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TOPIC: Non-marine/Non-coverage?

Non-marine/Non-coverage? 2 months 2 weeks ago #134316

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Carla:

I recently counseled a client regarding non-marine (automotive) engine bolt-ons. I stated flatly that if there was a fire or explosion (almost always electrical in origin), an insurance company would not cover the damage. I was referring to automotive distributors, starters, alternators, carburetors and air filters. Am I correct in assuming that a fire claim would be denied for these safety infractions? If not, why not?

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Non-marine/Non-coverage? 2 months 1 week ago #134321

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No insurance answer, but using automotive parts in a marine environment usually voids the guarantee policy on that item. Starters, etc. my neighbor replaces his at least every season, lots of annoying down time, especially on holiday weekends when he discovers it. We've seen some annoying product failures from no name box store parts like primer bulbs and gas lines that the lining detaches and plugs stuff up.

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Non-marine/Non-coverage? 1 month 3 weeks ago #134540

Thank you for bringing this question to my attention today. I do not remember receiving notification of said question. Opposed to me "assuming" I know the correct answer, let me pull our marine claim's experts into the equation. Stay tuned and I will be back in touch.

Carla

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Non-marine/Non-coverage? 1 week 2 days ago #134994

So...the short answer is no, there would not be coverage. Per our claims division, we are not concerned if someone uses an auto part on the boat. The issue here is if a mechanical failure results in a fire, there would not be coverage.

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