ALEXANDRIA, Va., June 19, 2012 – It’s smart to look for an affordable insurance policy for your pontoon or personal watercraft, but buying on price alone could be a costly mistake. Why? Because unlike standard home or auto insurance programs, boat insurers can exclude any coverages they wish, making it harder to know if you have the right coverage. However, BoatUS’ competitively-priced pontoon and personal watercraft (PWC) insurance programs, which offer new lower rates, can give you just what you need with no surprises. Here’s a look:
For both pontoons and PWCs, diminishing deductibles are included with all policies. For every year a boater remains claims-free, the program automatically discounts the policy’s hull coverage deductible 25% at renewal, until it reaches $0. Also included are uninsured boater, enhanced fuel spill coverage and an additional $25,000 in supplemental medical payment coverage for family members - which is in addition to the medical payments limit you select with your policy.And if you have a claim and need repairs, BoatUS provides a guarantee for claims-related repairs made at an approved facility for as long as you own and insure the boat through BoatUS.
While pontoons are fine for leisurely cruises around the lake, many have become platforms for fishing and watersports. BoatUS offers an “Angler” policy that includes $5,000 in coverage for expensive gear such as rods and reels.Adding BoatUS’ “Watersports Package” to a pontoon policy for just $30 additional gets you up to $5000 in coverage for your waterskis, inflatables, wakeboards, scuba or snorkel gear. It also includes $5000 in medical payment coverage for other guests, which compares to other policies that may offer just $1,000.
PWC owners will also appreciate BoatUS’ roadside assistance included with the policy, which offers 24/7 dispatch and will reimburse up to $250 for the cost to both a disabled boat trailer and tow vehicle (while towing) to a safe location, repair facility or home. BoatUS roadside assistance also provides for battery jumps, winching up slippery ramps, fuel drop-offs and key lock-out service, and using the service does not count as claim against you. Across the US, over 18,000 towing service providers are ready to respond day or night with the right equipment to handle vehicle and trailer breakdowns.
With BoatUS, you’re getting a hands-on insurance company which won’t leave you wondering ‘what’s next?’ when a claim is made. And BoatUS is the only insurance program that gives you Seaworthy, the quarterly damage-avoidance magazine that sheds light on the claims files so we can learn from other’s mistakes. After all, the best insurance program may be the one that helps prevent you from ever having to file a claim in the first place.
BoatUS – Boat Owners Association of The United States – is the nation’s leading advocate for recreational boaters providing over half a million members with government representation, programs and money-saving services. For membership information visit www.BoatUS.com or call 800-395-2628.