Boats on Used Victoria and Other Areas

It came for sale in Osoyoos end of the summer under 20k. Had a buddy go look as I was still at the Cove. Has a big DIY hull repair and needs ALOT of wiring cleanup.
 

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Liable if it’s a consignment sale?
I’m no expert but I expect there would be a reasonable expectation that a dealer would either fix or refuse to consign a boat with obvious deficiencies. Car dealers have explicit regulations but I would guess there is a lot of common law precedents? It’s not like a dealer won’t look at batteries when selling a boat over the winter. Couple bus bars, fuses and some battery boxes would fix it up but if that’s what’s visible what isn’t?

I’ve redone the electrical on one boat and paid for two. With dealerships at $150 an hour and up for labour it will add up quick.
 
Dolphin insurance has been amazing very happy with the price and service super friendly and easy to deal with I looked at quite a few they were the best by far.
They are the company that jacked my rate after I had the survey done. Then tried to make me pay extra for the previous year. Crazy.
 
They are the company that jacked my rate after I had the survey done. Then tried to make me pay extra for the previous year. Crazy.
That’s crazy sorry to hear that so far they’ve been great to me lower rates then most of the places I inquired to with the same coverage. Will report back when I have to renew in may!
 
Dolphin isn't the underwriter, they're the broker. Sometimes based on claim history, you won't have a lot options in who will actually insure you.
 
Dolphin isn't the underwriter, they're the broker. Sometimes based on claim history, you won't have a lot options in who will actually insure you.
Exactly! I’ve dealt with Dolphin many times and they are service oriented. The Underwriters set the prices and the brokers get a commission
 
Dolphin isn't the underwriter, they're the broker. Sometimes based on claim history, you won't have a lot options in who will actually insure you.
I've never had a claim.
Dolphin isn't the underwriter, they're the broker. Sometimes based on claim history, you won't have a lot options in who will actually insure you.
I've never had a claim. They quoted me $1,800.00 for the first year which I paid. They asked that I get a survey for the next year. I sent them the survey info. They increased my rate to $3,400.00 and asked that I pay a top up for the year already passed. Ridiculous.
 
I've never had a claim.
I've never had a claim. They quoted me $1,800.00 for the first year which I paid. They asked that I get a survey for the next year. I sent them the survey info. They increased my rate to $3,400.00 and asked that I pay a top up for the year already passed. Ridiculous.
Was there something that changed or was undisclosed originally? There's no way they just arbitrarily came up with that.
 
From what I understand there are only a few underwriters for marine insurance.
one more off topic comment: It then depends on who your broker is and how they will go to bat for you if the underwriter is being difficult. Some swear by their broker from past claims where they pushed as much as they could to get the best outcome.
 
one more off topic comment: It then depends on who your broker is and how they will go to bat for you if the underwriter is being difficult. Some swear by their broker from past claims where they pushed as much as they could to get the best outcome.
Yeah, I went from a boat marine specialist to a great insurance agent who got me the coverage I wanted. She was a referral from my realestate agent neighbour, shifty but thrifty!
 
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