper care and maintenance and be careful with your ring so that you can enjoy it for many years to come. Engagement ring insurance will offer peace of mind in case of loss or unpreventable damage.

Since an engagement ring is a big investment, it should be treated as such. Consider purchasing engagement ring insurance with your ring to protect it from the unexpected.

Pamela Kazmierczak writes many articles focused on Wedding Ideas and planning for weddings. Go To her site now and learn more about Engagement Ring Insurance Today!

Article Source: http://EzineArticles.com/?expert=Pam_Kazmierczak

Article Source: http://EzineArticles.com/5611707

Read more »

Engagement Ring Insurance

You love your man and you love your engagement ring. Just imagine how you would feel if you were to lose either. Although that's something you would much rather not think about, it's even more reason why investing in engagement ring insurance is extremely important. In case your ring should be stolen, lost or perhaps damaged, it will give you some peace of mind.

Unfortunately these things can and do happen. Your engagement ring does not just hold a monetary value, it also has emotional value due to the commitment it represents. However, should the unfortunate occur, at least you will be able to replace it without any added financial burdens. Thanks to having hindsight of acquiring, this can be a great comfort at a time of great loss.

There are various types of jewelry insurance policies in the marketplace. They vary greatly with different annual costs and reimbursement procedures. It is important, therefore, to check into which policy best suits you before making a purchase. For instance, a homeowner and renter's insurance often demands a premium payment which can range from around $500 up to $1,000. Often these policies do not cover loss or damage when the ring is outside the home. Furthermore, since they usually only cover the loss or damage of one ring, the premiums tend to be comparatively high.

When purchasing insurance for an engagement ring, always take into consideration the terms and regulations that the insurance company uses. Investigate information on deductibles, appraisals and refunds on lost, damaged and stolen jewelry. Also consider the type of insurance claim the company offers which can be for replacement, actual value, or a 'valued at' insurance policy.

It is also advisable to check if your current insurer can offer any additional insurance with regards to jewelry coverage. Since you are holding various insurance policies within that same company already, they may give discounts based on your overall premiums paid. In some instances the current insurer could even be in liaison with other companies who can offer engagement ring insurance, thus entitling you to a discount on any premium paid.

It always pays to shop around for insurance whether it is for your home, your car, or, as in this case, your engagement ring. Insurance can bring peace where there is chaos; relief when there is pain. And that can make the cost of ring insurance seem insignificant in comparison.

Click Engagement Ring Insurance or Engagement Ring [http://www.rings-4u.com] for more info. Copyright 2009 Ron X King.

Article Source: http://EzineArticles.com/?expert=Ron_King

Article Source: http://EzineArticles.com/3333805

Read more »

Why Buying Engagement Ring Insurance Is on The Rise

Did you know that the percentage of couples choosing to purchase engagement ring insurance is consistently on the rise? This may be due to the simple fact that many couples are learning the importance of protecting valuable investments. Couples regularly insure important items. This practice of insurance easily teaches couples the high value of quality insurance coverage. Couples are learning and beginning to realize that insurance will protect more than just homes and cars, it is an excellent choice for protecting your engagement ring.

Engagement ring insurance will cover you in the event of many different circumstances. For instance, ring insurance often offers protection against thievery, loss, damage, and necessary and cosmetic repairs. Often this insurance will cover the cost of sizing, refinishing or tightening the settings on a ring.

Loose or lost stones are a common problem that many rings face. Even well designed rings will encounter potential problems with lost or loose stones. Common day to day activities are rough on rings and overtime will lead to loose stones. If these stones are not properly monitored and maintained, they can fall out and be lost. Ring insurance will cover the cost of repairs when needed and the replacement of these lost stones should this occur.

It is so easy to lose an engagement ring. Rings can easily be removed and misplaced. They are often impossible to locate once they have been lost. Misplaced rings are rarely returned to their actual owners. Stolen rings are easily sold and commonly not returned. Replacing a lost or stolen ring can be a massive expense that many couples can not financially manage. Often this means that the couple will have to select a smaller, less beautiful ring as a replacement. If a ring is covered by engagement ring insurance, replacement is simple and often at no additional cost to the couple.

There are many different insurance policies available. This variety of policies makes it easy for a couple to find the best policy for their needs. There are policies available for every budget, lifestyle and ring type. Simple research will help you to determine the best policy for your individual and unique needs. Spend time selecting a policy to ensure that you make the best selection for your requirements and budget.

Couples that are preparing to purchase an engagement ring need to carefully analyze their need for engagement ring insurance.

Pamela Kazmierczak writes many articles focused on Wedding Ideas and planning for weddings. Go To her site now and read more about Engagement Ring Insurance Today - find out everything you need to know and decide if you need this added expense or not

Article Source: http://EzineArticles.com/?expert=Pam_Kazmierczak

Article Source: http://EzineArticles.com/5618378

Read more »

Five Reasons to Purchase Wedding Ring Insurance

A diamond ring is a large investment that will be best protected by wedding ring insurance. There are many different reasons why this type of insurance is an important way to protect your investment.

Reason One

Protection in case of theft. Large engagement and wedding rings are an easy target for petty theft. Thieves can quickly and easily steal your high value jewelry - as it is so small. Engagement rings are easy to sell on the black market and are rarely, if ever, recovered. A large and expensive ring can be very expensive to replace. In addition to the cost of replacement there is the priceless sentimental value that your ring holds. While ring insurance can not cover the sentimental value of your ring, it is a great way to cover the physical cost of replacing a stolen ring.

Reason Two

Protection from damage. Engagement rings are meant to be worn and enjoyed. You will likely wear your engagement everyday while performing a large assortment of daily tasks. These daily tasks and household chores can quickly damage your ring. Purchasing this type of insurance will protect your jewelry when this damage occurs. It will cover the cost of replacing or repairing your ring.

Reason Three

Protection of diamonds. Wedding ring insurance is a good idea to protect your diamonds. Diamonds are by far the most expensive element in an engagement ring. Ring insurance will typically cover lost diamonds. In addition, it will generally cover maintenance on your ring. This will help you to keep stone settings tight and in good repair to prevent potential diamond losses before they occur.

Reason Four

Protection from loss. Unfortunately rings get lost. This especially traumatic when the lost ring possess sentimental value that can not be replaced. Many ring insurance policies cover the cost of replacing a lost ring. Some policies however do not offer this coverage. When selecting insurance make sure that you understand the various terms associated with your policy. If you are worried about protection from loss be sure that your policy will cover this.

Reason Five

Protection from the unexpected. You never know what will happen to your ring. Ring insurance will protect your ring from known threats that can be predicted as well as the unexpected. Your policy will eliminate the need to worry about your ring. It will cover your engagement ring no matter what situation arises. It is a good protection to invest in to protect this valuable asset.

An engagement is an investment and should be protected like an investment. The cost of this type of insurance policy is generally calculated based on the value of the jewelry in question. This makes wedding ring insurance an affordable option no matter the size of the ring.

Pamela Kazmierczak writes numerous Wedding Ideas and wedding themed articles. Check out her site, Wedding Ideas if you are looking for help and free information to plan your wedding. If you enjoyed learning about wedding ring insurance you should check out engagement ring insurance to learn more about this topic today!

Article Source: http://EzineArticles.com/?expert=Pam_Kazmierczak

Article Source: http://EzineArticles.com/5028318

Read more »