Mechanical Breakdown

Mechanical Breakdown Coverage is an optional coverage that pays to repair or replace the lower unit of an outboard motor, or the upper and lower units of a stern drive motor in the event of a mechanical breakdown. It does not cover any of the internal components of the engine itself.

Mechanical Breakdown Coverage is offered to boats equal to 10 years old or less, with an outboard or sterndrive motor.

Pricing is based on the age of the boat at the time the coverage is purchased. It increases over time as the boat ages and the risk of mechanical breakdown increases.

This endorsement must be in effect for 30 days before a mechanical breakdown loss will be covered. Any loss that occurs less than 30 days from the date the coverage starts, or any pre-existing condition, would not be covered.

Yes, the Mechanical Breakdown Coverage is only $250 per outboard or outdrive unit. If both outdrives or outboard lower units fail due to a mechanical breakdown, then the deductible is $250 for each unit.

Yes, this endorsement does provide coverage for wear and tear and mechanical breakdown for the parts specifically listed (see Mechanical Breakdown Coverage). It does not cover gradual diminishing performance of the unit. The loss must be sudden.

Wear and tear - deterioration that results from ordinary use over the course of time and the part suddenly ceases to function. For example, the teeth wear off of the prop shaft on an outboard motor and the propeller no longer turns. This is covered by Mechanical Breakdown Coverage.

Diminishing performance - a decline in the level of output of a certain part resulting in ineffective operation of the part. For example: If your propeller has an intermittent hesitation due to the prop shaft teeth starting to wear and causes vibrations affecting the efficiency and smoothness of the ride. The cost to have the prop shaft replaced at this time would not be covered under this endorsement. The propeller must fail to turn completely for the Mechanical Breakdown Coverage to take effect.

Any repair facility of your choice can perform repairs.

Yes, if a claim is paid you will forfeit your 10% no loss credit until you remain claims free for one policy period. This also applies to the diminishing deductible. If a claim is paid then the deductible will return to the deductible listed on the Declarations page of your first policy period with us, without regard to any diminishment.

No. Mechanical Breakdown Coverage is only available as an endorsement for the Agreed Hull Value (AHV) policy. Interested in adding the Mechanical Breakdown endorsement to your AHV policy? Call 800-283-2883.

All manufacturer's required maintenance must be made on the outdrive or outboard lower unit or this coverage doesn't apply.