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Author Topic:   Insurance for a 115 on a Montauk

OIA posted 02-13-2009 08:49 PM ET (US)
I have an older Montauk, max engine rating 100hp. Has anyone ever been able to get insurance for 115hp on a boat only rated for 100hp.
I really like the E-Tec. The 90hp is good but I want a four cylinder. I still waterski alot behind the boat and 30 years of boating experience tells me a three cylinder outboard will not pull a skier out of the water (without dragging him for 100 yards).
Your thoughts on the insurance and the torque of the three cylinder E-Tec are apprecaited.
Thanks,
John
frontier posted 02-13-2009 09:52 PM ET (US)
I asked our insurance company the same question a few days ago.
They said they go by size and speed, not by rating.
Their charts show a 17' boat is insurable up to 120 HP.
And cannot go over 50 MPH.
rowmer1 posted 02-13-2009 10:39 PM ET (US)
While I was at the "Atlantic City Boat Show", I stopped at the Progressive insurance booth and asked that question. I have the 115 on a 17 Montauk. Their "her" reply was they insure boats up to 70 mph.Yes,She was cute. I'm currently insured through State Farm and they know it exceeds recommended hp. I also stopped at the Evinrude booth and talked to "Bud" from "Buds Outboard Marine" in Ocean City NJ. He is an Evinrude guru in this part of New Jersey. I also use my boat a lot for skiing and he said the 90 is plenty. I had the same concern as you about power. He assured me the 90 would have been fine. I mention this because you would have to install the 115 yourself. Something Bombardier Recreational Products frowns upon. If you do go the 115 route get the ETEC 115"HO", more like a 130.
lizard posted 02-14-2009 11:04 AM ET (US)
This has come up before with the same odd results. When looking for our Montauk, we found one with a 115. We are insured through State Farm, who would not insure it over-powered. How can it be that State Farm agents give differing responses?
mateobosch posted 02-14-2009 11:59 AM ET (US)
OIA,
I was going through Auto Owners Insurance for a while with my set up. I have the E-TEC 115 on my Montauk and let me tell you that this is a fast machine! Hole shot with or without a skier is unbelievable. I'm a bigger guy, (215 pounds) and my boat pulls me right out of the water. There is so much torque that the boat seems to never plane out but just instantly accelerate to cruising speed. I could email you a picture if you want the visual of how it looks on a Montuak. It’s a big engine but it actually looks great on the boat.
Matt
Jeff posted 02-14-2009 12:29 PM ET (US)
John,
You should not have a problem to big of a problem insuring the boat with a E-Tec 115. I go through safeco and have been very happy with their service. I had to file a claim and they were great to work with. They also insure my Whalers for full market value and not the NADA or other non reality based prices. I go through Larry Goltz's (LHG) agency and have is son as my agent. They can write policies in all 50's states and since they are great Whaler lovers they are also very helpful in properly insuring your classic. Their prices are very reasonable as well. Email me if you would like their contact info.
BTW Here are some shots of Matt's boat I took from this summer. Here is a link to one image. There are a lot more in the folder..just browse through.
http://smg.photobucket.com/albums/v427/jeff_rohlfing/July%205th%202008/ ?action=view¤t=DSC_4072.jpg
Cheers,
Jeff
elaelap posted 02-14-2009 01:23 PM ET (US)
Now please don't take this as definitive, but instead as just a suggestion from a hyper-cautious lawyer who has spent--or misspent--the past twenty years of his life butting heads with insurance companies and insurance defense attorneys.
If it were me, for whatever that's worth, I'd make damn sure I had a photocopy of a signed, dated letter to my insurance agent which went something like this:
"Hi Chris,
Thanks as usual for your help with my insurance coverage. My wife and I truly appreciate your assistance over the years, blah, blah & blah... This will confirm that you told me there would be no coverage problem with my technically "overpowered" boat should a claim become necessary."
Some more blahs; a "Thanks again;" and Bob's yer uncle.
A letter like this in your insurance file could save you beaucoup bucks and many headaches down the line, I promise. It might even keep you out of the not-always-so-gentle hands of one of my colleagues ;-)
Tony
OIA posted 02-14-2009 07:32 PM ET (US)
Thanks everyone for the responses. Wow! The ContinuousWave, what a reference! What a resource. I have a 90 FICHT on the boat right now. It's eight years old and little things are starting to break. I'm struggling with the "keep the existing motor / get a new motor" question. If the summer plans come to fruition I definately will get a new motor.
Matt, the 115 weighs about 40 pounds heavier than my FICTH. From the photos it certainly doesn't look like the extra weight is an issue. BTW, where were you when the photos were taken?
Jeff, thanks for the reference, if I have trouble here in CA with my insurance agent I'll definetly shoot you an e-mail.
Tony thanks for the legal advice.
John
mateobosch posted 02-15-2009 12:29 PM ET (US)
John,
Those pictures are from Fort Collins, Colorado up at the Horse Tooth Reservior.
A2J15Sport posted 02-15-2009 02:19 PM ET (US)
Neither Geico or Progressive would insure my 1976 Whaler 15' Sport. They said it was "too old".
