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Borrowed boat covered?
#13586801
06/08/20 02:38 AM
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Joined: Dec 2003
Posts: 370
samh
OP
Angler
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OP
Angler
Joined: Dec 2003
Posts: 370 |
Does anyone know if my boat insurance will cover another boat that I am operating? If not can I take a policy out on a boat I do not own?
Last edited by samh; 06/08/20 01:06 PM. Reason: To wordy
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Re: Borrowed boat covered?
[Re: samh]
#13587221
06/08/20 03:16 PM
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Joined: May 2020
Posts: 2
rlb28
Green Horn
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Green Horn
Joined: May 2020
Posts: 2 |
If the boat you are operating has insurance, then it's primary.
Your liability follows you. Physical damage wouldn't.
There are so many aspects - how often do you borrow the boat?
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Re: Borrowed boat covered?
[Re: samh]
#13587258
06/08/20 03:51 PM
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Joined: Feb 2015
Posts: 4,724
Flippin-Out
TFF Team Angler
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TFF Team Angler
Joined: Feb 2015
Posts: 4,724 |
Why not get the owner to add you to their policy as a operator? (assuming said owner has the boat insured). It may not increase their insurance cost, but you could offer to pay some portion of the policy regardless, and you both win, as one operator updated policy would likely be the least expensive, and also a win for the relationship with someone who allows you to use their boat.
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Re: Borrowed boat covered?
[Re: samh]
#13589712
06/10/20 02:12 PM
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Joined: Dec 2003
Posts: 370
samh
OP
Angler
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OP
Angler
Joined: Dec 2003
Posts: 370 |
Thank you for the replies, the boat is currently insured and my boat is insured as well. I am required to have $100K liability insurance to participate in a championship this weekend. My boat is in the shop for some work on the motor. My friends boat is insured by his employer. (He owns it) So far only word from my insurance is no short term policy for non commercial. Still waiting to see if my policy will cover another boat I am using. I have two boats, I am sure there is a hungry agent out there....
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Re: Borrowed boat covered?
[Re: Flippin-Out]
#13601172
06/19/20 07:24 PM
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Joined: Jun 2016
Posts: 6,854
V-Bottom
TFF Celebrity
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TFF Celebrity
Joined: Jun 2016
Posts: 6,854 |
Why not get the owner to add you to their policy as a operator? (assuming said owner has the boat insured). It may not increase their insurance cost, but you could offer to pay some portion of the policy regardless, and you both win, as one operator updated policy would likely be the least expensive, and also a win for the relationship with someone who allows you to use their boat. Progressive said if I added my SIL as an operator, IT WOULD jack up my premium, maybe $30 more per month. The additional amount also depends on how old this other party is, how much boating experience this person has, and if this person has gone thru a Boaters Safety Course.
Last edited by V-Bottom; 06/19/20 07:31 PM.
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