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Let's be real here... policies and claims... the fear... OH MY!

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Old 09-30-2016, 12:33 PM
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Originally Posted by ShootinRopes35z View Post
Insurance companies do not sell paper with the intent of paying out - they will find any way to avoid paying.
and when you lie to them they just found that reason.
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Old 09-30-2016, 12:53 PM
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Stacy really did a great job getting us on board this year when we sold our Fastech and bought a Fountain. We have better coverage now, faster boat, AND we are paying the same amount. We also had a new trailer built and Stacy did a policy update, no worries if something happens we are covered.
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Old 10-01-2016, 07:24 AM
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I have spoken to Stacy several times over the past years and I can tell you that she is honest and will get you the right coverage to protect you. I have three policies with her (yes Rob, I'm a hoarder), and I sleep well knowing my sh!t is covered and protected correctly!
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Old 10-02-2016, 09:06 AM
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Originally Posted by thirdchildhood View Post
My insurer, Allstate, never asked how fast my boat is.
Get rid of All State as quick as you can. You probably don't have insurance as your boat is too fast or high powered for their terms. The agent lied on my application so they could sell me a policy. He had it stated I had 1 575 engine and 65mph top speed and i read my policy and found out I also had no coverage when towing. I questioned it and was told they have lots of guys with bass boats that go faster and got them covered. I explained to him it wasn't a bass boat and I needed it in writing. They wouldn't do it. Then I had paid for a year in full and they wouldn't refund my unused 4 months of the garbage policy because boat policies are non refundable.

Signed up with Stacy and ended up paying about $50 more a year for actual coverage that covered me. Thanks Stacy!
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Old 10-02-2016, 11:46 AM
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Originally Posted by 82predictor View Post
Get rid of All State as quick as you can. You probably don't have insurance as your boat is too fast or high powered for their terms. The agent lied on my application so they could sell me a policy. He had it stated I had 1 575 engine and 65mph top speed and i read my policy and found out I also had no coverage when towing. I questioned it and was told they have lots of guys with bass boats that go faster and got them covered. I explained to him it wasn't a bass boat and I needed it in writing. They wouldn't do it. Then I had paid for a year in full and they wouldn't refund my unused 4 months of the garbage policy because boat policies are non refundable.

Signed up with Stacy and ended up paying about $50 more a year for actual coverage that covered me. Thanks Stacy!
How could they not cover it while in tow? Even Progressive did that. I will study the policy. They asked for horsepower but not top speed.
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Old 10-02-2016, 02:05 PM
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How could they not cover it while in tow? Even Progressive did that. I will study the policy. They asked for horsepower but not top speed.
when in tow it becomes a part of the tow vehicle, the tow vehicles insurance is on the hook .
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Old 10-02-2016, 06:12 PM
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Progressive covered my boat on my boat insurance when I got rear ended in traffic years ago. They did try to pull all kinds of underhanded BS but they covered the damage to my boat.
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Old 10-04-2016, 11:32 AM
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The Canadian policies I write cover the boat in the water or while being towed for any damage to the boat. If you are at fault while towing the boat the boat insurance covers the boat and the tow vehicle policy covers it self and any damage you do to a any other .persons property.

The insurance companies are always looking for a way not to have to pay out so be honest and deal with a person that knows what you have and how to provide the proper coverage for you.
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Old 01-30-2017, 05:06 PM
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I cant get anyone to call me back or give me a quote but Boat US. Its large express cruiser. Does like 35. It was high but atleast they called.

Chris
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Old 01-30-2017, 05:31 PM
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I cant get anyone to call me back or give me a quote but Boat US. Its large express cruiser. Does like 35. It was high but atleast they called.

Chris
Chris, I have no messages from you. I ALWAYS return my calls, provided I get the message. I am not sure why, but I am happy to call you tomorrow morning to discuss what I can do to assist. I'm very sorry you haven't been able to reach me. Please email me direct [email protected]. I will get your info and get it rated up or we can set up a time to chat.

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*** Please note that any insurance advice given is based on current information at the time of the original post. Insurance rates, terms, policies, markets etc change often. We can not be held liable for outdated information that can be found in older posts on this forum.
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