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Recreational insuance for triple outboard boat...

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Recreational insuance for triple outboard boat...

Old 02-11-2019, 08:35 AM
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Default Recreational insuance for triple outboard boat...

Suggestions? Looking at a 2006 35 footer with trip 300s. I know progressive won't write this boat for more than 700hp. They quoted me about $4,200 / year for twin 350s.

Who are folks going with these days for such a rig?
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Old 02-11-2019, 08:40 AM
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Charter Lakes. 38 with triples for less than half that.
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Old 02-11-2019, 08:40 AM
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Where are you located? If you’re in the panhandle, contact Total Dollar, Michelle there is just awesome and have insured me, and a few of my friends, for way better of a deal than anyone else could even get close to.
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Old 02-11-2019, 10:35 AM
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Originally Posted by Panhandler80 View Post
Suggestions? Looking at a 2006 35 footer with trip 300s. I know progressive won't write this boat for more than 700hp. They quoted me about $4,200 / year for twin 350s.

Who are folks going with these days for such a rig?
call around and get quotes (or fill out applications online)

try charter lakes group

progressive is not a real marine insurance company, they are auto and dabble in marine

any real marine company will likely not have an issue covering a high HP boat
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Old 02-11-2019, 11:19 AM
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Originally Posted by Panhandler80 View Post
Suggestions? Looking at a 2006 35 footer with trip 300s. I know progressive won't write this boat for more than 700hp. They quoted me about $4,200 / year for twin 350s.

Who are folks going with these days for such a rig?
Interesting - that boat came with a pair of 250s?

Pretty extensive conversion over to the 3x300s?
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Old 02-11-2019, 11:52 AM
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Originally Posted by MattGoose View Post
Interesting - that boat came with a pair of 250s?

Pretty extensive conversion over to the 3x300s?
??? Boat I'm looking at it has trips on it.

While on this topic, though... how extensive is conversion from trips to twins? Seems like that would be a slightly easier job.
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Old 02-11-2019, 12:15 PM
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Originally Posted by Perf40 View Post
Charter Lakes. 38 with triples for less than half that.
Charter lakes is the best option, and if you have a 6 pack license they are eve less.
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Old 02-11-2019, 12:22 PM
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Originally Posted by Panhandler80 View Post
??? Boat I'm looking at it has trips on it.

While on this topic, though... how extensive is conversion from trips to twins? Seems like that would be a slightly easier job.
Well, it's an '06 boat, and Yamaha didn't release 300's until the 2007 boat show. I didn't get into release dates on 300s from Mercury, Suzuki, etc as I think Yamaha usually leads the pack. I could be entirely wrong.

Add to that the fact that charter is maxing HP out at 700, I assumed that's on the manufacturers tag, which rules out trip 250s.

Based on those two facts, I'm assuming that it came rigged with a pair of 250s.

Those 250's ran about 560lbs, and the current 300s run the same. I've spent a lot of time on a 32' Reg with 2x250s and that boat runs fine. But if you threw another 400hp on it, it would FLY. So you are looking at a boat that has 50% more weight hanging off the back than it was designed for and can now go much, much faster....

I'd want to know a LOT about that conversion if I were looking into buying that boat.
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Old 02-11-2019, 01:22 PM
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Originally Posted by MattGoose View Post
Well, it's an '06 boat, and Yamaha didn't release 300's until the 2007 boat show. I didn't get into release dates on 300s from Mercury, Suzuki, etc as I think Yamaha usually leads the pack. I could be entirely wrong.

Add to that the fact that charter is maxing HP out at 700, I assumed that's on the manufacturers tag, which rules out trip 250s.

Based on those two facts, I'm assuming that it came rigged with a pair of 250s.

Those 250's ran about 560lbs, and the current 300s run the same. I've spent a lot of time on a 32' Reg with 2x250s and that boat runs fine. But if you threw another 400hp on it, it would FLY. So you are looking at a boat that has 50% more weight hanging off the back than it was designed for and can now go much, much faster....

I'd want to know a LOT about that conversion if I were looking into buying that boat.
Has trip 250s on it now.
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Old 02-11-2019, 01:32 PM
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Originally Posted by MattGoose View Post
Well, it's an '06 boat, and Yamaha didn't release 300's until the 2007 boat show. I didn't get into release dates on 300s from Mercury, Suzuki, etc as I think Yamaha usually leads the pack. I could be entirely wrong.
Yamaha released 300 HP models in 2003 as 2004 model year motors.
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Old 02-11-2019, 01:34 PM
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Originally Posted by Panhandler80 View Post
Has trip 250s on it now.
That how it was originally hung?

Interesting that Charter won't insure it as originally built.
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Old 02-11-2019, 01:55 PM
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I have a Donzi with trips - Charter Lakes $1200 a year
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Old 02-11-2019, 02:39 PM
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Originally Posted by MattGoose View Post
That how it was originally hung?

Interesting that Charter won't insure it as originally built.
Yep.

Not sure about Charter. Just said that Progressive wouldn't do over 700hp. Probably just an internal formula / policy of theirs.
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Old 02-12-2019, 05:58 AM
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Originally Posted by Panhandler80 View Post
Yep.

Not sure about Charter. Just said that Progressive wouldn't do over 700hp. Probably just an internal formula / policy of theirs.
Very interesting.

You wrote Progressive, I read Progressive and then I wrote Charter back!

Good luck!
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Old 02-12-2019, 06:31 AM
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Contact Jack Lane at J. Byrne insurance. I have no affiliation with them except for the fact that they have treated our clients very well over the years. People are very happy with them.

jlane@jbyrneagency.com
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Old 02-12-2019, 08:02 AM
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Charter. Ask for Brice.
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Old 02-12-2019, 09:10 AM
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Contrary to insuring any other type of boat, there are lots of agents, but there are only a handful of companies that will competitively write a trip boat in FL. The price competitive ones I've found are all surplus lines, so each has it's coverage idiosyncrasies (valuation, storm policies, named operator warranty, liability exclusions, trailering limitations and exclusions, ...), so ask for a policy and read it before deciding.

FWIW, I've selected XL Specialty through Gallagher/Charter Lakes this year. Markel/USAA had a similar price, but terms did not work for me.
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