Geico Boat Insurance Reviews

This guy Steven P was a jerk. He would not allow my boat to be towed from my anchor spot to my marina without paying full price. I have maintained a gold membership but not for long now. Luckily I got the boat started. Fire that ** for ruining the reputation of a good operation.

They are terrible. Canceled my Policy almost a month after and they're not sending my refund money back to me. Every time I call they say something Completely different than the last person. Have Geico for car insurance, but the boat side sucks.

One of the worst insurance companies I ever had to deal with. Never put in a claim for my boat before. There is zero communication. All I've been doing is sending receipts and videos of the damage to my boat. The adjuster by the name of Fernando is the worst. I have jumped through hoops to settle this claim. It's been going on for two weeks warning do not buy boat insurance from GEICO Marine. I will not renew my policy after this. Everything is a depreciation value. What do these adjusters do all day. It's certainly isn't taken care of the customer.

This company is absolutely terrible. I struck a shoal with the bottom of my outboard. Have had Geico for several years for two different boats. Never filed a claim until this year. Hit rocks with my lower unit. Took all the pictures the adjusted wanted, and brought the boat to the repair shop. Upon tear down it was discovered that the bearing assembly got completely destroyed.

Our 2021 Seadoo jet ski sucked something up in the propeller and shut down. When my husband tried to start it back up it wouldn’t start. Then it took on water, and almost sank. We had to get towed back to the ramp. We took it to the shop and they said something had been sucked up and damaged the inside components and that the engine needed to be replaced because it took on water. We placed the claim with Geico Marine and they denied our claim, stating that “they had concluded their investigation and determined that it was a mechanical malfunction” and they are refusing to cover it. They said there was “no evidence” of an accident of something being sucked up…yet THEY NEVER EVEN HAD ANYONE COME LOOK AT IT!

Over a lifetime (I am 67) I made a few insurance claims. In most cases the process was not very positive, even frustrating. So with that in mind, I never thought I would give a glowing review to any insurance company. But Never Say Never! Here I am doing just that! GEICO Marine Insurance is such a positive surprise! Their treatment of my boat damaged prop shaft claim ($2000) was fair, super efficient and super fast! On a Thursday I reported a damaged shaft that needed replacement. They requested photos, repair work estimate, ownership, and I added a short video as well. The claim adjuster contacted me on a Monday, the money went into my account on the SAME DAY!! I was blown away. Thank You Geico!

GEICO is Deceptive about details of boat policy deductible. Never advised us or mention on the deck page of policy that the deductible is doubled or 5% (they choose the higher) when claim is due to a named storm. So they got us twice in a 11 month timeframe for $2600 deductible during Hurricane Ian (9/22) & Idalia (8/23). When we called recently with questions as our boat is just now done with repairs, we were surprised of this 5% deductible and asked why during a stressful time with a hurricane do they make it worse for the consumer. The response from a girl in her 20's was that's how your policy is written. Teach your secretaries some empathy skills GEICO! Moving on with my boat & auto insurance.

After I had a mechanical failure I called. Explained exactly what happened. They said the boatyard labor was covered 100% and parts were depreciated 80%. After stroking me along for weeks blowing most of our short summer window they inform me that nothing is covered since it was a mechanical failure. Do yourself a favor and stay away from these lying POS. They could have said it wasn’t covered on day 1 but neglected to do so.

This company is a mess. There is almost ZERO human contact. You have never seen a more automated mess of 10,000 ridiculous questions in your life. The bot is absolutely worthless. The hold times are 45 and 50 minutes. The people that called back (after I was hung up on AND 50 minutes later) "cannot find my policy". Hahaha. Don't make this mistake like I did. They are absolutely incompetent, and don't really seem to care. If you have ever seen the movie Idiocracy, this is the insurance company that they should have included in the script.

Do not make the mistake of choosing Geico Boat Insurance as your insurer. I’ve been lied to, misled and cheated. I buy a boat, get insurance within six months. The boat gets partially submerged from a repair that was done prior to me owning the boat that I didn’t even know about. I was literally told I was better off to let the boat sink than to save the boat by their adjuster. They would’ve just wrote me a check was what an adjuster and two managers have told me. Either way they take your money. When you have a true catastrophe they’re not there, I will be filing a complaint with the state of Florida. I wish I would’ve came to this site first and read the reviews. It’s pretty hard to get this low of a rating, but they earned it.

Make it easy to get a quote online and usually cheaper than other companies, Claim process is easy and paid quickly. The issue after spending thousands annually after the 1st claim they won’t renew your insurance.

Been a BOATUS customer since 1992. Had one claim in 2017 for $400. Experienced an issue with an engine and claimed wear and tear without a proper maintenance and visual review from adjuster, which by the way had no experience with anything boat related. Just another claim denier to help the company maintain a profit. Terrible service. I DO NOT RECOMMEND GETTING INSURANCE FROM THEM!!!

