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Coverage of Fathers Insurance?

Old 08-25-2015, 09:44 AM
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Default Coverage of Fathers Insurance?

So I have my own boat and insurance, but I am going up to visit my father for labor day and want to take out his boat. He does not have a family plan just his own. Would I be covered on his boat or would I have to add myself to his policy? Not looking to fork over 2.5k for a years coverage when I would only be operating his boat 3-4 weekends out of the year.
Old 08-25-2015, 10:00 AM
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You should be good without being added to his policy as a listed operator since it is not an everyday occurance.
Old 08-25-2015, 10:04 AM
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Heres an idea------- Call his Inscurance company and ask them

Get it in writing
Old 08-25-2015, 10:58 AM
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Originally Posted by jpcanning View Post
Heres an idea------- Call his Inscurance company and ask them

Get it in writing
Just stop it with the sense and logic!
Old 08-25-2015, 11:12 AM
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Originally Posted by jpcanning View Post
Heres an idea------- Call his Inscurance company and ask them

Get it in writing
Actually call your insurance company first, your policy may cover you on his boat and his company might not be able to help you without the policy number.
Old 08-25-2015, 11:20 AM
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You could be covered under your policy.
Old 08-25-2015, 11:35 AM
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Usually the boats insurance is primary and yours would be secondary. All it should take is a quick call to both agents.
Old 08-25-2015, 11:53 AM
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Yep I would call both insurance companies to verify. I rented a boat in the Keys years ago and it partially sunk at the dock. I paid for the repairs out of pocket. The next year I tried to get insurance but multiple agencies told me I could not get insurance on a boat I did not own. I asked why I am covered on a rental car that I don't own, the response was cars are different.;?

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