Insurance question regarding bigger motor

[Lundexp]

Here is my situation. I have a 2002 Lund Explorer 1800 SS with a Yamaha F80. I want to put on a bigger motor. Since there is only the F115 and F150, I would like to put on a F150. Hence my problem, my boat is only rated for 140hp which is ridiculous as the next year is rated for 150hp. Is there any way I could still get it insured with just a mere ten horse over capacity? My insurance guy wouldn't go for it, then again he doesn't know anything about boats and thought I had too big of a motor already. Any thoughts would be appreciated. Thanks

[Hot Runr Guy]

would you even consider a Suzuki DF-140?
http://www.suzukimarine.com/sr_09/df140-115-100/
HRG

[Insurancepro]

would you even consider a Suzuki DF-140?
http://www.suzukimarine.com/sr_09/df140-115-100/
HRG

I would strongly recommend not exceding the horse power rating on your boat. It could delete the manufactures warrantee on your boat. In addition you would have issues in the event of a insurance claim. I would suggest you contact Lund and see if they would be willing to change the rating. If they did change it the following year. I hope this helps. Thanks Bob Luellen 800-339-1235

[Lundexp]

Thanks Bob, yes that helps. I had a feeling you would say that as the insurance claim thing is what I was worried about. Thanks again.
Yes HRG i'm looking at the suzuki 140 too. Just would like to stay yamaha if possible but may be my only option if I can't get Lund to change the rating.

[lund rebel]

Thanks Bob, yes that helps. I had a feeling you would say that as the insurance claim thing is what I was worried about. Thanks again.
Yes HRG i'm looking at the suzuki 140 too. Just would like to stay yamaha if possible but may be my only option if I can't get Lund to change the rating.
It isn't lunds that rate the boats h.p., it is the coast guard,
I believe how it works is the specks of the boat is sent in to the coast guard for rating on each new model year,

[mr ducks]

I would be curious what exclusion would apply to remove or restrict coverage if someone would do this! I really do not see it as an issue of insurance--safety certainly but reason to deny a claim doubtful!

[Insurancepro]

Mr Ducks, I have a responsability to my carriers to represent them ethiclly and morally. I would never insure a boat knowing that it may not be safe. Boat manufactures as well as the Coast guard put these standards in place to protect us. If you had a claim and a guest on your boat is injured or killed. I would not be surprised if you had issues with the insurance company. I want to keep our rates affordable to make sure we all can afford to enjoy the sport we all love. It is just not worth the risk to go 5 miles an hour faster. Thanks Bob