Most boat insurance policies will cover a blown motor, but it is important to check with your insurer to be sure. Most policies will have a deductible that you will be responsible for, so it is important to know what that is before you have an accident.
If you’re a boat owner, you know that insurance is a must. But what happens if your boat’s engine blows up? Will your insurance policy cover the repairs?
The short answer is: it depends. Most boat insurance policies will cover the cost of repairing or replacing a blown engine, but there may be some restrictions. For example, some policies will only cover the repair costs if the engine failure was due to an accident or mechanical malfunction.
If the engine blew up because you neglected to properly maintain it, you might have to pay for the repairs out of pocket. So, before you file a claim with your insurer, be sure to read your policy carefully and understand what is and isn’t covered. That way, you’ll know what to expect and can plan accordingly.
Does Boat Insurance Cover Blown Outboard?
Boat insurance typically covers physical damage to your boat caused by collision, fire, theft, weather events, or other perils. Many policies also cover personal liability for injuries you cause to others or damage you cause to their property while operating your boat. Depending on the insurer and the policy you purchase, additional coverage options may be available for an additional premium.
Most boat insurance policies will not cover mechanical failure of your engine, including a blown outboard motor. However, coverage for this type of event may be available through a separate mechanical breakdown insurance policy or through an endorsement to your existing boat policy. Be sure to read your policy carefully so that you understand what is and is not covered.
Is Mechanical Failure Covered by Boat Insurance?
As with all insurance policies, coverage depends on the specific details of your policy. That being said, most boat insurance policies will cover mechanical failure as long as it is not due to negligence on your part. So, if your engine fails while you are out on the water, your insurance should cover the cost of repairs or replacement.
However, if you neglect to properly maintain your boat and engine, and they fail as a result, your insurance company may refuse to pay for the repairs.
Does Insurance Cover Motor Blowing Up?
No, insurance does not cover motor blowing up. This is because it is considered to be a preventable maintenance issue. If you have a problem with your motor blowing up, you will need to take it to a mechanic to have it repaired or replaced.
Will Insurance Fix a Blown Motor?
No, insurance will not fix a blown motor. This type of damage is not covered by most insurance policies. You will need to pay for the repairs out of your own pocket.
What Your Insurance Company Doesn’t Want You To Know Regarding Your Insurance Claim
Does Progressive Boat Insurance Cover Engine Damage
As a boat owner, you want to be sure that your investment is protected in case of an accident. Progressive boat insurance offers comprehensive coverage for your boat, including engine damage.
Progressive’s boat insurance policy includes physical damage coverage for your boat and its engine.
This means that if your boat is damaged in an accident, Progressive will help pay to repair or replace it. And if your boat’s engine is damaged, we’ll help cover the cost of repairs or replacement up to the limits of your policy. Physical damage coverage is just one part of Progressive’s comprehensive boat insurance coverage.
We also offer liability protection in case you’re responsible for damages or injuries caused by your boat. So whether you’re out on the water or docked at the marina, you can relax knowing that you’re covered with Progressive.
If you’re wondering whether your boat insurance will cover a blown motor, the answer is maybe. It depends on the specifics of your policy and what caused the engine to fail. If the failure was due to normal wear and tear, it’s unlikely that your insurer will pay for repairs.
However, if the engine failed because of an accident or another covered event, you may be able to file a claim.