FASHION
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Michelle and her god-daughter (my daughter)<br />
find intriguing. Some people even think we are related<br />
because we are rarely in the same social circle but always<br />
together!<br />
My best friend has been a blessing, she challenged me<br />
when I doubted my ability, motivated me when I was<br />
ready to give up and she was there for me when life was<br />
not so good to me. She continues to do so even if we are<br />
miles apart.<br />
I hope that others have been blessed with amazing<br />
friendships too and that they are grateful for those who<br />
are still in their lives. Friendship is an important part of<br />
life, so value your friends, treat them as you would like to<br />
be treated and you will be rewarded with trust, openness,<br />
support and never-ending friendship. I feel so blessed to<br />
have a friend like Michelle.<br />
SACOS MARINE HULL AND YACHT INSURANCE<br />
Insurance is important as it does not matter what type of vessel you<br />
purchase, you want to know your investment is safe; be it a yacht, fishing<br />
vessel, or be it a luxury cruiser, for personal use or charter, industrial fishing<br />
or week-end pleasure fishing, you have invested and deserve peace of<br />
mind.<br />
A good quality insurance policy therefore gives you that peace of mind<br />
that, whether you are with the vessel at the time or away from the vessel,<br />
you’re covered. As standard, we recommend comprehensive cover, as<br />
similar to your car and particularly if the value of your boat is relatively high<br />
then you need to ensure your own vessel is also fully repaired/ replaced in<br />
the event of an accident. This gives you less exposure to the potential of<br />
very expensive boat repair bills.<br />
But the insurance does not take away your responsibility to ensure that<br />
your vessel is properly secured and maintained properly.<br />
SACOS Marine Hull/Yacht Insurance has two distinctive risk groups, cover<br />
for which can be bought separately or together if necessary and is available<br />
for small boats through to ocean-going vessels:<br />
a) Hull cover<br />
b) Liability insurance<br />
The hull and superstructure insurance covers the physical vessel itself<br />
against a list of maritime perils and is subject to what is called the ‘Institute<br />
time clause’. The cover always extends to both; physical damage to the<br />
vessel and collision liability.<br />
The insured ship or boat is covered for loss or damage for a list of maritime<br />
perils called ‘perils at sea’, fire, explosion, violent theft, piracy, jettison,<br />
earthquake, tsunami and volcanic eruption. Some perils are subject to<br />
specific additional premiums depending on risk assessment.<br />
Liability cover would include the insured’s liability to third parties,<br />
passengers and crew as well as third party material damage caused by you.<br />
Contact the SACOS Insurance Company Ltd on telephone 4295,000 or Pay<br />
SACOS a visit at the SACOS Tower, Palm Street, Victoria.<br />
SACOS - Rest Assured, Be Insured<br />
Contributed by SACOS Insurance Company Ltd.<br />
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MARCH 2015 | POTPOURRI 10