With most insurance there is a reasonable pro-rate policy when you switch insurance companies or after you sell the insured boat for example. Geico pointed me to Sea-Safe for insurance they could not provide. Sea-Safe is really Sullivan & Strauss Agency from Lake Success NY. They operate and SkiSafe.com or Sea-Safe. They are underwritten by AXIS Reinsurance.
Before considering buying insurance from these people at Geico's recommendation, do your homework. Sullivan & Strauss / SkiSafe.com have a thing called "Minimum Earned Premium" that is essentially 75% of the year's policy, even if you switch companies 2 months later.
Versus taking Geico's recommendation to use SkiSafe.com / Sullivan & Strauss, you will find that a little boat insurance shopping with another company / agent will essentially get the same coverage for the equivalent cost of their "Minimum Earned Premium". AND, you will be dealing with a company that has a honest pro-rate rule vs. What I found while switching to State Farm.
If this is how SkiSafe / Sullivan & Strauss / AXIS treats you when simply switching policies, I can only imagine what it would be like if you had to file an actual claim. Do yourself a favor, shop with a reputable insurance company.
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