33 active thunder need insurance
 

I'm 27 and live in ct looking for insurance on 2009 33 active thunder with 525s

Call Matt Rushing 580 465 4696 he can get you a quote.

Give Stacy a call at Wake Zone
Great rates, prompt service, usually beats everyones rates.

Stacy Shute

The NO LIMITS Insurance Agency

Wake Zone Marine Insurance 866-792-4149
For an online quote: www.wakezoneinsurance.com
[email protected]

World Wide Marine Bob Luellen 800-339-1235

David Barbee @ Elton Porter. They write my AT.
800-759-2628

I'll be happy to provide you with rates from all of the performance carriers for your AT. Look forward to hearing from you soon!

I should be able to get you covered with Markel. American Modern Insurance has great rates, but their minimum operator age is 30 years old. Please give me a call and I will be happy to get you quote.

Thanks!

I used progressive and got the best rates.

Thank you for all your help

Where do you do your boating?

Did I say prompt service???:):)

I boat mostly in the long island sound and ct river

You got Progressive to insure your AT? I was told they will not write over HP500's.

I have Progressive on my 525, but I only have a single. Maybe it's total HP??

progressve is prop shaft hp 500 per single 1000 combined no triples.....go to www.mhqfinancial.com and click on the progressive link it will give you a quote immediatly, if you want to call an agent ask for Shane

Did an agreed value and was about the same price as the powerquest, just make sure you use the prop shaft HP. Best price I found for sure.

I know they have the best price. They did write my PQ for a fraction of what I'm paying for this boat. But Bob Luellen tells me they WILL NOT write twin HP525's...period! HP5's is the biggest twins they will write. I'm going to shoot him an email about your situation (without any names) and see what he says.

I just spoke to him about this a month ago when I got my renewal. I was very unhappy about the fact it went up $475. He confirmed Progressive had still not changed their policy on this.

Macklin dont you have the 496 engine package ? My agent submitted mine based on prop shaft HP so I am right at the 1000 HP limit, give it a try pretty hard to beat there rates.

Macklin is correct, no Merc 525's.

As an agent for Progressive I can tell you that it is all mainly automated, meaning policies are bound through a site on the internet without company approval. If an agent puts 1000HP in the spot where it asks for HP, it will approve it. If they put 1050... the system will decline your boat. Progressive relys on the agents to do the correct thing and input the correct information.

I'm not saying that in the event of a claim that they would deny your claim based on misrepresentation, but I wouldn't willingly give them an "out" to use. If your claim is bad, then you're going to want your coverage and then the amount of money you saved won't be worth it at that point. Just my two cents from this perspective.

Progressive rates are sometimes good and sometimes bad, just like any carrier. American Modern will write an A/T for just under a $1.00 rate in MI. So, if you take your current insured value and multiply it by .095 then that would be your approximate rate with AMOD.

Just to clarify, on my policy submisson forms it does not ask engine model but just prop shaft H.P. so stating the fact of the 1000 HP is correct and not miss leading, so how would there be an out ? If i was to take the insured value at lets say $185,000 and multiply it by .095 you are saying the rate would be $17,575 ? or would it need to be .0095 for a rate of $1,757.50 for the pilocy.

I am also an agent for Progressive and have tried to qoute numerous 33' Active Thunders with twin 525HP's through them. The result is always the same......"Declined because total horsepower can not exceed 750 on this model". You might want to check with your agent to ensure that you are covered in the event of a loss. I put all of my Active Thunder customers with American Modern or Markel. If you have any other questions, please feel free to call me.

Thanks!

I am running the 37.

laszlo, you are living dangerously IMHO. If I were you I would ask your agent to get you something in writing confirming Progressive is OK with your boat/motor combination. I'm betting that won't happen.

OH, and if I had 496's in my boat, I wouldn't have started this conversation now would I? :rolleyes:

Sorry about that, but my post should have said both 33' and 37' Active Thunders. Progressive's maximum allowed HP for either one of these boats is 850. Again, I would highly recommend that you contact your agent just to make sure you are covered.

Thanks!

Sorry, mind is moving faster than the fingers...

Rate would be configured as.... (keep in mind this is estimated based on a dummy quote I pulled on a 40 year old male. I do not know your personal info)

$185,000 x .095= 17575/100= $1757.50

or like you said... .0095 :)

And to add to what was said here. Get Progressive or your agent to put that your particular make/model engines HP is ok ON PAPER. I highly doubt it happens because they just don't allow it.

Also, I think the point that Macklin, David and I are all saying is "cover your backside". Both David and I are Progressive agents and we are both telling you it isn't allowed, we wouldn't lie to you and are just trying to help you out. Just make sure they are fully aware of the exact engines you have in your boat because in my opinion, it's going to cause you a world of hurt if you have a major claim.

I attached a pdf doc showing the screen shots in the rating system. Your boat does not qualify for Progressive. Here is an example of what David is saying on the Progressive rating... No boats with "OVER 850HP on this model"

Take a look.

My mistake for some reason I thought you had the 496 motors. I went back and checked and mine is clearly stated as 1000 HP on my policy so not sure of the difference.

I will call my agent today as well to verify the policy.