Propulsion Plus Boat Coverage

Progressive - colorAs part of the IIANC PARTNERS program, our Presidential PARTNERS are able to submit a guest blog posting to our blog, Insurspective. Please see below from IIANC Presidential PARTNER Progressive.


Propulsion Plus is an optional coverage that pays to repair or replace the lower unit of an outboard motor, or the upper and lower units of a sterndrive motor, in the event of a mechanical breakdown.

We see many claims from customers who thought they’d hit a hidden submerged object, when in fact their drive shaft or pinion gear failed. These kinds of failures cause the boat to lurch and often produce a “metal on metal” sound—as if there had actually been a collision. While collision coverage will take care of that submerged object loss, only Propulsion Plus will provide coverage when there is no collision and covered parts simply fail. Normal wear and tear is covered – even on the propeller.

Customers can purchase Propulsion Plus for outboard and inboard/outboard boats that are no more than 10 years old and keep the coverage until the boat turns 21 years old. We determine the premium by the age of the boat at the time the coverage is first purchased—the newer the boat, the lower the annual premium for the life of the policy.

For more information about Propulsion Plus and other specialized boat coverages from Progressive, visit

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