I damaged a SSM 3A due to water-contaminated drive oil after fouling the prop shaft with fishing line. Progressive not only denied the claim but sent me a notice of non-renewal because I had filed a claim with them. Did I mention that THEY DID NOT PAY THE CLAIM???? The adjustor that was sent to inspect the drive first tried to say that the boat had been outfitted with the Speedmasters after the insurance policy was written. When I challenged that statement by bringing to their attention that the survey (which they had required to write the policy) stated that the boat was equipped with SSM3A drives the adjustor then said that he had never seen a Speedmaster drive before but it was his professional opinion that the water intrusion probably was not caused by the fishing line damaging the prop seals. Even after I presented receipts proving I had had the outdrives pressure-checked as part of the survey they still refused to pay the claim.
I took the drive to Mel Riggs and paid $8000 out of my pocket to have it rebuilt.
Did I mention that THEY WOULD NOT RENEW MY POLICY BASED ON A CLAIM I SUBMITTED WHICH THEY DENIED?
Progressive can kiss my ass and people shopping for boat insurance should be aware of the tactics they will resort to.