Insurance and a larger motor??
#1
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I see guy's on here all the time adding a "few" HP to their motor. Not a new motor, maybe just a few HP picked up in some better parts in a rebuild, etc...
How does this affect the insurance if it was previously a bone-stock build? I'm talking maybe a cam change, or a carb change, minor things. Maybe only affects the top speed by a few mph than what was stated in the declaration, maybe doesn't even raise it. But the HP rating is higher if dynoed?
I'm not talking about a 600+HP monster, I'm talking about smaller HP with mild increases - think of a 370 bumped up to 420, or a 330 bumped to 380 with internals, and modest externals (carb, intake, exhaust...)
What's the take on this??
How does this affect the insurance if it was previously a bone-stock build? I'm talking maybe a cam change, or a carb change, minor things. Maybe only affects the top speed by a few mph than what was stated in the declaration, maybe doesn't even raise it. But the HP rating is higher if dynoed?
I'm not talking about a 600+HP monster, I'm talking about smaller HP with mild increases - think of a 370 bumped up to 420, or a 330 bumped to 380 with internals, and modest externals (carb, intake, exhaust...)
What's the take on this??
#2
21 and 42 footers
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Alot of insurance companies have a 500HP limit or a 75 mph limit......neither of your senarios are likely to affect those limits. If we're talking something that changes top end 2-4 mph I don't it would matter. (what's the difference in hitting something at 63 vs. 67???)
#4
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That's what I'm thinking too. I guess my question is "how far will the ins. Co. go to get out of paying a claim?"
We all know, so little as changing a prop can change a top speed, and minor motor enhancements can change HP, but to what enth degree is the insurance Co. going to investigate in the event of a claim, and upon investigation, how much of a tolerance/variance level acceptable? When I signed a policy, I was asked to state a HP, and top speed. The HP is the stock rating, and the MAX speed - I don't know, I've yet to run the boat - estimate 65.
How will that hold up??
We all know, so little as changing a prop can change a top speed, and minor motor enhancements can change HP, but to what enth degree is the insurance Co. going to investigate in the event of a claim, and upon investigation, how much of a tolerance/variance level acceptable? When I signed a policy, I was asked to state a HP, and top speed. The HP is the stock rating, and the MAX speed - I don't know, I've yet to run the boat - estimate 65.
How will that hold up??