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What Insurance is Required?

Have an insurance-related question? Our Chris-Craft Antique Boat Club Gold Sponsor, Hagerty Insurance, is eager to help clear the waters.

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Riviera Wish
Posts: 211
Joined: Sat Mar 19, 2011 8:58 pm

What Insurance is Required?

Post by Riviera Wish » Sat Jan 27, 2018 9:32 pm

I am relatively new to the boating world. Have just about completed restoration of a 1952 Riviera and I am wondering what insurance is required for the tow vehicle / car (if any in addition to normal policy), trailer, and boat. Ituitively it seems that an insurance company is taking on more risk if a car (or truck) is towing a trailer. Is there an additional cost? How about the trailer, is that insured separately from the car and boat?
Thanks in advance for any insight.

Captain Nemo
Posts: 576
Joined: Tue Jul 07, 2009 7:40 pm
Location: Lyons, NY

Re: What Insurance is Required?

Post by Captain Nemo » Sat Jan 27, 2018 10:15 pm

As far as I know, when towing your auto policy covers liability. Your boat policy covers physical loss of the boat and trailer. Depending on how your policy is written. Check w/ your agent.
Boats are to be made of wood, otherwise, God would have grown fiberglass trees.

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JimF
Club Executive Team
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Joined: Mon Nov 14, 2005 10:48 am
Location: Austin, TX

Re: What Insurance is Required?

Post by JimF » Sun Jan 28, 2018 9:19 am

If you have Hagerty insurance, the trailer is insured seperately from the boat.
1930 Chris-Craft Model 100 20' "MOXIE"
1935 Chris-Craft Deluxe Utility 18' "ALICE K II"
1938 Old Town canoe
1940 Chris-Craft Red and White 25' "Old Paint"
1942 Chris-Craft Deluxe Utility 18' "Blue Moon II"
1946 Chris-Craft Sportsman 25' "CinCity"

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mbigpops
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Joined: Tue Feb 16, 2010 9:18 am
Location: Eastern Massachusetts

Re: What Insurance is Required?

Post by mbigpops » Mon Jan 29, 2018 8:27 am

Call you auto insurance company and find out what they cover first.

Mine added my trailer to the policy at no cost.

Mark
1953 CC Rocket Runabout "Rocket Man"

Riviera Wish
Posts: 211
Joined: Sat Mar 19, 2011 8:58 pm

Re: What Insurance is Required?

Post by Riviera Wish » Mon Feb 19, 2018 9:13 pm

Thanks everyone. That gives me some initial clarity. I'll find out what my normal auto insurance covers and add on from there.

cgernhofer
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Joined: Sun Mar 02, 2008 3:14 pm
Location: Traverse City, MI
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Re: What Insurance is Required?

Post by cgernhofer » Thu May 31, 2018 8:11 am

Yes, Captain Nemo is on point with his response! Should you wish to discuss further, please reach out to our marine team at 800-762-2628. Hoping you are allowing Hagerty the privilege of protecting the insurance needs for your classic boat! Thank you.
Carla Gernhofer
Vice President, Hagerty Classic Marine Insurance Agency, LLC

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