Protection Plan FAQ


What are marine protection plans?

Marine protection plans offer you protection against the high cost of repairs in the case of a mechanical breakdown. These plans complement a manufacturer’s warranty program.

Do I need a marine protection plan?

Do you plan on keeping your watercraft past the expiration of your manufacturer’s warranty? If so, you may want to consider a marine protection plan. Unexpected repair costs may occur, along with the possibility you may lose the use of your watercraft for some time. A marine protection plan offered by your dealer gives you peace of mind and protection in the event of an unexpected mechanical failure.

What is covered under a marine protection plan?

Your coverage depends on the plan you buy. In general, most of the mechanical, electrical and electronic components of your watercraft are eligible for coverage. Depending on the plan, your coverage may include the following: Parts and labor for the engine, transmission, V-drive, stern drive upper and lower unit, fuel delivery, electrical, ignition, controls, steering, power trim and intermediate housing.

What other benefits* do I receive with a protection plan?

Depending on the coverage you choose, additional benefits may include:

  • Reimbursement for towing to the nearest qualified repair facility
  • Reimbursement for hoist-lift-out at a qualified repair facility
  • Up to $1500 of additional benefits when the marine service agreement is purchased at the time of watercraft purchase; benefits include valuable coupons that can be applied to your deductible, towing charges, roadside assistance and much more
  • Renewal options to extend the original coverage if desired
  • Transfer of benefits if you sell your watercraft while the service contract is still active

*All plan benefits are subject to maximum reimbursement limits, may not be available in all states and may be different for each watercraft protection plan. Please see your service contract for all details.

How much do marine protection plans cost?

Your cost will vary based on many factors, including the type of watercraft you are purchasing and the plan you select. We will review all of the options at the dealership.

Can I finance my marine protection plan with the purchase of my watercraft?

Absolutely! For your convenience, your protection plan may be financed along with the purchase of your watercraft. Ask the dealership’s finance manager for more information.

Can I purchase a protection plan for a new or used watercraft?

Yes, protection is available for a new or used watercraft. Once you decide on the specific watercraft that you will purchase, your dealer will show you a plan that is right for you.

Do I have to take my watercraft to a certain center for repairs?

Your marine protection plan is honored at most factory authorized repair centers in the continental United States and Canada.

What if I sell my watercraft—can I transfer my marine protection plan?

Yes, your plan is transferable. Your dealer will provide information about how a transfer in a private party sale works. A transfer fee of no more than $100 will apply.

Who is the company that administers or financially backs my marine protection plan?

Your marine protection plan is insured and backed by Protective Life, a financial services company headquartered in Birmingham, AL. Protective works closely with the dealership to ensure that the watercraft you buy is covered by a marine protection plan that meets your needs. In the event you need to file a claim, your repair facility will deal directly with Protective. Protective Life is a publicly traded company on the NYSE under the ticket symbol “PL,” and its products are backed by an insurance company rating of A- or better by A.M. Best.

What about companies selling marine protection plans on the Internet?

We do not actively promote watercraft service contract companies on the Internet. Just as with any purchase decision, you should make sure that you are dealing with a reputable company that will stand behind the products it sells. Our dealership is knowledgeable in marine protection plans and can explain to you all the important points that ensure you are buying a quality product from a reputable company.