State Farm said "no problem". Put a value on it. I did.

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Author	Topic: Insurance for a 115 on a Montauk
OIA	posted 02-13-2009 08:49 PM ET (US) I have an older Montauk, max engine rating 100hp. Has anyone ever been able to get insurance for 115hp on a boat only rated for 100hp. I really like the E-Tec. The 90hp is good but I want a four cylinder. I still waterski alot behind the boat and 30 years of boating experience tells me a three cylinder outboard will not pull a skier out of the water (without dragging him for 100 yards). Your thoughts on the insurance and the torque of the three cylinder E-Tec are apprecaited. Thanks, John
frontier	posted 02-13-2009 09:52 PM ET (US) I asked our insurance company the same question a few days ago. They said they go by size and speed, not by rating. Their charts show a 17' boat is insurable up to 120 HP. And cannot go over 50 MPH.
rowmer1	posted 02-13-2009 10:39 PM ET (US) While I was at the "Atlantic City Boat Show", I stopped at the Progressive insurance booth and asked that question. I have the 115 on a 17 Montauk. Their "her" reply was they insure boats up to 70 mph.Yes,She was cute. I'm currently insured through State Farm and they know it exceeds recommended hp. I also stopped at the Evinrude booth and talked to "Bud" from "Buds Outboard Marine" in Ocean City NJ. He is an Evinrude guru in this part of New Jersey. I also use my boat a lot for skiing and he said the 90 is plenty. I had the same concern as you about power. He assured me the 90 would have been fine. I mention this because you would have to install the 115 yourself. Something Bombardier Recreational Products frowns upon. If you do go the 115 route get the ETEC 115"HO", more like a 130.
lizard	posted 02-14-2009 11:04 AM ET (US) This has come up before with the same odd results. When looking for our Montauk, we found one with a 115. We are insured through State Farm, who would not insure it over-powered. How can it be that State Farm agents give differing responses?
mateobosch	posted 02-14-2009 11:59 AM ET (US) OIA, I was going through Auto Owners Insurance for a while with my set up. I have the E-TEC 115 on my Montauk and let me tell you that this is a fast machine! Hole shot with or without a skier is unbelievable. I'm a bigger guy, (215 pounds) and my boat pulls me right out of the water. There is so much torque that the boat seems to never plane out but just instantly accelerate to cruising speed. I could email you a picture if you want the visual of how it looks on a Montuak. It’s a big engine but it actually looks great on the boat. Matt
Jeff	posted 02-14-2009 12:29 PM ET (US) John, You should not have a problem to big of a problem insuring the boat with a E-Tec 115. I go through safeco and have been very happy with their service. I had to file a claim and they were great to work with. They also insure my Whalers for full market value and not the NADA or other non reality based prices. I go through Larry Goltz's (LHG) agency and have is son as my agent. They can write policies in all 50's states and since they are great Whaler lovers they are also very helpful in properly insuring your classic. Their prices are very reasonable as well. Email me if you would like their contact info. BTW Here are some shots of Matt's boat I took from this summer. Here is a link to one image. There are a lot more in the folder..just browse through. http://smg.photobucket.com/albums/v427/jeff_rohlfing/July%205th%202008/ ?action=view¤t=DSC_4072.jpg Cheers, Jeff
elaelap	posted 02-14-2009 01:23 PM ET (US) Now please don't take this as definitive, but instead as just a suggestion from a hyper-cautious lawyer who has spent--or misspent--the past twenty years of his life butting heads with insurance companies and insurance defense attorneys. If it were me, for whatever that's worth, I'd make damn sure I had a photocopy of a signed, dated letter to my insurance agent which went something like this: "Hi Chris, Thanks as usual for your help with my insurance coverage. My wife and I truly appreciate your assistance over the years, blah, blah & blah... This will confirm that you told me there would be no coverage problem with my technically "overpowered" boat should a claim become necessary." Some more blahs; a "Thanks again;" and Bob's yer uncle. A letter like this in your insurance file could save you beaucoup bucks and many headaches down the line, I promise. It might even keep you out of the not-always-so-gentle hands of one of my colleagues ;-) Tony
OIA	posted 02-14-2009 07:32 PM ET (US) Thanks everyone for the responses. Wow! The ContinuousWave, what a reference! What a resource. I have a 90 FICHT on the boat right now. It's eight years old and little things are starting to break. I'm struggling with the "keep the existing motor / get a new motor" question. If the summer plans come to fruition I definately will get a new motor. Matt, the 115 weighs about 40 pounds heavier than my FICTH. From the photos it certainly doesn't look like the extra weight is an issue. BTW, where were you when the photos were taken? Jeff, thanks for the reference, if I have trouble here in CA with my insurance agent I'll definetly shoot you an e-mail. Tony thanks for the legal advice. John
mateobosch	posted 02-15-2009 12:29 PM ET (US) John, Those pictures are from Fort Collins, Colorado up at the Horse Tooth Reservior.
A2J15Sport	posted 02-15-2009 02:19 PM ET (US) Neither Geico or Progressive would insure my 1976 Whaler 15' Sport. They said it was "too old". State Farm said "no problem". Put a value on it. I did.