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Thread: New Motor - Insurance yes/no?

  1. 11-20-2018, 10:40 PM #1
    kellerqx
    kellerqx is offline Slabmaster II
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    Default New Motor - Insurance yes/no?


    Well I had to replace my 2 stroke 40 hp Mercury at 22 years of service.
    I have never owned a new motor, so I dont know what the average person does, insure or no insure?
    I realize it under $10K, so I didnt sell the farm.
    I don't even know what coverage is available, boat, motor or both? Theft, damage while using/trailering, what ?
    Typically I like to self-insure, but maybe this is crazy on new outboards.


    Since its new and reliable, I would like to head out to some Alabama gems, get more outta exploring than catching fish. Any advice?


    Thanks in advance.
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  2. 11-21-2018, 06:29 AM #2
    Crappkid
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    Quote Originally Posted by kellerqx View Post
    Well I had to replace my 2 stroke 40 hp Mercury at 22 years of service.
    I have never owned a new motor, so I dont know what the average person does, insure or no insure?
    I realize it under $10K, so I didnt sell the farm.
    I don't even know what coverage is available, boat, motor or both? Theft, damage while using/trailering, what ?
    Typically I like to self-insure, but maybe this is crazy on new outboards.


    Since its new and reliable, I would like to head out to some Alabama gems, get more outta exploring than catching fish. Any advice?


    Thanks in advance.
    Insurance is cheap, wouldn’t think twice about getting some.


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  3. 11-21-2018, 06:36 AM #3
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    "G"
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    Full coverage....full replacement value. Covers everything.

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  4. 11-21-2018, 06:45 AM #4
    ccollins
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    Boat ins is cheap
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  5. 11-21-2018, 07:44 AM #5
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    FurFlyin
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    Quote Originally Posted by Crappkid View Post
    Insurance is cheap, wouldn’t think twice about getting some.


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    I completely agree. It's very, very cheap. Get a low deductible and let her rip.
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  6. 11-21-2018, 08:12 AM #6
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    tlefire
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    I agree. Insurance is cheap. Heck, even my tractors are insured.

    I dont drive my truck without insurance, and i wouldn't drive my boat without insurance. You never know when something might happen. Just ask Bama.
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  7. 11-21-2018, 05:00 PM #7
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    catchNgrease
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    It's a great piece of mind from a liability point also I just wonder if my underwriter knows I spend more time with my boat than my truck or my car combined. shhhh don't tell

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  8. 11-21-2018, 05:38 PM #8
    Redge
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    Quote Originally Posted by "G" View Post
    Full coverage....full replacement value. Covers everything.

    Sent from my SAMSUNG-SM-G891A using Crappie.com Fishing mobile app
    X2!


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  9. 11-21-2018, 07:54 PM #9
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    lowe175
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    A lower unit will run around $2000. It will take a lot of insurance payments to make that.

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