I just got 3 new policy's this season. I called marine experts, the guy I had was Dennis Anderson. He was amazing to work with. The policy for my seadoo I called him with a quote he gave me a while ago. I called him at 4:55pm on wed evening, he set everything up, emailed me my copy of the policy already bound at 5:05, and told me I could use it that night, and to just call him with a cc number in the morning to pay. He was really good. His number is 1-866-862-BOAT. He also insures my boat.