Q: Why can’t I get a quote online even though I entered all the information?
A:We do our best to provide you with an immediate quote but it isn't always possible. The most common reasons you may not have gotten an immediate quote are:
* We need to see a survey of your boat if it is over 36' or if it is an older boat.
* We may need to review your loss or driving history.
* Horsepower may be out of range (did you enter the cubic inches instead of the horsepower?).
If you were unable to receive an immediate quote, one of our underwriters will review all of your information and contact you shortly to provide a quote. We respect your time and don’t want to waste it so please be a little patient with us and we promise to get back to you within a couple of business hours to clear up any questions and give you the quote. In those rare cases where we aren't able to offer you a policy, we will let you know that quickly too.
Q: What if my model isn't listed on your quote screen?
A:You can use a comparable model to complete the quote. It will not affect the rate. When you activate your coverage we will ask for your Hull ID Number which identifies your boat so that there is no confusion as to which craft is insured. If you have trouble finding a comparable model, please call or e-mail us and we will help you select an appropriate model.
Q:Why do you need my phone number?
A:This will be your quote reference number, so it will be easy for you to remember if you need to call us about something. We do not call to solicit you or give your number to anyone else.
Q:Do you accept credit cards online?
A:Yes. You can pay for a new policy premium of up to $1,000. You can also call us or use our secure Live Chat feature to pay for your renewal with a credit card.
Q:Can I pay my insurance in installments - monthly or quarterly?
A:No. The annual premium is due in one lump sum.
Q:Can I pay my premium online after my policy has passed its cancellation date?
A:No, you will need to contact us by phone to request reinstatement after your cancellation date has passed.
Q:Can I view my policy online?
A:No, but we're planning to allow you to do it soon. In the meantime just contact us via e-mail, phone or chat online and we'll quickly take care of anything you need.
Q:Do you offer a six month or shorter term policy?
A:No. All of our policies are annual. However, we give a discount for winter lay-up when your boat or PWC is not used. Your craft is still fully covered for fire, theft, and any other covered risks that may occur while it is laid up. Any lienholder will require that you obtain year-round coverage.
Q:Can I insure a boat if another person's name is on the Title?
A:No. The policy must be in the name(s) of the Titleholder(s)—not a friend or a relative. If it is not, the legal owner of the boat has no insurance on the vessel. The name(s) on the policy must match the name(s) on the Title.
Q:Why don’t you send insurance ID cards?
A:Insurance ID cards are not provided because most states (except for Arkansas and Utah) do not require insurance on boats. If you want to keep a record of your policy number and our phone number you can use the popular sticker that we send to you.
Q:Is my boat covered by my car insurance when it is attached to my car?
A:No. Any physical loss to your boat while it is on the trailer is covered by your boat policy.
Q:What do I need to bring to DMV to register my trailer?
A:If your state requires you to register your trailer you will need an ID card from your automobile insurance policy. We cover your trailer for physical damage, but the liability while trailering is extended from your auto policy.
Q:If I let someone else drive my boat are they covered under my policy?
A:Yes. Unless there is a Named Driver Warranty (which limits coverage to the drivers specifically identified), others can operate your boat as long as it is not for commercial use.
Q:Is my boat still covered during the lay-up period?
A:Yes, it is covered, but it must be out of commission (a PWC must be ashore) and cannot be operated.
Q:What if I want to use my boat during the lay-up period?
A:After review, we may endorse your policy for temporary use during your layup period, but you would not be covered unless you first call (or e-mail) us to request coverage for that use and receive confirmation that we have endorsed the policy accordingly. You can also remove the lay-up period at any time and be covered for year round use.
Q:If my boat is stolen during the lay-up period, is it covered?
A:Yes. (Subject to the terms of your policy).
Q:What is your AM Best rating?
A:The company is rated A, Class XV (highest).
Q:If my boat falls off the trailer while I am trailering it, is it covered?
Q:Do I have to be a member of any organization or club?
Q:Do you offer water sports liability?
A: Yes, it is automatically included in all of our policies.
Q:If I have damage to my boat, how long does it take before I hear from you?
A:An adjuster will be assigned the same day your claim is reported and you will be contacted immediately thereafter.
Q:If I have a claim and my boat is damaged, where do I have to take my boat?
A:To the repair facility of your choice.
Q:How long does it take to receive a refund if I cancel my policy mid-term?
A:You will receive your refund within 30 days of cancellation request. If you paid by credit card, the refund will be credited back to that account, otherwise we will send you a check.
Q:If I pay with a credit card or electronic check, when does the charge go through?
A:The next business morning.
Q:I paid through my online banking and it shows the payment went through. Why do you show that I still have a balance due?
A:Your online banking sends us a physical check by regular mail, but they withdraw the money from your account immediately which is reflected on your statement even though we have not received it. It usually takes about a week from the time you make the online payment to the time we get and process your check. For faster payment, you can pay your bill online by electronic check. Just click "make a payment" and follow the prompts. The money will be credited to your account immediately.
Q:I forgot to pay my premium so my policy lapsed and my lienholder has force placed insurance on my boat that is a lot more expensive. Can I get my policy reinstated?
A:Please contact our underwriting department to review your particular case