Insurance on cat/deck boat !!!

[finsfan4life]

As some of u already know, I recently decided to order a new 23 ft Placecraft. I have recently read about the scary insurance rates on cat hulls. I checked with my insurance co. (AAA) and got the following rates:
$744 a year,w/500k in coverage including boat/trailor. Thats with a boat value of $55,000 and a trailer value of $3,500, with the 496 mag. They also offerred me the "Winter lay off" rate of $609 (thats with the boat being parked and not in the water between Nov-April). Please note, this winter lay off rate does cover theft/fire/ect.
It just does not cover if boat hits the water. The agent also told me if I go with the winter lay off and if I want to take the boat out, its a matter of just making a phone call ( you know, all this talk about this dum global warming, I guess its bad for the environment but good for us..ha just kidding).
By the way, all this was with a zip code area of Santa Clarita ca. (Compton might be a lil higher, ha).
I have had AAA for years, They've been great to me....Finsfan (aka Raider hater)....

[slingingsmoke]

that winter lay-off is pretty cool. I've never heard of it. gonna have to give it a try.

[Cole Trickle]

Seems like a good rate and AAA is a reputable compny.:)
We had our Cole with them for 2 years and then all of a sudden we got a letter stating they were non renewing us because it wa sa performance based boat.(454 Jet that maybe did 55)
We argued with them and they reinstated the policy.

[lalhc]

I pay $715 per year for my Conquest deck boat. Your options for a new boat sound about right.

[blender over]

I pay 620 a year (no Layup) for a 2002 carrera 257 tunnel with a 496 ho in my Signature, it's insured for 60k:)

[EmpirE231]

age plays a big factor with rating... along with violations!

[HavasuHome]

Pay $700 for a '07 28' Howard Sport Deck.

[blown dough]

I pay $858.00

[blown dough]

Oh did I mention a month, yeah that's right, with a six month lay up.

[Havasu1986]

I pay $858.00
A MONTH:D :D

[Deano]

Oh did I mention a month, yeah that's right, with a six month lay up.
Thats great....If you average boating every other weekend....your cost is 858...per weekend....and thats with 625's...jeeezuss. I wonder what it costs with 1050's.

[jbtrailerjim]

Oh did I mention a month, yeah that's right, with a six month lay up.
Wholly shit!:jawdrop: Wow, that is crazy.

[40FlatDeck]

Thats great....If you average boating every other weekend....your cost is 858...per weekend....and thats with 625's...jeeezuss. I wonder what it costs with 1050's.
Don't ask!:D :D

[Deano]

I don't know about you ballers sometimes :D :D guess you have to pay to play:)

[Havasu1986]

Don't ask!:D :D
About the insurance or the gas.:D

[40FlatDeck]

About the insurance or the gas.:D
Ha, Ha, both!:D When I'm just cruising around it really does ok on gas. When you see the boost start to climb is when things get expensive. Actually, my insurance is less than Blown Dough.

[socalmofo]

If a person has a 300k,400k,500k boat why would they need a 6 month layup?
Why not pay the extra 5 grand and be able to go out all year. That is only really one extra boat payment......:confused:

[Dave C]

never ceases to amaze me....
Good= deckboat has cat bottom that carries 14 drunk people 70 mph...
Evil = Cat also has cat bottom that carries 5-7 drunk people 70 mph.....
;)

[blown dough]

If a person has a 300k,400k,500k boat why would they need a 6 month layup?
Why not pay the extra 5 grand and be able to go out all year. That is only really one extra boat payment......:confused:
We really don't go to Havi in the winter at all so for us its worth it.

[blown65]

Sure glad anpac insured us prior to the stoppage of boats like ours. Prob have a bayliner instead. LOL
28' daytona twin 496ho 900 yr w/no lay up.

