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  Tow insurance - don't double pay!

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Author Topic:   Tow insurance - don't double pay!
alvispollard posted 02-27-2001 11:18 PM ET (US)   Profile for alvispollard   Send Email to alvispollard  
Why do so many boaters, even the smartest (that is those who own whalers) double pay for towing insurance. My Grange policy is $160/yr. for '90 montauk, '96 Mariner 100, and trailer. My policy includes unlimited tows up to $500 each. This covers my boat whether in the Ohio River, Lake Erie, or Atlantic Ocean. Why should I double pay for $95/yr. tow insurance? What am I missing? I just checked with my agent in Feb. to make sure this had not changed. It had changed. My coverage went from $300 to $500. I have this coverage in writing. Just something to think about and my .02 worth.
compounder posted 02-28-2001 09:41 AM ET (US)     Profile for compounder  Send Email to compounder     
One reason I can think of immediately is that an individual towing job can easily exceed $500!
andygere posted 02-28-2001 11:45 AM ET (US)     Profile for andygere  Send Email to andygere     
My liability/comprehensive policy from West Marine includes towing so long as I don't travel more than 15 miles offshore. Also, they offered the best price/coverage of about 5 companies I checked, including Geico who insures both my cars.
stagalv posted 02-28-2001 02:29 PM ET (US)     Profile for stagalv  Send Email to stagalv     
Does this West Marine policy have a cap on the standard towing? I just shopped around my Montauk and saw that Boat U.S. has towing included but only up to the first $50. I think I am going with USAA even they dont offer any towing on the water. Rex
whalernut posted 02-28-2001 04:27 PM ET (US)     Profile for whalernut  Send Email to whalernut     
Alvispollard, who do you get you`re insurance through and do you have their number? You mentioned the Ohio River and Lake Erie, I live in PGH. PA. and boat in both, so maybee the insurance company is close to me? Thanks. Regards-Jack Graner.
alvispollard posted 02-28-2001 09:27 PM ET (US)     Profile for alvispollard  Send Email to alvispollard     
My boat insurance is with Grange Insurance. A local independent agent, Wiseman Insurance Co., Gallipolis, Ohio handles all my insurance: vehicles, mortgage, and boat. These multilple policies undoubtedly bring down the price. Their # is 740-446-3643.
whalernut posted 02-28-2001 09:37 PM ET (US)     Profile for whalernut  Send Email to whalernut     
Thanks Dude! Regards-Jack Graner.
alvispollard posted 02-28-2001 09:46 PM ET (US)     Profile for alvispollard  Send Email to alvispollard     
Concerning hourly towing rate and is $500 not enough. BoatUS Tow charges $130/hr. for smaller boats. If they can run 15-20 mph out and 10 mph returning, 3-4 hours is sufficient for a 20 mile or less tow. Another great thing about a good policy is the fact that $500 will also pay for a mechanic to come out and fix the motor. Does anyone know of someone who provides this service out of Morehead City, NC area or Port Clinton, Ohio area? This service is clearly spelled out in the policy.

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