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I've been a member of Sea tow for maybe 10 yrs. and 3 or 4 years ago I got my boat insurance through Sea Insure because the two of them are connected somehow and they gave me what I thought was pretty good coverage. Three years ago I broke an axle on my boat trailer and filed a claim for around $800 and they were really good with taking care of everything. Last year I had a short in the wiring in my boat that almost caused a fire and I filed another claim to repair that. It might have been for around a $1,000. Again they worked really well with me and I got my boat fixed. About a month ago I was notified in the mail that Sea Insure was now "NO INSURE" and they were cancelling my policy because of the claims I filed. I guess the insurance is only good until you file a claim against them. I told them that I was going to cancel my Sea Tow insurance "since the two are connected" and go with Boat US for my on the water towing. I'm afraid that Sea Tow will cancel my insurance because after having them for 10 yrs. I finally needed towing assistance. I sent an email to the agent at "NO INSURE" letting them know of my dis-satisfaction and gave them a chance to reply to me but I never heard from them so now I'm letting everybody else know how they operate. I guess I'm going to try Progressive and see how they are. Has anybody had any dealings with either NO INSURE or Progressive during a claim and then also been cancelled later?
 

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Check with Capt Joe on the barn here. He is a marine insurance agent, and has helped countless numbers of barners get the best coverage for the dollar.
You read my mind Joe , Was just going to say that.

He can answer all your questions.
 

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While I have no idea why you are being cancelled...you might want to pursue that a bit further as I haven't heard any similar complaints about Sea Insure.

Did an adjuster look at your boat during/after the last claim? If no, maybe contacting them about a formal or informal survey may help out.

Sea Insure is relatively new and while loosely connected to Sea Tow towing insurance...I doubt your local towing franchise will be under the gun to drop you....thus why threatening to jump ship with Sea Insure probably got little response.

If Sea Tow Cape May is the Sea Tow franchise you deal with....I would hope our good reputation is worth staying with no matter how your hull insurance turns out.

Also as suggested, check with Capt. Joe as he is always good for suggestions or help with insurance.
 

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I use BoatUS for my towing and Insurance. I have an agreed value policy with better coverage aand a lower premium then ANYBODY else could give me.
 

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I use BoatUS for my towing and Insurance. I have an agreed value policy with better coverage aand a lower premium then ANYBODY else could give me.
I have BoatUS insurance as well as TowBoatUS and both are top notch :thumbsup: They have been in business longer then most insurers. The agreed value policy is great and so is there towing...
 

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I have BoatUS insurance as well as TowBoatUS and both are top notch :thumbsup: They have been in business longer then most insurers. The agreed value policy is great and so is there towing...
I too have Boat US for insurance on both my boat and cars. Different companies but rates that can't be beat. 7 years ago my 21' starcraft CC was stolen. This boat had never been stored outside and was trailered except for a couple of weeks each summer on vacation. She was an extremely clean boat . When they came back with a payout figure I declined and sent them recent pics of the boat. They then increased my claim by $2000.00. Because of that claim experience they now have my undying loyalty.
 

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Another vote for Capt. Joe.... he has been taking care of my boat insurance for years, gets me great rates, the coverage is from a solid company, and I get to BS with him about who is a better fisherman ;)

All kidding aside, insurance is something you shouldn't have to think about until you need it, and then you should have someone to help you that knows their way around the block... Joe is the guy.
 

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I've been a member of Sea tow for maybe 10 yrs. and 3 or 4 years ago I got my boat insurance through Sea Insure because the two of them are connected somehow and they gave me what I thought was pretty good coverage. Three years ago I broke an axle on my boat trailer and filed a claim for around $800 and they were really good with taking care of everything. Last year I had a short in the wiring in my boat that almost caused a fire and I filed another claim to repair that. It might have been for around a $1,000. Again they worked really well with me and I got my boat fixed. About a month ago I was notified in the mail that Sea Insure was now "NO INSURE" and they were cancelling my policy because of the claims I filed. I guess the insurance is only good until you file a claim against them. I told them that I was going to cancel my Sea Tow insurance "since the two are connected" and go with Boat US for my on the water towing. I'm afraid that Sea Tow will cancel my insurance because after having them for 10 yrs. I finally needed towing assistance. I sent an email to the agent at "NO INSURE" letting them know of my dis-satisfaction and gave them a chance to reply to me but I never heard from them so now I'm letting everybody else know how they operate. I guess I'm going to try Progressive and see how they are. Has anybody had any dealings with either NO INSURE or Progressive during a claim and then also been cancelled later?
I have been using sea tow for years so when I got the letter about a price quote from sea insure I said I would give it a try.this years price is more than I am paying from travelers last year price I still have 2 months to go so I am still shopping.By going through the power squadron it is one dollar more than my existing policy .Maybe the rates are going up I will have to see what travelers rates are this year to know for sure.
 

