MonacoMike
Well-Known Member
- Sep 15, 2009
- 14,721
- Boat Info
- 2000 Cruisers 3870
8.2 Mercs
- Engines
- 85 Sea Ray Monaco 197
260hp Alpha 1
Well with plenty of that you won't care you don't have peace of mind...
MM
MM
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I've got towing coverage on water and off. My 420DA does a pinch over 2 miles every year on a state hwy.Maybe I have "bought in" the marketing but insurance coverage is in no way as convenient and has no trailering coverage.
MM
This isn't spare parts but don't forget some rescue tape and plugs....gotta stay afloat until they come to get you.
I haven't looked at my policy yet, TowBoatUS says I am covered on any boat I am on or own including my open bow Monaco and my multiple inflatables.
MM
This has kind of morphed into a towing discussion, but here are some points re: towing.......It seems everyone posting has TowBoat/US towing coverage. Before clicking that "add towing coverage box" be sure TowBoat/US has boats convenient to your area. I am in a hugely popular boating area and Boat/US has one boat stationed way up the ICW where slips are cheap.......SeaTow has 4 boats of various sizes stationed at 3 of the most popiular marinas in the area. Guess who is going to have the quickest and best response. So, consider the towing companies' coverage ability when you select a towing service.
If the towing company sees or if you admit that your boat or anyone onboard is in danger of serious damage or injury or if the tower declares your boat "hard aground", the situation quickly changes from a towing claim where charges are based on time to a salvage claim where charges based on an arbitrary % of your boats value claimed by the towing operator. When the bill for salvage arrives, you and your insurance company then negotiate the salvage claim and you are liable up to the amount of your insurance deductible instead of a simple $200-300 charge for a tow, most of which is usually included in t hoe towing contract.
I would rather have let my insurance carrier handle the tow because the tow operator knows he will have to deal with a professional insurance adjuster anyway.
And, here is a point to remember: Do not let a tow boat operator move your boat until you and he agree on whether yours is a salvage claim or a tow claim. Most want to claim salvage if they do anything other than drive up and put a line on your boat and tow you home. The truth of the matter is that most boats that are aground can be refloated fairly easily with a bit of effort and some common sense. When a tow operator arrives at your boat, whether he was called or just saw you and drove up, DO NOT let them put a line on your boat. If you want to hold the towboat close by so you can communicate with the tow operator, then hold the line in your hand until you get the tow or salvage question satisfactorily answered because once he ties up to a cleat, bow eye, etc., he has taken constructive control of your boat and the tow or salvage decision is in his hands, not yours.
I always carry plenty of replacement bulbs.
Not quite a spare, but don't forget a comprehensive first aid kit.
MM
Yep, and don't forget a bottle of pain killer
Ok all playing aside, I always keep fuel money, enough of 70gal. Cards don't always work and I don't carry checks.
2) spare belts
3) spare plugs and wires, just two of them
4) one pickup, cap,and rotor. I also have a spare ICM.
5) one spare heat exchanger cap
6) one spare fuel cap
7) one roll of a good strong 3" tape, for busted hose
And last, a complete tool set to change any of the above