Perhaps U should take a look at
www.anno1503.com !?!
It is a known Problem that anno crashes while loading savegames. They tried to solve this prob with v 1.02.02 but it still kept crashing on some systems. Thats why they came up with v 1.04.02!!
I hope this will solve that problem.
But here is the next: There is no no-cd patch available for that version by now.
So do like i do : Try to relax and wait!