Engine Swap, Tell Insurance Company?
 

I am in the middle of changing insurance companies. I have changed from the stock 330 to a Stroked 496. If I had to file a claim they could definitely tell the Edelbrock heads, intake, and IMCO exhaust are not stock.

I have the boat insured more than 6K than its worth stock. Also wondering about if someone got hurt in a wreck, or tubing?

Re: Engine Swap, Tell Insurance Company?
 

a long time back there was a post about a outerlimits (I think) called four of a kind. A picture was shown of it with its bow above water and stern on bottom. Story was it had 4-500hp motors and owner swapeed out for 4-1000 hp motors it had surface drives he was approahing pier to fast drive were down full reverse water over transom boat sank and insurance walked from a $250,000 claim

Re: Engine Swap, Tell Insurance Company?
 

Never Try To Fool The Insurance Company They Will Always Win :(

Re: Engine Swap, Tell Insurance Company?
 

I'd tell them that you re-powered from a 454 to a 496
They will ask HP and top speed, that's your call, anything over 450hp or 70mph may cause an issue depending on the size of your boat.

Re: Engine Swap, Tell Insurance Company?
 

Pachanga - 22. And yes it goes over 70MPH :D

Re: Engine Swap, Tell Insurance Company?
 

If you want them to honor any future claims then be straight with what you have. Cubic Inches are hard to hide, but top speed isn't. Claim 68 mph as I'm sure if you don't trim up completely you can make the boat "only" run 68 mph.

Re: Engine Swap, Tell Insurance Company?
 

If you have the need to turn in a claim for damage to your boat, and you BS your ins. carrier, chances are REAL good they will tell you to go pound salt. If someone gets injured due to the use of your boat or God forbid killed and you BS your ins. carrier, chances are EXTREEMLY good they will tell you to go pound salt. And you will be left holding the bag.

In regards to the size of a boat, CI and HP, most ins. carriers have the ability to get relatively close to the top speed of the boat.

It sux.....but that's just the way it is :(

Re: Engine Swap, Tell Insurance Company?
 

Tell them, I wouldn't think it would raise your premium much, if at all. I changed from a 350 to a 502 and no difference in premium. A buddy of mine rebuilt his 502 that had 750 hp to 1000 hp the insurance co. raised his premium $1000 more. I think when you really got up in the HP is when things start getting risky for insurance co.

Lets us know the outcome, just curious

Re: Engine Swap, Tell Insurance Company?
 

Did you use the original block? The serial #'s will be the same as the paper work and the HP will be difficult to to prove/detect. If you give the insurance company the dyno HP ratings then how does that compare to Mercs propshaft HP? The only thing that the insurance company can use is the fact that the engine has been rebuilt with performance mods and the top speed is now different. Tops speed is subjective due to props. I would check with one the the advertisers here that specializes in marine policies and get advise from them.

Re: Engine Swap, Tell Insurance Company?
 

I dont know if this questions was for me, but by buddy used the same block but added a Supercharger and some other mods.