Terms and Conditions

1. Service Contract Disclaimer

The protection plans described on this website are marine extended service contracts, not insurance policies. Coverage, terms, conditions, limitations, exclusions, deductibles, and eligibility requirements apply. All protection plans are subject to approval and are governed by the actual service contract issued by the plan administrator. Not all boats, engines, or components qualify for coverage.

2. Eligibility Requirements

Coverage eligibility is subject to review and approval. Factors including but not limited to vessel age, engine hours, condition, service history, inspection results, and vessel type may affect eligibility. Certain vessels may require a physical inspection before coverage is approved. Coverage is not guaranteed until a service contract is issued.

3. Claims Requirements

In the event of a mechanical breakdown, the contract holder must contact the claims department before any repair work begins. Authorization must be obtained prior to repairs. Failure to obtain prior authorization may result in denial of the claim. Repairs must be performed by a licensed marine repair facility. Payment is made according to the terms of the executed service contract.

4. Owner Maintenance Responsibilities

Contract holders are required to maintain their vessel in accordance with all manufacturer maintenance schedules and requirements. Maintenance records must be retained and may be requested at the time of a claim. For used vessels, engine oil and all filters must be serviced within 30 days of the contract effective date. Failure to maintain the vessel as required may affect coverage eligibility and claim approval.

5. Ineligible Vessels

Coverage is not available for racing or stunt vessels, salvage vessels, grey market or custom-modified boats, commercial vessels used for hire, water taxis, ferries, or vessels used for commercial fishing. Vessels over 55 feet in length may require special review and approval. Commercial-use coverage may be available when properly disclosed at time of application.

6. Website Information

Information provided on this website is for general educational purposes only and does not constitute a binding service contract, guarantee of coverage, or offer of insurance. Coverage details, pricing, and availability are subject to change. The actual service contract issued governs all coverage terms.

7. SMS Messaging Program

By providing your mobile phone number and checking the SMS consent box on our quote request forms, you consent to receive transactional and informational text messages from Boat Protection Experts (a DBA of Yacht Experts LLC) related to your protection plan quote request.

Program Name. Boat Protection Experts Quote Notifications.

Program Description. The Boat Protection Experts SMS program sends transactional Customer Care messages to consumers who have submitted a marine protection plan quote request through Boat Protection Experts. Messages from Boat Protection Experts include: (1) confirmation of your quote request submission, (2) follow-up questions to help Boat Protection Experts prepare your quote (such as your preferred coverage term), (3) recovery messages with a continuation link if you started but did not complete your quote request, (4) notifications when your Boat Protection Experts quote is ready for review, and (5) responses to your inquiries during Boat Protection Experts business hours of 9:00 AM to 8:00 PM Eastern Time.

Message Frequency. Boat Protection Experts message frequency varies based on your engagement. You can expect approximately 1 to 8 messages per quote request. Additional messages may be sent in response to your replies.

Message and Data Rates. Message and data rates may apply based on your mobile carrier plan. Boat Protection Experts does not charge for messages, but standard carrier charges from your wireless provider may apply.

Opting Out. You may opt out of receiving SMS messages from Boat Protection Experts at any time by replying STOP to any message you receive from us. After replying STOP, you will receive one final confirmation message and will not receive further SMS messages from this program. Replying STOP is free.

Help. For help or questions about the Boat Protection Experts SMS program, reply HELP to any message you receive from us, or contact us using the information below. Replying HELP is free.

Carriers Not Liable. Carriers (including but not limited to AT&T, T-Mobile, Verizon, Sprint, and U.S. Cellular) are not liable for delayed or undelivered messages.

Consent Not Required. Your consent to receive SMS messages from Boat Protection Experts is not required as a condition of purchasing any product or service from Boat Protection Experts.

Eligibility. This SMS program is available only to consumers in the United States who are 18 years of age or older. Consumers under 18 may not opt in.

Privacy. Your mobile phone number and SMS engagement data are handled in accordance with the Boat Protection Experts Privacy Policy at boatprotectionexperts.com/privacy-policy. Boat Protection Experts does not sell, rent, lease, or share your mobile phone number, SMS opt-in status, or SMS message content with third parties for their marketing or promotional purposes.

Contact. For SMS program questions or support, contact Boat Protection Experts at info@boatprotectionexperts.com.