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Eligible craft include new boats, yachts and personal watercraft (personal jet boats, jet skis, and wet bikes) which have at least one year manufacturer's warranty and are 11 months or less from the original manufacturer's warranty start date. Watercraft up to two model years old are considered "new" if they are leftover sales, have never been put in the water and are 11 months or less from the original manufacturer's warranty start date.

Boats and yachts that are powered by inboard/outboard (stern drives) and inboards with up to twin 420 horsepower are eligible as are boats and yachts powered by outboard motors up to twin 225 horsepower.

Ineligible Risks

  • Boats, yachts and personal watercraft used commercially or for racing or for any use other than private passenger pleasure boating.
  • Boats, yachts and personal watercraft with less than a one-year manufacturer's warranty or that are more than 11 months from the original manufacturer's warranty start date (if the original manufacturer's warranty is for 1 year) or more than 23 months from the original manufacturer's warranty start date (if the original manufacturer's warranty is for 2 years).
  • Any high performance watercraft regardless of factory warranty.
  • Boats, yachts and personal watercraft with alterations or modifications not suggested by the manufacturer.
  • Outboard motors not factory or dealer installed.

Coverage Provided

NAVIGUARD Mechanical Breakdown Insurance provides comprehensive coverage for the insured boat, yacht or personal watercraft's engine, transmission, V Drive, jet drive, power trim/tilt, controls, lubricating system, drive line system, jet pump, electrical, fuel system, cooling system, stern drive units, outboard lower units and steering.

Specifications

Coverage
Pays the usual and fair charges for parts and labor on covered repairs and covered components due to a mechanical failure and/or breakdown on an insured boat, yacht, or personal watercraft. *

Learn more...

Ask us about our "optional" package coverages!

Pick-up, Delivery and Towing Coverage
A pick-up and delivery allowance is provided to insured personal watercraft up to a maximum of $50. A towing allowance is provided to boats and yachts up to $150 per occurrence. *

Hoist/Haul-Out Coverage
A hoist/haul-out allowance up to a $150 maximum is automatically included for boats and yachts. *

Blocking Fees Coverage
An allowance of $1.00 per foot of the watercraft's hull length up to a maximum of $50 is automatically included for boats and yachts. *

Transferability

  • The NAVIGUARD Mechanical Breakdown Insurance stand-alone policy for boats and yachts is transferable to a second retail purchaser for the remaining policy term ---thus enhancing the insured boat's or yacht's resale value. *
     
  • The NAVIGUARD Endorsement attached to an Old United/Vantage Casualty Company's Hull and Watercraft Liability/Protection and Indemnity insurance policy may be transferred ---solely at the Company's discretion. *
     
  • The NAVIGUARD Mechanical Breakdown Insurance stand-alone policy for personal watercraft is non-transferable. *
     

Cancellation
Any NAVIGUARD Mechanical Breakdown Insurance stand-alone policy or endorsement may be cancelled by the insured at any time with a pro-rata return premium (less a nominal $25 cancellation processing fee) paid to the insured. *

Deductibles
The $25 deductible "per repair visit" for mechanical breakdowns does not apply to pick-up/delivery, towing, hoist/haulout or blocking fee coverage.

Optional Packages
For added protection, numerous optional packages are available; however, they must be purchased at the time of the original application and cannot be purchased separately. Sample packages include:

  1. Trailers
  2. Pro Fishing Package
  3. Sport Package
  4. Cruiser Package
  5. Auxiliary Generator

Terms

NAVIGUARD plans that are purchased separately from boat, yacht, or personal watercraft hull and P & I insurance policies are for three or five year terms (three years on personal watercraft only).

NAVIGUARD plans that are purchased in conjunction with Old United Casualty's boat or yacht hull and P & I policies are for a one-year term with a two and four year renewable option. The renewable option choice must be indicated at the time of application.

* Please see actual policy for a complete list of covered components, limitations and exclusions.