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Old 14-09-2015, 07:48   #1
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List of insurers that don't require a survey

I will start: progressive.



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Old 14-09-2015, 08:05   #2
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Re: List of insurers that don't require a survey

if you seek liability insurance there is no surey required.
for hull replacement there is always a survey needed.
go from there.
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Old 14-09-2015, 08:16   #3
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Re: List of insurers that don't require a survey

State Farm didn't either for our old boats, which were on a lake. I doubt that any of your usual home/auto insurers will require a survey, but the actual marine insurance companies all will.
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Old 14-09-2015, 08:22   #4
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Re: List of insurers that don't require a survey

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Originally Posted by unbusted67 View Post
I will start: progressive.
The Progressive ads are so all-pervasive, annoying and insulting that I refuse to do business with them. Don't want to encourage them further.
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Old 14-09-2015, 09:29   #5
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Re: List of insurers that don't require a survey

Very unwise, buying a boat without a survey.
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Old 14-09-2015, 09:36   #6
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Re: List of insurers that don't require a survey

Insurer survey requirements can differ depending on region, vessel’s age, size of vessel, your claims experience, etc. Insurers also change their underwriting criteria on a regular basis, so putting together a list might have little value.
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Old 14-09-2015, 09:43   #7
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Re: List of insurers that don't require a survey

BoatUS actually just changed, like a month ago, to not require a survey for most boats.

Beth led the analysis to convince them to make the change. Turned out that "insurance surveys" we're not adding much value . . . . Quite Different than "pre-purchase surveys".
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Old 14-09-2015, 10:03   #8
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Re: List of insurers that don't require a survey

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Insurer survey requirements can differ depending on region, vessel’s age, size of vessel, your claims experience, etc. Insurers also change their underwriting criteria on a regular basis, so putting together a list might have little value.
Also insurers may have a short list of certain vessels/types which have cost them, disproportionately, over the years, and so require more frequent surveys--older, wooden or ferrocement boats, for example.
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Old 14-09-2015, 10:18   #9
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Re: List of insurers that don't require a survey

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Originally Posted by zeehag View Post
if you seek liability insurance there is no surey required.
for hull replacement there is always a survey needed.
go from there.
International Marine Insurance Services (IMIS) said they do demand a survey, even for liability-only insurance. And the representative made it pretty clear they don't like the idea of liability-only.
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Old 14-09-2015, 10:33   #10
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Re: List of insurers that don't require a survey

Your basic auto insurer usually wont require one for a recreational vessel... at least in non yacht sizes.
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Old 14-09-2015, 10:53   #11
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Re: List of insurers that don't require a survey

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Very unwise, buying a boat without a survey.
Really? It has worked out splendidly for us! I could never decide whether or not I wanted a hanked on survey or just a roller furling one so I just went without. We managed to make it all the way to the Bahamas and back without one!

Interesting about Boat US. I will look them up.
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Old 14-09-2015, 10:59   #12
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Re: List of insurers that don't require a survey

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Originally Posted by estarzinger View Post
BoatUS actually just changed, like a month ago, to not require a survey for most boats.

Beth led the analysis to convince them to make the change. Turned out that "insurance surveys" we're not adding much value . . . . Quite Different than "pre-purchase surveys".
Tell Beth thank you. Boat US didn't insist on a survey on the boat we just purchased.
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Old 14-09-2015, 11:04   #13
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Re: List of insurers that don't require a survey

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Originally Posted by Terra Nova View Post
Very unwise, buying a boat without a survey.

Who's buying???

We've got progressive for liability only, and we bought without a survey fwiw (a risk i was willing to take for the cash outlay we were looking at)


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Old 14-09-2015, 11:14   #14
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Re: List of insurers that don't require a survey

Wish this thread had started before I got an expensive/useless survey for liability only. Surveyor said - AFTER he collected the money - "I hate ferrocement boats."
Lived in dread for a week, but he came through (grudgingly).
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Old 14-09-2015, 11:29   #15
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Re: List of insurers that don't require a survey

I have Progessive but now liability only. Previously I had a full coverage policy. Problem was they were charging me $3800/yr. since the boat is 15 yr older I asked if I could reduce the insured amount. I was told they would "consider it" with a new survey.

I was not going to pay for a survey with only the chance they could reduce my premium. So I changed to liability with medical. Premium is now $800/yr.

I've never had a claim in over 20 yrs, so I'll take my chances.

Rich


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