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Jet Boat insurance

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Paul

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« on: June 10, 2010, 07:44:55 AM »
I have a 1977 Caibbean jet boat with a 455 Olds / having a hard time getting liability insurance due to engine not covered. Do not really want to cover engine. Have a great record / any suggestions ???


76 Wreidt

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« Reply #1 on: June 10, 2010, 08:29:01 AM »
I have progressive and my boat even has over the transom headers.

Luckie Stiff

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« Reply #2 on: June 10, 2010, 08:53:21 AM »
I have progressive and my boat even has over the transom headers.

Good luck with that if you ever need to file any kind of claim.
"Don't you realize that there are already enough people in the world to hate without you putting so much effort into giving me another?"

76 Bonneville

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« Reply #3 on: June 10, 2010, 09:01:05 AM »
Welcome Paul,
Went to AAA a couple of weeks ago.
The only thing they asked about was the HP and top speed.
That was for a 18' Rogers, with an open motor.

Paul

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« Reply #4 on: June 10, 2010, 09:02:32 AM »
Progressive turned me down for no cover on engine / and i have thru transome exhaust  :banghead:

Paul

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« Reply #5 on: June 10, 2010, 09:06:06 AM »
Thanks i will try AAA  i have them for roadside help

lbhsbz

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« Reply #6 on: June 10, 2010, 09:17:13 AM »
I've got AAA homeowners and auto and when the dude was out checking out the house to write my policy...I told him I had a little 18ft boat to insure....he laughed at me when I showed it to him.  He said "maybe, if you take that engine out and buy another paddle"...

Your Mom

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« Reply #7 on: June 10, 2010, 11:09:32 AM »
I called AAA and they told me under 500 hp and only 5000 for value on a 73.

CHROMEY

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« Reply #8 on: June 10, 2010, 11:14:38 AM »
i had progressive before and now i have state farm....but i do have a cruiser though.
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countryboyaustin

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« Reply #9 on: June 10, 2010, 11:20:39 AM »
I insured mine and they have never asked for a a picture of the boat and they never asked if the motor was covered. I am sure if something happens and I make a claim that it might get dropped afterwards but hey then ill go find insurance elsewhere!
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« Reply #10 on: June 10, 2010, 11:26:24 AM »
Progressive here.  Stock as manufactured Olds TT & engine cover (they asked about all that).  As soon as I told them top speed was under 50 mph they said Noooo problemo.  $520/yr.  I think.
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« Reply #11 on: June 10, 2010, 11:38:34 AM »
I insured mine and they have never asked for a a picture of the boat and they never asked if the motor was covered. I am sure if something happens and I make a claim that it might get dropped afterwards but hey then ill go find insurance elsewhere!

No, they'll deny the claim and you're fukked. Trust me on this, there's many people that have been misled by Flo and her corporate asshats.
"Don't you realize that there are already enough people in the world to hate without you putting so much effort into giving me another?"

1972Challenger

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« Reply #12 on: June 10, 2010, 12:16:02 PM »
so are you guys sayin to go with AAA??? i still gotta insure my boat (have not been on the water yet) and i was goin to go with alstate cause i use then for my truck... im not sure what hp my boat has tho...

countryboyaustin

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« Reply #13 on: June 10, 2010, 01:36:37 PM »
On what grounds would they deny my claim? I answered each question that they had for me and answered it 100% truthfully.
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Nordie

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« Reply #14 on: June 10, 2010, 01:54:48 PM »
been denied a couple of places! same answer every time! no engine cover  :banghead:

kinda makes me mad, because i would really like to do the right thing and have insurance! and i cant seem to get any!!!!


If im not posting..I'm pooping!

Luckie Stiff

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« Reply #15 on: June 10, 2010, 04:11:22 PM »
been denied a couple of places! same answer every time! no engine cover  :banghead:

kinda makes me mad, because i would really like to do the right thing and have insurance! and i cant seem to get any!!!!

Devin Wozencraft CAN insure your boat. Hit him up.
http://www.wozencraftinsurance.com/
"Don't you realize that there are already enough people in the world to hate without you putting so much effort into giving me another?"

Luckie Stiff

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« Reply #16 on: June 10, 2010, 04:12:06 PM »
On what grounds would they deny my claim? I answered each question that they had for me and answered it 100% truthfully.

As long as you haven't modified the motor from stock specs, you'll be fine.
"Don't you realize that there are already enough people in the world to hate without you putting so much effort into giving me another?"

Paul

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« Reply #17 on: June 10, 2010, 05:08:45 PM »
Thanks i try that / i have not motified the 455 Olds but i really do not know the Horse Power if they ask 

Your Mom

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« Reply #18 on: June 10, 2010, 05:37:45 PM »
Go with Allstate or State farm...going with an agent who sells ins and finds a company means your paying him to look around. Make sure you take alot of photos and insure for what it would take to replace it.

IRRebel

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« Reply #19 on: June 10, 2010, 05:39:31 PM »
Skip has me worried a lil! I may have been smart, maybe not. When Cin and I bought the house, I needed an insurance binder so the broker got me in with his bud at State Farm. Ended up putting my car insurance as well as all the riders on my policies for all the guns, etc.

Getting into boats, they first said no way on Moo, so all I said was, fine, then, I'll take all my business to someone that will.

They took pictures, I had the agent SIGN pictures I keep in a file here, and they agreed to cover them. Everytime I bought another one, I printed a picture, stopped by, and had them sign it..........

500 years from now those pictures are gonna turn up in a dig and they're gonna hail Hortencia Reyes who musta been the greatest boat racer ever....... :screwy:

Ray
"Life's journey is not to arrive at the grave safely in a well preserved body, but rather to skid in sideways totally worn out shouting 'Holy Shit what a ride!"---Crewcheif22 AKA Keith

76NORDIC

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« Reply #20 on: June 10, 2010, 05:55:40 PM »
Got my INS. thru Boat US
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Paul

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« Reply #21 on: June 11, 2010, 01:34:17 PM »
Just got coverage with AAA at a great rate and coverage / thanks to all of you for the input / have a great weekend

74 howard 21rc

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« Reply #22 on: June 11, 2010, 10:42:41 PM »
you could give my buddy a call at Nick Rose Insurance.He has an office in CA and an office in AZ.His #'s are ca (661)253-1131 or Az (928)669-2900.He will insure anything that floats from big HP to small HP.Insure's race boats also.
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Crzy2bealive

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« Reply #23 on: June 12, 2012, 03:53:03 PM »
Hate to bump an old thread but why would a insurance company not want to insure a boat with no engine cover?


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Ralph Brunt

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« Reply #24 on: June 12, 2012, 05:34:11 PM »
Hate to bump an old thread but why would a insurance company not want to insure a boat with no engine cover?


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