SoCal Jet Boats

Discussion => The No Wake Zone => Topic started by: SUNBURN on February 17, 2010, 09:15:17 AM

Title: boat insurance
Post by: SUNBURN on February 17, 2010, 09:15:17 AM: anybody out there got any ideas on boat insurance,my auto ins doesnt cover boats & geico straight jacks people
Title: Re: boat insurance
Post by: 76NORDIC on February 17, 2010, 09:38:05 AM: I have my boat insurance thru Boat US :thumbup:
Title: Re: boat insurance
Post by: 82daytona on February 17, 2010, 09:41:39 AM: i use amfam :thumbup: :thumbup:
Title: Re: boat insurance
Post by: SUNBURN on February 17, 2010, 09:50:49 AM: thanks for the info guys,boat us turned me down because the engine was exposed,their callin it a drag boat!i'll take that as a compliment.
Title: Re: boat insurance
Post by: GlassCutter on February 17, 2010, 10:12:07 AM: I use Progressive. They asked very few questions ;D
You might also check over at RDP, they have a couple people there that specialize in marine insurance.
Title: Re: boat insurance
Post by: SUNBURN on February 17, 2010, 10:26:43 AM: thanks glass,im workin with progressive they do seem a little friendly'r to the lead footed beer drinkin jetter,lol j/k
Title: Re: boat insurance
Post by: Luckie Stiff on February 17, 2010, 10:55:40 AM: Good luck with Progressive, sure they'll insure you, until you make a claim and the adjuster sees O/T headers, then it's all bets off.
Title: Re: boat insurance
Post by: Donjuan on February 17, 2010, 10:58:47 AM: I think I have progressive. I go through Engel Insurance Brokers. Great people and go t what I needed for a good price. If you are interested call and ask for Brittney. Teller her DJ recommended you. 805-544-8929
Title: Re: boat insurance
Post by: Luckie Stiff on February 17, 2010, 11:41:00 AM: The thing with Progressive is that they will write the policies all day long, then when you need them, to make a claim say, the adjuster will tell you point blank that the policy isn't worth the paper it's printed on, they will happily refund all of your premiums to date and deny your claim. Yes, this is legal, yes they do it. The insurance writers don't necessarily know all of the ins and outs of the policy, that's why they'll sell it to you, then when your claim is made, it's denied on the basis of fraudulent information provided. Trust me on this, if you have progressive, or any other insurance, CALL your agent, tell them EXACTLY what your boat is,type of headers, HP, top speed, DO NOT leave anything out or you will be in a world of shit when you need to make a claim.
Title: Re: boat insurance
Post by: 2savage4you on February 17, 2010, 12:11:19 PM: State Farm on my first boat , but they would not touch the Caribbean because of O/T headers :mad:
Title: Re: boat insurance
Post by: farmergord on February 17, 2010, 12:39:12 PM: I hope this is not a dumb question but when you guys insure a boat do you insure the boat against damage or is it liability in case of accident ? I have owned various runabout ski boat for the past 30 years and have never had insuance but now with the jet i want liability dont really care about anything else
Title: Re: boat insurance
Post by: 76NORDIC on February 17, 2010, 12:50:35 PM: For me it's just liability, and medical for whomever is in my boat, also the enviromental part if was sunk
Title: Re: boat insurance
Post by: SUNBURN on February 17, 2010, 03:16:10 PM: wow thanks for the heads up lucky stiff! :banghead:300$ a year w/progressive,seemed too easy & to good to be true. do you have any recomondations on the insurance or anybody that will insure a jet w/ot's?
Title: Re: boat insurance
Post by: OC2Vegas on February 17, 2010, 03:36:48 PM: Follow Skips advice.

"IF" you "Fully Disclose" (and its in writing) your boat (HP, Headers, Engine Cover, etc) and a company still writes you a policy they will have to pay a claim.

If you get a policy over the phone/online and the questions are not asked and you dont disclose they will do as Skip says.
Title: Re: boat insurance
Post by: Luckie Stiff on February 17, 2010, 04:51:25 PM: Quote from: SUNBURN on February 17, 2010, 03:16:10 PM
wow thanks for the heads up lucky stiff! :banghead:300$ a year w/progressive,seemed too easy & to good to be true. do you have any recomondations on the insurance or anybody that will insure a jet w/ot's?

DEVIN WOZENCRAFT.

http://www.wozencraftinsurance.com/ (http://www.wozencraftinsurance.com/)

888-477-6517

Nick Rose
Rose Insurance Agency
23822 Valencia Blvd., Suite 210
Valencia, CA 91355

Bus: 661-253-1131
2nd: 714-465-4849
Fax: 661-257-6634
Title: Re: boat insurance
Post by: beerjet on February 17, 2010, 06:21:42 PM: Insurance ....
Whats that ???