[djunkie]

I pay $858.00
Oh did I mention a month, yeah that's right, with a six month lay up.
Wow. That sucks. I pay less than $200 a year and NO layup. And yes that is full coverage with all the bells and whistles. :D :D

[40FlatDeck]

If a person has a 300k,400k,500k boat why would they need a 6 month layup?
Why not pay the extra 5 grand and be able to go out all year. That is only really one extra boat payment......:confused:
We have a 4 month layup and to tell you the truth, that is perfect. I don't need to go to the lake all year long and if you have a boat like mine, it needs work after running all summer. I love the lake but I also love to race during the winter months.

[Cole Trickle]

Wow. That sucks. I pay less than $200 a year and NO layup. And yes that is full coverage with all the bells and whistles. :D :D
Your boat is worth as much as there billet swim step and hatch hinges:D :devil:
Mine 28V is around $650.00 for the year:)

[djunkie]

Your boat is worth as much as there billet swim step and hatch hinges:D :devil:
Mine 28V is around $650.00 for the year:)
Funny thing is, I probably put more hours on mine every year and have just as much fun in it. :D :D

[blown dough]

You would be suprised, we run ours alot during summer.

[djunkie]

You would be suprised, we run ours alot during summer.
So do I sweetheart. I was just giving Cole Trickle a hard time. :D :D

[Cole Trickle]

Funny thing is, I probably put more hours on mine every year and have just as much fun in it. :D :D
Owning a Big HP 32ft+ cat is a whole different kind of fun;):D
We can keep hating because we are forced to play with a different bank book:devil: :sqeyes:
I don't care what you got but I would rather ride on there boat than yours:D

[djunkie]

Owning a Big HP 32ft+ cat is a whole different kind of fun;):D
We can keep hating because we are forced to play with a different bank book:devil: :sqeyes:
If I really wanted to have another boat I could. I love those big fast boats but I wouldn't want everything else that comes with it. Too much to clean. :devil: I'd be happy with something around the same size as your boat. That 28' bullet will be in my garage one of these days. :D :D

[Cole Trickle]

If I really wanted to have another boat I could. I love those big fast boats but I wouldn't want everything else that comes with it. Too much to clean. :devil: I'd be happy with something around the same size as your boat. That 28' bullet will be in my garage one of these days. :D :D
28 bullet open bow w/525 would be my next V if I didn't want a cat.:)
Kinda small for a 28 but they haul ass an look great.

[djunkie]

28 bullet open bow w/525 would be my next V if I didn't want a cat.:)
Kinda small for a 28 but they haul ass an look great.
Exactly. Its big enough for what I want to do. I just hope Speedman doesn't sell his until I'm ready. Cause I will be all over that boat.

[Cole Trickle]

Exactly. Its big enough for what I want to do. I just hope Speedman doesn't sell his until I'm ready. Cause I will be all over that boat.
Nice boat but I don't like blue an i would want factory power.:) :)

[djunkie]

Nice boat but I don't like blue an i would want factory power.:) :)
It has an HP500.:wink: And your trippin on the blue. That boat is unreal in person. :D

[Magic34]

Just got my insurance quote for the new boat... $1000/year.
YEAH BABY!!!!!!!!!!!!!!!!!!
Much better than the $500/month I was paying with the cat.

[Cole Trickle]

It has an HP500.:wink: And your trippin on the blue. That boat is unreal in person. :D
I thought it had a whipple?
Blue looks great on murfs but it wouldn't be on a boat I design......no offense to the blue lovers it's just not my thing.:mad: :D ;)

[Cole Trickle]

Just got my insurance quote for the new boat... $1000/year.
YEAH BABY!!!!!!!!!!!!!!!!!!
Much better than the $500/month I was paying with the cat.
when is the sea trial in Newport?:D

[djunkie]

I thought it had a whipple?
Blue looks great on murfs but it wouldn't be on a boat I design......no offense to the blue lovers it's just not my thing.:mad: :D ;)
Oh ya I forgot about the Whipple. LOL!!!!!!:D :D

[Magic34]

when is the sea trial in Newport?:D
March 22

[Cole Trickle]

March 22
How long is the ride and what time are we casting off:D:devil:

