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Progressive Boat Insurance - Good / Bad

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Progressive Boat Insurance - Good / Bad

Old 03-05-2008, 02:28 PM
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Default RE: Progressive Boat Insurance - Good / Bad

lazydawg - 3/5/2008 1:23 PM

Had a claim thru progressive and found the adjuster always available and willing to pay additional claim for damage not found till got boat back.
Thats the good. The bad was the repair facility they took the boat to took from Oct 06 thru Mar 07 to do repairs. NONE were structural. I went with whom they said, my mistake!
Secondly they did not raise my premium the next year, until I changed the location of the boat, they then tripled the rate.
The other thing you should know is, if you're honest and tell another company you're attempting to get a quote from that you had a claim in the last three years, they turn you down!!!!
LD
Companies now days use clue reports which track customers claims by name and SS#. Which a new company will check. Not being up front about prior losses might slide by but it could come back to bite you if something happens.
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Old 03-05-2008, 03:00 PM
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Default RE: Progressive Boat Insurance - Good / Bad

I have all of my insurance through USAA and have been very happy. Last year, USAA stopped writing boat policies, they referred me to Progressive. The rates are ok. I think I'm paying $550 for my 2006 Century 2202 Replacement Coverage.
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Old 03-05-2008, 03:59 PM
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Default Re: Progressive Boat Insurance - Good / Bad

I once worked for them . Terrible policys. They will try to shortcut repairs as much as possible....
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Old 03-05-2008, 04:10 PM
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Default RE: Progressive Boat Insurance - Good / Bad

Captain A-Dad - 3/5/2008 3:00 PM

I have all of my insurance through USAA and have been very happy. Last year, USAA stopped writing boat policies, they referred me to Progressive. The rates are ok. I think I'm paying $550 for my 2006 Century 2202 Replacement Coverage.
I also had USAA for my old boat but the wouldn't write the new one. I still have them for pretty much everything else. Great company.
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Old 03-05-2008, 05:48 PM
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Default Re: Progressive Boat Insurance - Good / Bad

I have had Progressive since 2003 on my ProKat in Alabama. I had one claim, and they were great. The adjuster came to check the boat on my lift, and they were fair and fast with payment. My rates did not increase. We have only had one claim (hail damage) on our cars in 40 years of insurance with State Farm, and it was pure hell. We shopped around when we bought the boat, and Progressive had the best coverage and rates.
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Old 03-05-2008, 07:32 PM
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Default Re: Progressive Boat Insurance - Good / Bad

It's all about who you get as a claims adjuster, no matter which company you deal with. My brother took a beating from Progressive on a claim for lightning damage. Some of the things they wanted him to do were unbelievable, including they insisted he take his 12' beam 16000 pound flybridge sportfishing boat to a landlocked boat repair shop for an inspection. They couldn't understand why he couldn't just load it on a trailer. Also they insisted on a survey then wouldn't believe what the surveyor told them. He settled for much less than he should of just to end the ordeal. I don't think the company is evil but the adjuster sure didn't understand boats.
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Old 03-06-2008, 04:49 PM
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Default Re: Progressive Boat Insurance - Good / Bad

I switched companies to Progressive and saved several hundred dollars. In my second year I sucked up some river debris into my fresh water pump and fried it and the serpentine drive belt. I didn't know that my policy covered that and so had it repaired at my expense the same week. One week later a friend told me it most likely was covered and sure enough it was, but Progressive denied the claim (despite receipts for the repair) citing I didn't notify them in time and they didn't like the company who did the repair. Looks like that several hundred dollars was no savings.

Neverhome
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Old 03-07-2008, 07:39 AM
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Default Re: Progressive Boat Insurance - Good / Bad

Neverhome - 3/6/2008 4:49 PM

I switched companies to Progressive and saved several hundred dollars. In my second year I sucked up some river debris into my fresh water pump and fried it and the serpentine drive belt. I didn't know that my policy covered that and so had it repaired at my expense the same week. One week later a friend told me it most likely was covered and sure enough it was, but Progressive denied the claim (despite receipts for the repair) citing I didn't notify them in time and they didn't like the company who did the repair. Looks like that several hundred dollars was no savings.

