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Insurance on an overpowered boat

Posted on 3/1/17 at 8:44 pm
Posted by bigbuckdj
Member since Sep 2011
1836 posts
Posted on 3/1/17 at 8:44 pm
Does anybody have insurance on a boat with a bigger outboard than the USCG plate calls out?
Posted by Geauxtiga
No man's land
Member since Jan 2008
34377 posts
Posted on 3/1/17 at 8:45 pm to
Narc
Posted by Boston911
Lafayette
Member since Dec 2013
1980 posts
Posted on 3/1/17 at 8:55 pm to
IDK but I have a 50hp Merc on a 14' Alweld with a tunnel. It's rated for a 25, it's pretty scary
Posted by NYCAuburn
TD Platinum Membership/SECr Sheriff
Member since Feb 2011
57002 posts
Posted on 3/1/17 at 9:38 pm to
Is there really such a thing as overpowered. Overweight, for sure, but overpowered is still on how you drive it.
Posted by Btrtigerfan
Disgruntled employee
Member since Dec 2007
21676 posts
Posted on 3/1/17 at 11:09 pm to
You might find a company that will sell you a policy to cover your boat.

When you file for a loss, and they look into it, don't be shocked if they deny your claim. They live for stuff like that.
Posted by cgrand
HAMMOND
Member since Oct 2009
39032 posts
Posted on 3/2/17 at 3:47 am to
I do

my boat was rated for 150 by the manufacturer
I called them and requested a new plate since a 175 is the exact same transom weight as a 150. They sent me a new plate and I got insured no problem

it's about transom weight not HP
Posted by KG6
Member since Aug 2009
10920 posts
Posted on 3/2/17 at 8:41 am to
Easiest way is just remove the HP sticker and put a lower number sticker on there
Posted by AwesomeSauce
Das Boot
Member since May 2015
7857 posts
Posted on 3/2/17 at 8:47 am to
Easy fix.
Boom
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