[Cole Trickle]

Oh ya I forgot about the Whipple. LOL!!!!!!:D :D
I'm sure;)

[djunkie]

I'm sure;)
I'd probably put it back to stock if I got it. :rolleyes: :rolleyes: :D

[Cole Trickle]

I'd probably put it back to stock if I got it. :rolleyes: :rolleyes: :D
Never gonna happen since you can barely aford to pay the rent on your room;):sqeyes: :D

[Magic34]

How long is the ride and what time are we casting off:D:devil:
Probably arrive at John Wayne around 10 AM and leave that night around 7 or 8 PM.
Figure taking off from Dana Point around 11:15 AM or so.
You guys totally jacked this thread, but what else is new. You get my email?

[Havasu_Dreamin]

That 28' bullet will be in my garage one of these days. :D :D
I know of a closed bow one for sale.....

[Havasu_Dreamin]

28 bullet open bow w/525 would be my next V if I didn't want a cat.:)
Kinda small for a 28 but they haul ass an look great.
The ride is phenomenal as well.....

[Outnumbered]

AAA will write the policy, take your money, then send you a letter a month later with a "sorry your boat is too fast" note and cancel your policy. Happened to me with my Ultra, I had been with them for years. I'd be shopping for a back-up policy right now if I were you.

[djunkie]

AAA will write the policy, take your money, then send you a letter a month later with a "sorry your boat is too fast" note and cancel your policy. Happened to me with my Ultra, I had been with them for years. I'd be shopping for a back-up policy right now if I were you.
AAA has covered me for 7 years on a 70mph boat that is used primarily in Lake Havasu and Parker. And I have been 100% honest on everything about it. Not too mention they keep reducing my premium every year. 7 years ago it was around $400/ year. Its now below $200.

[Outnumbered]

AAA has covered me for 7 years on a 70mph boat that is used primarily in Lake Havasu and Parker. And I have been 100% honest on everything about it. Not too mention they keep reducing my premium every year. 7 years ago it was around $400/ year. Its now below $200.
They cancelled my 2004 Ultra 24 Stealth 496 Mag. Said it was capable of speeds in excess of 70 MPH (it wasn't, HB tested that model at 66 MPH on GPS). I told them this, they said that they audited my file and that was their finding--end of discussion.:(

[djunkie]

They cancelled my 2004 Ultra 24 Stealth 496 Mag. Said it was capable of speeds in excess of 70 MPH (it wasn't, HB tested that model at 66 MPH on GPS). I told them this, they said that they audited my file and that was their finding--end of discussion.:(
That sucks. I told them straight from the begiining that my boat could hit 70mph and they didn't have any problem with it. I've also heard people say that AAA won't cover boats used on Lake Havasu. Not true. They told me it wasn't a problem and no where in my policy does it state any places the boat can't be used.

[Makinitdrip]

AAA told me they wont insure a boat over 65mph. I got allstate 600.00 a year on my 07 23'ultra deck.

[beaverretriever]

AAA told me they wont insure a boat over 65mph. I got allstate 600.00 a year on my 07 23'ultra deck.
LOL, I have Allstate, and they have a book of all the boats they wont write. All the Shadows are a no go except they don't have the 23' on there...LOL :D

[dirty old man]

Big rate difference between Lake Pacific use and fresh water use

[socalmofo]

Anyone have a contact for Allstate?
I currently have Westmar Marine Insurance
2006 24xs Lightning 496 Mag Under 70mph and my premium is $900. I gotta be able to do better......

[Outnumbered]

Call Alternative Insurance....951-280-9999

[blown65]

Anyone have a contact for Allstate?
I currently have Westmar Marine Insurance
2006 24xs Lightning 496 Mag Under 70mph and my premium is $900. I gotta be able to do better......
Id try anpac.com, I know they wont do cats anymore, but a v at that speed they might. Our twin 496 cat was only 1200 the first yr with them. :) I just dont know what their cutoff is anymore.