Neverhome
This post should drive everyone to refresh their understanding of what your responsibilities are in case of a claim's situation. Every policy has a section at the beginning regarding "your responsibilities." Those responsibilities are timely reporting of a claims situation and, I believe in the case of Progressive and several other companies, "right to inspect."

It also has a section regarding the company's responsibilities in case of incident.
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Old 03-12-2008, 05:27 AM
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Default RE: Progressive Boat Insurance - Good / Bad

jko2004@knology.net - 3/5/2008 10:09 AM

Progressive boat insurance is very good. I sell it and have serviced it. They handle claims quickly and reasonably. They are difficult to beat on price as well.

Statefarm was not even in the running for me. Allstate is trying to be competitive though, you might try them, or USAA if you have access.
I have mine with USAA, but Progressive underwrites USAA's boat policies...in fact my check goes to progressive each month. I have not had any claims (thankfully) so I can't speak for their claim service, but I will say that it's been my experience that if USAA endorses it or says that it's good, it is. USAA is 110% all about customer service.
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Old 03-14-2008, 10:55 AM
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Default Re: Progressive Boat Insurance - Good / Bad

I used BoatUS for my hull insurance until the Florida hurricanes. BoatUS then wanted $8400/year for my Shamrock trailer boat in Key Largo. Progressive was $1100 for the same coverage. I've never had a claim with either.
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Old 03-14-2008, 10:57 AM
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Default Re: Progressive Boat Insurance - Good / Bad

For rigs under 40ft Safeco is hard to beat.
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Old 03-14-2008, 04:37 PM
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Default Re: Progressive Boat Insurance - Good / Bad

Thanks for the posts. I've just purchased a new boat and called this week for State Farm's rates, who also has my auto, home and life insurance. The first Rep I spoke with told me the insurance price would not go down significantly with boat devaluation. When I called them to back with the serial numbers, a different person quoted me over $900 (for saltwater coverage, fresh water is ~$600) and told me that devaluation makes a big difference to the rate. No boat claims in 19 years of power boating. Time to make some more phone calls. Thanks again!
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Old 03-14-2008, 04:46 PM
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Default Re: Progressive Boat Insurance - Good / Bad

Neverhome - 3/6/2008 4:49 PM

I switched companies to Progressive and saved several hundred dollars. In my second year I sucked up some river debris into my fresh water pump and fried it and the serpentine drive belt. I didn't know that my policy covered that and so had it repaired at my expense the same week. One week later a friend told me it most likely was covered and sure enough it was, but Progressive denied the claim (despite receipts for the repair) citing I didn't notify them in time and they didn't like the company who did the repair. Looks like that several hundred dollars was no savings.

Neverhome
No offense, but that was 100% YOUR FAULT, not Progressives so don't blame them.

I have Progressive. I hit a log in the water last year, did some gel coat damage. They were really great to deal with and did not raise my rates.

The first shop they recommended didn't get started when they said they would. I called my rep and THEY PAID to have it moved to a different shop. They paid the pick up and delivery fee.

Work was good, experience sold me on Progressive. I plan on staying with them.
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Old 03-14-2008, 09:51 PM
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Default Re: Progressive Boat Insurance - Good / Bad

I don't argue that I should have read the policy and made the report faster than I did. That technically disqualified me, but I don't think a two week window was an unreasonable amount of time. However, I was not a first year policy holder and I did have receipts to prove the damage. The claims adjuster asked if I had the spare parts and of course I didn't have the pump, but I did have the serpentine belt with the flat spot which would have shown that damage did occur when the pump froze.
What irritated me was that the adjuster told me they had trouble getting information from the repair shop in the past but when I asked the mechanic about that issue he told me they did have a falling out the previous year with Progressive,
but no one from Progressive had even bothered to call on my claim. Their attitude in my opinion was less than customer friendly
and they showed no sincere effort in working with me. My fault for not reading the policy carefully is a given. But because of
how the situation was handled, I will not be doing business with them in the future and certainly will give my op ion of them when asked.

