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.