We try to give you with an immediate quote, but it isn’t always possible. The usual reasons are:
If you did not get a quote, our underwriters are reviewing your application and will contact you soon.
You can use a comparable model to complete the quote and tell us your actual mod-el in the notes section. An underwriter will review the application to make sure it works. Upon activation, the correct model will be reflected on the policy.
Yes. You can pay up to $1,000 with a credit card. You can also pay over the phone or use our secure chat to make a credit card or e-check payment.
No. Our policies are annual. However, we give a substantial discount for winter lay-up when your boat or PWC is not in use. Your craft is still fully covered for fire, theft, and any other covered risks that may occur while it is laid up. Lienholders require year-round coverage.
No. The policy must be in the name(s) of the Titleholder — not a friend or a relative. If you are not the legal owner you do not have an insurable interest in the craft.
If you are on EZPay you can pay 25% down and the balance in 30 days. Otherwise, it is an annual premium.
Yes, but you will need to download and submit the No Known Loss Letter [link here] or call us to set it up.
Within 30 days. [Note: If you paid by credit card, the refund goes back to that account]
The next business day.
There is a gap between the time your bank charges your account and the time we get the check they send us. Paying with an e-check will post much faster.
Directly online, through your agent or by calling us. You will get immediate acknowl-edgement and instructions, and an adjuster will be assigned to help you get all the benefits of your policy. We move quickly.
To any repair facility you want.
Yes. Often, the greatest risk is your potential liability and cost of defending a claim for damage or injury to someone else.
Agreed value is the specific amount that you insured your boat for. It’s like a life in-surance policy on your boat. Actual cash value is determined by its current market value, taking depreciation into account.
More is better, but it is your decision on how much you want to buy. More liability also costs more.
Yes. It is automatically included in your policy.
You can go fishing anywhere within the navigational limits of your policy. You can’t go to another country without our prior approval.
Homeowner’s policies generally cover the liability for any craft under 26’ and under 50hp.
Our basic package gives you liability, medical payments, and physical damage to your boat itself. You can also get towing and roadside assistance, and you can select the limits and deductibles that suit your needs.
Yes. Unless there is a specific restriction. Commercial use is never covered.
You can get discounts for a boating safety course, clean driving record, restricted navigation territory, multi-craft, winter layup, experience, and many more that you may be eligible for.
An ID card from your auto insurance policy. The liability while your trailer is being towed by your car is covered by your car insurance policy. We cover the trailer itself if it is damaged.
Yes. It has to be out of commission and not in use or ready for use. You can remove the layup or contact us to request an exception for temporary use.
Yes. (Subject to the terms and conditions in your policy)
The carrier, AXIS Insurance Company, is rated A+, Class XV (highest) by A.M. Best (AMB # 013034).
Over 500,000 boaters and nearly 50 years in business.