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There was a recent thread about insurance covering engine damage. I have a few questions about what your marine insurance might cover:
1. If you do not winterize your engine, or maybe you use it year round, and your block freezes- will insurance pay?
2. Say you forget to check oil level and you only have a oil pressure gauge- miss seeing the low pressure and engine siezes- will insurance pay?
3. Your engine your water pump fails and you only have a temp gauge that you fail to notice is overheating, the engine warps a head- will your insurance pay?
4. Your sea water cooled engine fails due to plugged cooling passages- will your insurace pay?
I do not think auto insurace would cover the above (but maybe I am wrong), and it seems many marine policies would cover items 1-3 above (again maybe I am wrong). So if marine policies do cover and not auto, why the differece? And it seems if you want a new $15k engine for your boat, you would just abuse it and get insurance to cover.
Would be interested in any real life occurances.
1. If you do not winterize your engine, or maybe you use it year round, and your block freezes- will insurance pay?
2. Say you forget to check oil level and you only have a oil pressure gauge- miss seeing the low pressure and engine siezes- will insurance pay?
3. Your engine your water pump fails and you only have a temp gauge that you fail to notice is overheating, the engine warps a head- will your insurance pay?
4. Your sea water cooled engine fails due to plugged cooling passages- will your insurace pay?
I do not think auto insurace would cover the above (but maybe I am wrong), and it seems many marine policies would cover items 1-3 above (again maybe I am wrong). So if marine policies do cover and not auto, why the differece? And it seems if you want a new $15k engine for your boat, you would just abuse it and get insurance to cover.
Would be interested in any real life occurances.