PSG-1
Well-known member
Every time I drag my jetboat down the highway, my rear end is gnawing the truck seat, especially when someone starts tailgating. I'm very worried one of these pickle brain mental midgets driving on the demolition derby known as SC highways is going to total my boat, and I'm going to have a psychotic break when that happens. I'm a careful driver, but everyone else around me is an idiot, and I know it's just a matter of time before something bad happens.
Had a real close call yesterday coming back from the Santee, when some idiot 2 cars ahead of me slammed on brakes, nearly caused me to rear-end the car in front of me, (then the idiot almost caused a pileup in the opposite lane while making a U-turn.....man, I wish I had a blue light, badge and ticket book, I would have wrote that SOB up for reckless driving....probably taken him to jail, even) I was less worried about hitting the vehicle in front of me, but more worried about someone plowing into my boat.....because I don't think the boat is covered.
And even if my vehicle insurance DOES cover the boat while it's hooked to my truck....let's face it, how much is the insurance company going to give me for a 1997 DuraCraft....regardless of the fact that I've put over $10K into it? I'd be lucky to get the scrap price of the hull.
So, my question is....how do you insure a boat that is not a factory built boat, but one that has been heavily modified? Would an insurance company even cover it? I know the first thing they're going to do is look at the HP rating of a 1997 DuraCraft 1648SV and see that it's rated for a 50HP....and I have a 160HP MR-1 jetboat motor in there....that's probably an automatic disqualifier, because the engine exceeds the HP rating. But I don't need insurance to cover it while it's on the water....I know how to run a boat, I'm not going to do anything to hazard my vessel, my passengers, or myself. But on the road is a totally different story.
If I could just insure it for about $10K.....then at least if some jackass plows into the back of it and totals it, I would have enough to cover the cost of having to buy a new hull, new pump, and then all the labor to modify the hull and install the engine.
Any advice would be greatly appreciated!
Had a real close call yesterday coming back from the Santee, when some idiot 2 cars ahead of me slammed on brakes, nearly caused me to rear-end the car in front of me, (then the idiot almost caused a pileup in the opposite lane while making a U-turn.....man, I wish I had a blue light, badge and ticket book, I would have wrote that SOB up for reckless driving....probably taken him to jail, even) I was less worried about hitting the vehicle in front of me, but more worried about someone plowing into my boat.....because I don't think the boat is covered.
And even if my vehicle insurance DOES cover the boat while it's hooked to my truck....let's face it, how much is the insurance company going to give me for a 1997 DuraCraft....regardless of the fact that I've put over $10K into it? I'd be lucky to get the scrap price of the hull.
So, my question is....how do you insure a boat that is not a factory built boat, but one that has been heavily modified? Would an insurance company even cover it? I know the first thing they're going to do is look at the HP rating of a 1997 DuraCraft 1648SV and see that it's rated for a 50HP....and I have a 160HP MR-1 jetboat motor in there....that's probably an automatic disqualifier, because the engine exceeds the HP rating. But I don't need insurance to cover it while it's on the water....I know how to run a boat, I'm not going to do anything to hazard my vessel, my passengers, or myself. But on the road is a totally different story.
If I could just insure it for about $10K.....then at least if some jackass plows into the back of it and totals it, I would have enough to cover the cost of having to buy a new hull, new pump, and then all the labor to modify the hull and install the engine.
Any advice would be greatly appreciated!