Airboat Insurance for a hybrid cage

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PhilDeez
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Airboat Insurance for a hybrid cage

Postby PhilDeez » Tue Nov 10, 2015 5:06 pm

For the folks that don't have their motor completely under the cage, were you able to find insurance? I went through the earlier posts and have called a few other companies today with no luck. Wondering if I have to add a little metal to the cage.

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Re: Airboat Insurance for a hybrid cage

Postby BIG MAX » Tue Nov 10, 2015 5:27 pm

I have Markel American Insurance Co.About $600 a year.Just tell them you want to insure your air boat.Agent is
Aurther j Gallagher
3455 E Paris Ave SE
Grand Rapids MI 49512
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Re: Airboat Insurance for a hybrid cage

Postby PhilDeez » Tue Nov 10, 2015 5:30 pm

I talked to them today and they told me that they weren't going to give me a quote because my motor is partially exposed.

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Re: Airboat Insurance for a hybrid cage

Postby Kenny627 » Wed Nov 11, 2015 9:01 am

I was told as long as the exhaust were covered shouldn't be a problem getting insured. Mine is through Bryant Coverall.
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Re: Airboat Insurance for a hybrid cage

Postby PhilDeez » Wed Nov 11, 2015 12:01 pm

Dang, I don't meet that criteria either. Looks like I might have to start bending some metal...
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BluByU2
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Re: Airboat Insurance for a hybrid cage

Postby BluByU2 » Wed Nov 11, 2015 2:07 pm

I was just canceled by Charter Lakes, and I have a pancake cage, so it does not appear I will be able to find a new policy. I would love to have the coverage, but I don't plan on building a new cage just to satisfy their requirements. :angry5: I want full access to my engine without having to climb inside a damn cage to work on it should the need ever arise! That can kill you if the boat goes down, and you're trapped inside.

Sorry, it just pisses me off when these companies come up with these ridiculous rules.

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Re: Airboat Insurance for a hybrid cage

Postby scrambletown » Wed Nov 11, 2015 2:09 pm

BluByU2 wrote:I was just canceled by Charter Lakes, and I have a pancake cage, so it does not appear I will be able to find a new policy. I would love to have the coverage, but I don't plan on building a new cage just to satisfy their requirements. :angry5: I want full access to my engine without having to climb inside a damn cage to work on it should the need ever arise! That can kill you if the boat goes down, and you're trapped inside.

Sorry, it just pisses me off when these companies come up with these ridiculous rules.

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both my boats have pancake cages so the insurance co can go suck egg's,
they are my boats built my way not the insurance way so to the insurance co's
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Re: Airboat Insurance for a hybrid cage

Postby Kenny627 » Wed Nov 11, 2015 2:38 pm

You can thank sorry people and even chittier lawyers.
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Re: Airboat Insurance for a hybrid cage

Postby SteveReid » Wed Nov 11, 2015 5:20 pm

I sure hope no one tells them they don't have reverse and breaks!!

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Re: Airboat Insurance for a hybrid cage

Postby scrambletown » Wed Nov 11, 2015 5:24 pm

or turn signals
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Re: Airboat Insurance for a hybrid cage

Postby JugHead » Wed Nov 11, 2015 6:14 pm

Maybe George Bryant will chime in and shed some light if he can insure them with pancake or hybrid cages?
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Re: Airboat Insurance for a hybrid cage

Postby farmboy » Wed Nov 11, 2015 6:33 pm

JugHead wrote:Maybe George Bryant will chime in and shed some light if he can insure them with pancake or hybrid cages?

I talked to him a little while back and he had told me the same thing about they will not insure them without having a full cage. Unless something changed since then I don't know... I had mine insured but I'm dropping my insurance... I'm not changing my boat around for that mess.
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Re: Airboat Insurance for a hybrid cage

Postby PhilDeez » Wed Nov 11, 2015 7:27 pm

BluByU2 wrote:I was just canceled by Charter Lakes, and I have a pancake cage, so it does not appear I will be able to find a new policy. I would love to have the coverage, but I don't plan on building a new cage just to satisfy their requirements. :angry5: I want full access to my engine without having to climb inside a damn cage to work on it should the need ever arise! That can kill you if the boat goes down, and you're trapped inside.

Sorry, it just pisses me off when these companies come up with these ridiculous rules.


