Custom/Hybrid dropped by insurance company for your custom ski

[SpaceCowboy]

I am about to take delivery of my new hull and I have an agent that swears I will be covered. They quoted me with a Progressive policy. I swear there has been a few guys dropped. If you have been or have a similar story let me know. I would like to get a case # for an example.

Thanks!

 

[Draggingto]

I dont know about dropped. But i know that there is a guy on here that progressive DID cover his KDX when it was damaged.

 

[SpaceCowboy]

Yea I may have to talk a few levels up


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[Draggingto]

This was the thread.

http://www.x-h2o.com/index.php?threads/kdx-hull-cracked-the-panty-dropper.162282/

 

[sneds]

I had my skis insured with State Farm and when they found out I had modded my sxr, they wouldn't cover me. They only cover 100% stock skis. After being with them for 20 years, I was forced to find another insurance company.

 

[SpaceCowboy]

I had my skis insured with State Farm and when they found out I had modded my sxr, they wouldn't cover me. They only cover 100% stock skis. After being with them for 20 years, I was forced to find another insurance company.

Who are you with now?


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[Byeai]

The kdx was covered but the dvx won't be progressive says it was a fluke

 

[sneds]

I'm with Mcafee Insurance. I think they are a local company (Ontario, Canada).

 

[rwilliamtaylor]

Go to this thread

http://www.x-h2o.com/index.php?threads/How-do-you-insure-your-AM-hull-build.132143/

Stacy at The Wake Zone insures my Bob Gen 3 and is a pro at insuring high performance watercraft.

She is also on the X... You'll find her in the thread.

@wakezoneINS




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[SpaceCowboy]

Go to this thread

http://www.x-h2o.com/index.php?threads/How-do-you-insure-your-AM-hull-build.132143/

Stacy at The Wake Zone insures my Bob Gen 3 and is a pro at insuring high performance watercraft.

She is also on the X... You'll find her in the thread.

@wakezoneINS




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Correct but there are a motor exclusions that seem shady.


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[rubbertoe]

Really ? i have insured .but for me it was for the benefit of others ,theft ,injury ,ect just in case for instants a ski gets away from a rider at speed or malfunction and god forbid hurts someone . not so sure how a claim for a stunt riding freestyle hull will work out .sure they might write a policy for it ,but a claim for a freestyle mishap imo your riding a fine line of fraud .but hey more power to you if your from the mind set thinking that sinking your ski in some trick attempt should be covered .im sure most of the guys in all sports that try to fly or backflip something are covered right ?

 

[SpaceCowboy]

Really ? i have insured .but for me it was for the benefit of others ,theft ,injury ,ect just in case for instants a ski gets away from a rider at speed or malfunction and god forbid hurts someone . not so sure how a claim for a stunt riding freestyle hull will work out .sure they will write a policy for it ,but a claim not so sure .but hey more power to you if your from the mind set thinking that sinking your ski in some trick attempt should be covered .im sure most of the guys in all sports that try to backflip something are covered right ?

Well the real interesting thing will be if a company pays out...


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[rubbertoe]

Well the real interesting thing will be if a company pays out...


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Space this is not really directed specifically at your thread .but i think there are some out there that believe that this is an acceptable agreement between parties ?

 

[rubbertoe]

I think having the insurance is a great idea ,sure . But for Theft ,injury ,collision ,liability .not for like my hood came off and my ski sank . haven't heard of many claims or what insurance company in there right mind would cover this .and would love to see the verbiage on such a policy

 

[chadman154]

Just got my wakezone policy paperwork in mail today for DVX, super easy to work with stacy!!!!

progressive insured my freak, but wouldnt touch my DVX, I called around, no one wanted to insure it.

 

[SpaceCowboy]

I think having the insurance is a great idea ,sure . But for Theft ,injury ,collision ,liability .not for like my hood came off and my ski sank . haven't heard of many claims or what insurance company in there right mind would cover this .and would love to see the verbiage on such a policy

I'm getting in contact with an underwriter. I'm not worried about hood.


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[Jetfiend]

I think having the insurance is a great idea ,sure . But for Theft ,injury ,collision ,liability .not for like my hood came off and my ski sank . haven't heard of many claims or what insurance company in there right mind would cover this .and would love to see the verbiage on such a policy

Years ago I lost a ski out in the surf and it got smashed on the rocks, Progressive covered it 100%
The way I see it is if someone takes my money and offers a policy, they are covering my investment regardless of HOW the loss happens. If they don't, what's the use?

 

[SpaceCowboy]

Years ago I lost a ski out in the surf and it got smashed on the rocks, Progressive covered it 100%
The way I see it is if someone takes my money and offers a policy, they are covering my investment regardless of HOW the loss happens. If they don't, what's the use?

This is what I'm worried about stuff like that. Thanks for sharing. So progressive does pay out.


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[rubbertoe]

Hey im not saying its not possible ,but it sounds like a fine line to me .your talking about a stock ski correct ?

 

[Jetfiend]

Hey im not saying its not possible ,but it sounds like a fine line to me .your talking about a stock ski correct ?

Good point Rubberchicken, I smashed an OEM ski, so maybe our "homebuilt" skis leave more room for these companies to deny a claim?