-beerjet-
Title: Re: boat insurance
Post by: GlassCutter on February 17, 2010, 07:20:36 PM: Skip you are knocking Progressive pretty hard. How many cases have you heard of them screwing people firsthand? My insured boat is 100% stock, just the way the factory made it. TT logs and engine cover.
They did ask me about top speed and I think I told them 50 but so far I haven't been able to go that fast :banghead: Should I worry? My auto comp. doesn't do boats and Progressive was the first next place I tried.
Title: Re: boat insurance
Post by: Luckie Stiff on February 17, 2010, 08:25:56 PM: GC- If you told them the truth, 100% then you're fine. It's just boats with high HP, OT headers etc that they will not pay a claim on. It happened to a good friend of mine 2 years ago with his flatty. He's still paying that shit off

If you're worried about it, call your agent, or use AAA, they'll cover your boat.
Title: Re: boat insurance
Post by: Luckie Stiff on February 24, 2010, 10:21:05 AM: UPDATE:

I just got off the phone with a Progressive broker who last week assured me that I would have no issues with open engine and O/T headers. I asked her in no uncertain terms to VERIFY that the information she was giving me was 100% correct. She got back to me today, after searching through all of the Progressive underwriting rules and regs, in the small print she found that they DO NOT insure open engines or O/T headers. She is now searching some other companies for me.

My advice, if you have Progressive, you better double, triple check your coverage. DJ this is your agent that I spoke to, you better call her.

Skip
Title: Re: boat insurance
Post by: OC2Vegas on February 24, 2010, 10:24:07 AM: Quote from: Luckie Stiff on February 24, 2010, 10:21:05 AM
UPDATE:

I just got off the phone with a Progressive broker who last week assured me that I would have no issues with open engine and O/T headers. I asked her in no uncertain terms to VERIFY that the information she was giving me was 100% correct. She got back to me today, after searching through all of the Progressive underwriting rules and regs, in the small print she found that they DO NOT insure open engines or O/T headers. She is now searching some other companies for me.

My advice, if you have Progressive, you better double, triple check your coverage. DJ this is your agent that I spoke to, you better call her.

Skip

I would also ask for ALL of your Premiums back since they wrote you a policy THEY would NOT of paid out on! :thumbdown:
Title: Re: boat insurance
Post by: Donjuan on February 24, 2010, 01:01:08 PM: Just got off the phone with Sara at Engle. She notified my broker and also confirmed I was not covered do to the headers. So hopefully I will be getting a check back for back pay to them. Skip thanks for the heads up. I should hear from Britteney or Sara tomorrow with some new providers.
Title: Re: boat insurance
Post by: sturat 514 on February 24, 2010, 01:01:35 PM: Quote from: GlassCutter on February 17, 2010, 07:20:36 PM
Sk My insured boat is 100% stock, just the way the factory made it. TT logs and engine cover.

That is why you do not need to worry.
Most companies have no problen when you have TT and the engine is covered.
Title: Re: boat insurance
Post by: challenger on February 24, 2010, 05:57:48 PM: just got off the phone with Progressive lets just say i have no insurance
thanks for the info skip
Title: Re: boat insurance
Post by: Luckie Stiff on February 24, 2010, 06:41:55 PM: Happy to help boys, I have no beef with Progressive, or any other insurance company, but I'd really hate to hear that somebody who thought they had coverage gets hosed when they actually try and use it.
I'm supposed to get a phone call tomorrow from a company that will insure open engine, O/T header, higher HP boats. I'll keep y'all posted.
Title: Re: boat insurance
Post by: farmergord on February 24, 2010, 07:06:58 PM: just so I have this straight, is this for liability or for damage to the boat?
Title: Re: boat insurance
Post by: Luckie Stiff on February 24, 2010, 07:11:45 PM: Quote from: farmergord on February 24, 2010, 07:06:58 PM
just so I have this straight, is this for liability or for damage to the boat?

Both.
Title: Re: boat insurance
Post by: GlassCutter on February 24, 2010, 09:43:04 PM: It is my understanding that if your boat causes damage to a vehicle while it is being towed, it is the boat insurer that comes into play. Is that right? Frankly I worry about my boat getting damaged on the road much more than me damaging someone or thing on the water.
Title: Re: boat insurance
Post by: Luckie Stiff on February 24, 2010, 09:48:17 PM: I asked my agent about that John, on my auto policy my trailer is covered, if it damages something, they'll cover it. But they won't cover the cargo, in this case a boat. That's what boat insurance is for. Fukking insurance is a scam, and if there were less lawyers we wouldn't even need the shit. :mad:
Title: Re: boat insurance
Post by: GlassCutter on February 24, 2010, 09:55:05 PM: Well that makes sense . . . NOT!!!
Title: Re: boat insurance
Post by: farmergord on February 24, 2010, 10:17:00 PM: so if you only want liability then any insurer should write a policy if you will pay the premium?
Title: Re: boat insurance
Post by: IRRebel on February 26, 2010, 08:38:04 PM: No. I think not. from what I gathered on this, they will write it, yes, but will they PAY when the time comes or re-nig due to a clause the writer and underwriter didn"t know about (seems to me to be the O/T headers as the issue), probably not!

I'm in a quagmire on this, having read the thread, as I've insured my boats through State farm (Who carry my car insurance, homeowners insurance, and some life insurance). They, at first, didn't want to write Moo, or Pickle, later, until I said, well, OK, I'll take my business elsewhere. Then they did. They have pictures of BOTH boats, and I have a saved e-mail sending them those.

Now I'm really unsure if I'm covered or not! After my Beisemeyer experience, well, this is troubling at best!

Ray