I had my boat motor stolen! I discovered they wanted me to do the role of their claim examiner! Unknown hidden coverage issues! Deflate "value 80%?". Then even having no deductible they are "deducting 500 dollars". There seems to be an opportunity for a class action here! Interested people please like!! So annoying I've been insured through West Marine since 1995?. I'd like to bill them my time working as their claim examiner!!

They kept taking an additional 200 from price agreed and kept raising and raising the price without notice because the law protects them when you set on auto-pay due to hidden print in contract. Be careful, go somewhere else. This is not a good business!!

They canceled my insurance coverage and never called me or sent a letter. No email. No nothing. I use their app and it said I was covered. I had proof of that, and they still refused to cover my claim. I had no idea my boat wasn’t covered at the time I took it out. I’m now canceling all of my Geico policies because of how I have been treated. They even tried to tell me they did send a letter saying my policy was canceled, but that was a complete lie. I never got any letter.

I bought a brand new boat in 2020. I added the boat as a brand new boat thinking the trailer was covered being that it was financed as a complete package. Little did I know they never added the trailer! Looking over the declaration page it shows trailer included but because there was not an amount, it actually was not included. It’s a good thing I found this out before something happened to the trailer. I got nothing but a runaround. I will be changing insurance companies and recommend for other people to go elsewhere where the employees can better assist you in understanding your policy before you pay for it.

First claim with Boat USA, Geico Marine, TERRIBLE customer service. The adjusters NEVER returned my calls. I never have a clue what is going on, they never inform me. I called many times, and only once did someone answer the phone and they were quite vague. After TWO MONTHS, they finally sent me an 'Estimate' of 'their' decision, which did NOT even address the route problem, and was for 1/3 of the actual costs for repair. It's now time to call my attorney. I can not believe the poor service and response I have received. I have been a customer of Geico for OVER 35 years. It's time to switch insurers.

If you are able to insure elsewhere, it would be a smart choice.

I am writing to express my disappointment and frustration with the service I received from Geico Marine. I have never been so dissatisfied with a company before, and I feel compelled to share my experience with others. I recently had to file a claim with Geico Marine, and the process was nothing short of a nightmare. From the very beginning, it was clear that the customer service representatives had no interest in helping me or resolving my issue. They were unresponsive, unhelpful, and at times, even rude.

DO NOT USE GEICO MARINE! Poor customer service. Danielle is rude and unprofessional. She needs to be retrained! You have to fight for months for payment for repairs. Not worth the savings. Keep looking.

Poor customer service. Filed a claim over 2 months ago and still waiting. Spoke with Tiffany. They are still pushing papers around. No answers only a bunch of I'm sorries. Well Im sorry I chose Geico marine for insurance

First, Geico raised my deductible because of a "named" storm. Pretty convenient knowing that the insurer will likely get screwed for a situation beyond their control. Secondly, I called to report damage to my boat after hurricane Ian. Geico sent a person who admittedly stated they knew nothing about boats. I explained, in detail, the damage. The adjuster only took photos and DID NOT write anything down. A few days went by and I called to check the status of my claim. I was told the damage barely met my deductible. How convenient! I requested to speak with the adjuster. I was provided with a name and number. This was a different person.... NOT the person who came to my house. I learned that the person who came to my house only submitted photos to another adjuster with NO explanation of the damage which would correspond with the photos.

Recently had damage to my boat. Was trailering it to our lake and hit a pothole in the street due to a lot of construction going on. It damaged one side wheel and had to replace hub, bearings, etc.. A week later putting the boat back in the water the bow eyelet had pulled out on the lower side due to the bouncing from the pothole a week earlier. Came home and used my borescope to take pictures over the front tank of the backside of the eyelet it had pulled through the fiberglass backing. Called Geico and the fun began. Told them what happened and the adjuster started asking for the old parts I replaced on the trailer and receipts. I told them I fixed that, had to to be able to move it. I don't keep old parts around. I throw them out and didn't discover this damage until a week later. They insisted on the receipts and all I had was extra parts new from the repair and the parts store doesn't keep records of parts they don't warrant.

I spoke with Alazia, she was beyond helpful/friendly/great attitude. She helped me get things figured out from beginning to end of the phone conversation. I needed to have something explained, she explained it, sent a document that was helpful and something that I needed to do.

After years of faithfully paying our high premiums with no claims, Geico decided to drop our insurance with no notice because we weren't written with them directly. Apparently they will not rewrite us nor any other boat being dropped because they've made a decision not to ensure boats over 30 years old regardless of their condition. I feel deceived and they should be made refund clients they know they stole money from!! They knew when we bought our policy they wouldn't renew and never disclosed it to us only to get another year's premium! Never will get a dime from us again, do yourself a favor and switch to an ethical company!