I agree with you. I asked the question "Why" on the phone and they couldn't give me an explanation other than "I don't know, that's just the policy"

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Re: Airboat Insurance for a hybrid cage

Postby PhilDeez » Wed Nov 11, 2015 7:29 pm

farmboy wrote:
JugHead wrote:Maybe George Bryant will chime in and shed some light if he can insure them with pancake or hybrid cages?

I talked to him a little while back and he had told me the same thing about they will not insure them without having a full cage. Unless something changed since then I don't know... I had mine insured but I'm dropping my insurance... I'm not changing my boat around for that mess.

Nothing changed, I contacted his office too and was given the same response.

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Re: Airboat Insurance for a hybrid cage

Postby Gary S » Thu Nov 12, 2015 7:40 am

Ask them if a belt guard for the alternator belt would make the difference. That would be easier to incorporate into the boat.

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Re: Airboat Insurance for a hybrid cage

Postby scrambletown » Thu Nov 12, 2015 7:53 am

Gary S wrote:Ask them if a belt guard for the alternator belt would make the difference. That would be easier to incorporate into the boat.

????????????????????????????????????????????
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Re: Airboat Insurance for a hybrid cage

Postby getitdone » Thu Nov 12, 2015 8:42 am

You could try the Seaworthy GEICO Program (P) 877-581-2628. I got a quote from them awhile back but stuck with markel. they were more expensive and picky also. I think I remember the engine can only be so much horsepower and the speed was an issue also or something like that.
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Re: Airboat Insurance for a hybrid cage

Postby jeepinocala1111 » Thu Nov 12, 2015 12:20 pm

They will not insure an airboat with a cage that does not cover the back portions. I wanted a pancake cage cause they look so clean but for insurance reasons I did not use one.

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Re: Airboat Insurance for a hybrid cage

Postby Gary S » Fri Nov 13, 2015 7:37 am

scrambletown wrote:
Gary S wrote:Ask them if a belt guard for the alternator belt would make the difference. That would be easier to incorporate into the boat.

????????????????????????????????????????????

Open v belts are a great place to loose fingers and other body parts. If they were made more inaccessible they might be OK with the cage.

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Re: Airboat Insurance for a hybrid cage

Postby scrambletown » Fri Nov 13, 2015 7:45 am

Gary S wrote:
scrambletown wrote:
Gary S wrote:Ask them if a belt guard for the alternator belt would make the difference. That would be easier to incorporate into the boat.

????????????????????????????????????????????

Open v belts are a great place to loose fingers and other body parts. If they were made more inaccessible they might be OK with the cage.

GARY,
mine has a cage that bob-o fabricated for me! looks real nice.
just would like to know how the insurance industry become such experts on air-boats all of a sudden?
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SteveReid
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Re: Airboat Insurance for a hybrid cage

Postby SteveReid » Fri Nov 13, 2015 8:12 am

They follow the lead of Ladder manufactures. Always some A H looking for a freebie. We need to be thankful we can buy any insurance at all. Morgan and Morgan working for the people!!

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JCGator
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Re: Airboat Insurance for a hybrid cage

Postby JCGator » Fri Nov 13, 2015 8:47 am

Image

Maybe not experts on the airboat industry but they are experts at paying claims like these...
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Re: Airboat Insurance for a hybrid cage

Postby scrambletown » Fri Nov 13, 2015 11:00 am

is that burn you gator???????????
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Re: Airboat Insurance for a hybrid cage

Postby JCGator » Fri Nov 13, 2015 11:41 am

nope it was from another topic on here: Pancake vs full cage (burns)...

http://southernairboat.com/phpBB3/viewtopic.php?f=132&t=51467&hilit=exhaust+burn

although i think lawyers ruin a lot of good fun, i dont think the insurance company's are all that evil in this case. I'm sure they get tired of paying for crap like this that is completely preventable and you should be tired of paying increased premiums to cover a more expensive risk pool. Raise rates or reduce risk, they have a business to run.
Last edited by JCGator on Fri Nov 13, 2015 11:53 am, edited 1 time in total.
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Re: Airboat Insurance for a hybrid cage

Postby PhilDeez » Fri Nov 13, 2015 11:43 am

getitdone wrote:You could try the Seaworthy GEICO Program (P) 877-581-2628. I got a quote from them awhile back but stuck with markel. they were more expensive and picky also. I think I remember the engine can only be so much horsepower and the speed was an issue also or something like that.

Just got off the phone with them. They were quite a bit more $$$ but they are going to insure it. Thanks!


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