Insurance in 2026
#1
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Joined: Dec 2025
Posts: 11
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From: SF Bay Area California
I noticed its getting harder and harder to get insurance for boats in general these past few years. My boat a 1990 Cigarette Cafe Racer. Only tops out at around 70 MPH. NA 454s. You guys have any advise, input, companies? Boat is currently insured thru AHOY boat insurance, They are dropping the boat policy in a month or two, due to its age. They charged me around $1400ish for this last year. Which was a middle of a road policy with them. Anyone else have any experience with these older boats with insurance?
#4
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Joined: Jun 2007
Posts: 233
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From: Nearest Poker Run
It has been the longstanding requirement of Ins. Cos. to require a recent survey submitted and approved by underwriting on any vessel over 10 years old. Additionally, most Ins. Cos. require the surveyor be accredited with either NAMS or SAMS.
[Disclaimer - Wozencraft confirms there are many competent marine surveyors not accredited with either NAMS or SAMS.]
Devin Wozencraft
714-263-2626
https://wozencraftinsurance.com/get-a-quote/
#5
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Joined: Dec 2013
Posts: 1,012
Likes: 451
From: Bourbonnais, IL
I getting harder and harder to get insurance for boats in general these past few years. My boat a 1990 Cigarette Cafe Racer. Only tops out at around 70 MPH. NA 454s. You guys have any advise, input, companies? Boat is currently insured thru AHOY boat insurance, They are dropping the boat policy in a month or two, due to its age. They charged me around $1400ish for this last year. Which was a middle of a road policy with them. Anyone else have any experience with these older boats with insurance?
#6
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Joined: Oct 2000
Posts: 1,495
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From: Lake Ozark, MO USA
Very minimum you better have a LARGE liability policy. When you think that a simple tritoon on the water can be $60-150,000 and most multi engine center consoles are in the multiple $100's of thousands upwards to a $1M+. That is being foolish and can literally break the bank if you mess up and cause an accident. Just my .02.




