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Insurance not required.

  1. #1
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    Default Insurance not required.

    Am running into issues getting my boat insured, due to the horsepower to length ratio being to high according to the company. So i called water patrol and they informed me that insurance isn't required by law. I didn't realize that this was true. Still prefer to be covered of course.

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    "I'm just SPRAYIN' man!!" '78 Crusader's Avatar
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    Are you running OT headers? Typically insurers are hesitant to insure OT header equipped boats......
    Cliff
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    "BEER BUDGET RACING" Bodean's Hammer's Avatar
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    Quote Originally Posted by jrdunbar View Post
    Am running into issues getting my boat insured, due to the horsepower to length ratio being to high according to the company. So i called water patrol and they informed me that insurance isn't required by law. I didn't realize that this was true. Still prefer to be covered of course.
    when i sold my Baja and bought this Nordic I called my agent, he said sure, bring it down and we'll take a look at it and write it up. I pulled into the parking lot and he said, I must be out of my mind. LOL

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    Senior Member SoldHondaBoughtHondo's Avatar
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    Quote Originally Posted by jrdunbar View Post
    Am running into issues getting my boat insured, due to the horsepower to length ratio being to high according to the company. So i called water patrol and they informed me that insurance isn't required by law. I didn't realize that this was true. Still prefer to be covered of course.
    For liability insurance?
    The insurance companies have not invested any money lobbying
    for mandatory boat insurance because their is no profit in it....yet....

    Can you imagine imagine the legal fight they would have on their hands if suddenly everybody who had a boat had to drop $200 every year on anything that floated just to register it? And then all the add ons for that their horsepower per foot deal...and maybe some boats like hydro's or flats are deemed to dangerous even to insure.....So nobody could even run them.
    "A liberal paradise would be a place where everybody has
    guaranteed employment, free comprehensive healthcare, free
    education, free food, free housing, free clothing, free
    utilities, and only law enforcement has guns. And believe it or
    not, such a place does, indeed, exist: It's called prison."

    Sheriff Joe Arpaio
    Maricopa County Sheriff's Office

  7. #5
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    Quote Originally Posted by '78 Crusader View Post
    Are you running OT headers? Typically insurers are hesitant to insure OT header equipped boats......
    Not exactly sure what OT headers are, ( sorry I'm new) But the issue they gave was a Horsepower to FT ratio.



    Quote Originally Posted by Sold honda.bought hondo View Post
    For liability insurance?
    Yes it was only for liability insurance. I was just more concerned about being legal all around than anything. Just caught me off guard, because I've always been asked for registration and proof of insurance.

  8. #6
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    getting liability on ANY boat with an uncovered engine is near to impossible unless you deal with specialized boat insurance companies.

    insurance isnt required by law, but its a good thing to have. lets face it people fall into the water, etc. if you hit someone elses boat on accident, hit a dock, etc costs can add up quickly. insuracne itself isnt very expensive, its just hard to get.
    Last edited by ka0tyk; 08-01-2011 at 04:28 PM.

  9. #7
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    Well I got the bill today so the insurance went through. They listed it as a runabout, with 300 horsepower and a top speed of 50MPH. the hp was what she pulled off google for the engine and just put the speed in.

  10. #8
    LP-25.com Infomaniac's Avatar
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    Borrow some $$ on it. They will require insurance. When you don"t produce it, they will buy it for you. No inspection etc.
    If For Some Reason I Do Something Worthy Of Recognition. God Provided The Ability And Deserves The Credit.


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