Neverhome
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Old 03-15-2008, 04:06 PM
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Default Re: Progressive Boat Insurance - Good / Bad

Friday State Farm quoted $919, Progressive quoted $548 over the phone. It was interesting to hear how much personal information these people have access to. He knew that I had a 200 HP Yami without even asking. Many buyers are getting this boat with the 225 or the 250. The premise for both quotes was $100K liability coverage.

Progressive included 100% replacement for 5 years and automatic depreciation (and lower premiums) thereafter. Progressive also sent me an email with the details. This includes bodily injury & property of $100K person, $300K accident, and $100K property. Progressive also included Uninsured coverage of $100K person and $300K property with medical coverage of $5K.

Today I get a letter from State Farm with two completely different quotes than the one I got on the phone Friday. Each quote included similar coverage with $45K property, $100K personal property watercraft liability and Medical payments of only $1K. But this quote is now for $506 ($1K deductable) and $559 ($500 deductible). So what happened to State Farm between Friday and Saturday? Also, while State Farm's prices are more inline, their coverage is half on property and does not include an accident number ($300K with Progressive). It also has significantly lower medical coverage ($5K vs $1K).

How important is accident coverage? What's considered standard?

thanks,
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Old 03-15-2008, 05:43 PM
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Default RE: Progressive Boat Insurance - Good / Bad

fishnutz - 3/12/2008 5:27 AM

jko2004@knology.net - 3/5/2008 10:09 AM

Progressive boat insurance is very good. I sell it and have serviced it. They handle claims quickly and reasonably. They are difficult to beat on price as well.

Statefarm was not even in the running for me. Allstate is trying to be competitive though, you might try them, or USAA if you have access.

I have mine with USAA, but Progressive underwrites USAA's boat policies...in fact my check goes to progressive each month. I have not had any claims (thankfully) so I can't speak for their claim service, but I will say that it's been my experience that if USAA endorses it or says that it's good, it is. USAA is 110% all about customer service.

I second that. You usually can't beat USAA or what they endorse.
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Old 03-15-2008, 06:10 PM
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Default Re: Progressive Boat Insurance - Good / Bad

I have been using Progressive for 6 years. One claim: lower unit damaged when I hit some hurricane debris between the counter rotating Bravo 3 props--paid well and rapidly. When I purchased a new boat 2 years ago, they would not transfer the policy and I had to settle for insuring the boat for less than it cost due to policy limits. If they have increased the limits that is good news.
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Old 03-15-2008, 06:29 PM
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Default Re: Progressive Boat Insurance - Good / Bad

Little off topic but related... I was making a change to my Progressive auto policy and the CS rep asked me if I am taking advantage of the education discount. He asked how many years I attended school and then issued me a refund pro rated and then discounted my policy for the current period. Not bad. Helps pay for some gas.
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Old 03-15-2008, 07:16 PM
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Default RE: Progressive Boat Insurance - Good / Bad

jko2004@knology.net - 3/5/2008 10:09 AM

Allstate is trying to be competitive though, you might try them, or USAA if you have access.
USAA uses Progressive for their clients with boats. If you ask me that says a lot about Progressive. USAA set me up with the Progressive Drive program.

No complaints so far but still no claims.
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Old 03-22-2008, 09:26 AM
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Default Re: Progressive Boat Insurance - Good / Bad

Progressive is great if your boat is under 14' or so (a garage boat) and under $3k valuation.

I don't make that statement as a result of a bad experience-I insure boats for a living, and it's my responsibility to know how the insured is covered.

Progressive, in short, is a market of last resort.
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