Category: Boat/Watercraft Insurance

If you own a boat in Neptune, NJ, understanding the details of your insurance policy will save you from significant trouble and inconveniences. You will also appreciate the professional advice and services that dirus & Sons LLC offers in the region. Learn all the exclusions and inclusions of your insurance coverage before you cruise the ocean for your trip. Review the following guidelines to be in the know zone.  

Does My Boat Insurance Recognize Another Driver Besides Me?

Your boat insurance cover operates like auto insurance, which protects the driver you have listed. That way, it does not cover any other operator besides the one listed. It is, therefore, advisable to avoid inviting guest operators to your boat unless you are ready to take responsibility for any eventuality. Your insurer will not compensate for any damage or injuries if an accident happens when another driver is riding the vessel. However, the insurance does not restrict you from sharing your boat, but liability is your potion.

How Will My Boat Insurance Treat Another Operator?

Owning a boat invites the urge to spend more time in the ocean. With boat insurance, you can cruise in confidence. The insurance is there to compensate for losses you may incur if an accident involving your boat happens. Understanding that insurance only covers the policyholder is incredible. 

Your insurer will want to have the details of the designated driver to your boat when buying your insurance. If you own the boat with another person, it is prudent to list them as covered drivers. That way, you don’t have to worry when any of the people listed on the policy operates the boat. 

If an accident happens, your insurer will not have any issue compensating for your losses, as long as the driver is among the covered ones. It is wise to include your relatives and a few friends who may use your boat in the future. Do not lend your vessel to any unlicensed operator, lest you lose on compensation.

Talk to dirus & Sons today for your insurance services in Neptune, NJ.

In the Neptune, NJ area, residents are going to have access to plenty of local amenities. The proximity to local rivers, lakes, and other waterways can make it a great place to live if you enjoy being out on the water. Those that are here should think about getting their own boat in these situations. There are a few different reasons that people here should invest in a full boat insurance policy. 

Insurance Protects Boat

A reason that many people here should get boat insurance is that it can protect your boat. With a boat, you will have made a big investment that you need to protect as well as possible. If you get a boat insurance plan, it will give coverage to repair or replace your boat. This can include giving protection if your boat is stolen, damaged in an accident, or you incur another type of loss.

Insurance Gives Liability Protection

It would be best if you also considered getting boat insurance to take advantage of the liability protection. A boat owner will be taking on liability risk regularly. If you make a mistake that results in an accident, you will have to pay for the damages. In some cases, the damages can be significant, making the boat insurance policy a good investment as it will offset this risk through the liability protection you will receive. 

As you are looking for coverage for your boat in the Neptune, NJ area, you should call the team at Dirus & Sons. Picking insurance for your boat is vital, and Dirus & Sons can make it easier for you. When you call our team, we will carefully assess your situation and explain your options. Based on this, you will have an easier time picking the right policy to meet your needs.