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Maybe it's just me, but I would expect to get dropped after $2000 in claims in the first three years, unless I was paying well over a grand a year for coverage. Just like I would expect Sea Tow to drop me if I had to be towed a couple times a year. They have every right to drop you if they think the boat may be a money pit and a serious liability. The electrical short could have totaled the boat in a fire, and a broken trailer axle could have totaled the boat and caused a 10 car pile up. What would you do if you were them?
 

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I also use Joe for insurance on both of my boats. He is a great guys and looks out for his clients. The adjusters which the insurance carriers he uses are also great guys with working in the marine field I have dealt with these guys on more then one occasion. Good luck in your hunt for insurance. As for the towing service I think I would consider staying with sea tow.
 

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I dont think its just them . I may have to make a second claim in about 2 years , I am being told that I should be prepared to be dropped . Both are under water obstuctions . So now I have to see if its worth going through with second claim . Good luck .
 

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Maybe it's just me, but I would expect to get dropped after $2000 in claims in the first three years, unless I was paying well over a grand a year for coverage. Just like I would expect Sea Tow to drop me if I had to be towed a couple times a year. They have every right to drop you if they think the boat may be a money pit and a serious liability. The electrical short could have totaled the boat in a fire, and a broken trailer axle could have totaled the boat and caused a 10 car pile up. What would you do if you were them?
I have to agree with Bay Rat. If I would submit 2 claims in that time period for the items claimed I would expect them to question my account.
 

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I have to agree with Bay Rat. If I would submit 2 claims in that time period for the items claimed I would expect them to question my account.
However, $2000 isnt a huge amount of money in the grand scheme of boating expenses. Some of us probably wouldnt have even submitted it to insurance just because of this possiblity. I guess its all relative though, I dont know what his premiums were. When I had my first Grady, I had an $18k claim a month after I bought the BoatUS policy. I had another small claim 3 years later (like $1200), and they didnt drop me. I dont know what their criteria are, but I had very good experience with BoatUS, but I know they werent the cheapest around.
 

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Any time you start making multiple claims on any insurance policy, I think you run the risk of the insurance company not offering to renew the policy. I view insurance on a boat docked in NJ as protection if you suffer a catastrophic loss (i.e., the boat is destroyed or very badly damaged). I had about $2,800 of glass work done to fix damage my boat suffered in teh big noreaster. I just paid it myself and did not file a claim. In NJ your ability to get boat insurance at all is tenuous.
 

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After making 2 claims in 3 years, for relatively small amounts its no suprise they dropped you. The same thing would happen with your auto insurance too. You are better off paying out of pocket for the small stuff.
 

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Maybe it's just me, but I would expect to get dropped after $2000 in claims in the first three years, unless I was paying well over a grand a year for coverage. Just like I would expect Sea Tow to drop me if I had to be towed a couple times a year. They have every right to drop you if they think the boat may be a money pit and a serious liability. The electrical short could have totaled the boat in a fire, and a broken trailer axle could have totaled the boat and caused a 10 car pile up. What would you do if you were them?
I was thinking the exact same thing.
 

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Maybe it's just me, but I would expect to get dropped after $2000 in claims in the first three years, unless I was paying well over a grand a year for coverage. Just like I would expect Sea Tow to drop me if I had to be towed a couple times a year. They have every right to drop you if they think the boat may be a money pit and a serious liability. The electrical short could have totaled the boat in a fire, and a broken trailer axle could have totaled the boat and caused a 10 car pile up. What would you do if you were them?
I would have to agree with Bay Rat. Two claims in three years would make any insurance company want to drop you. It may have been just bad luck but it doesnt make you look good as far as maintaining your equipment.
 

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I'm a Sea Tow memeber and when they sent me information about Sea Insure I called. I was told they don't insure boats in NJ. Evidently that is not the case but that is what they said. I have Travelers and no one has come close to the price when I shop for a quote.
 
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