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Agreed Value Policy vs Actual Cash Value Policy on Boat insurance

When it boils down to picking between an Agreed Value Policy or an Actual Cash.
Value Policy for their boats, people are often left feeling confused. Both these insurance coverages are extremely different and come with their own set of advantages and disadvantages. Listed below are their differences to help you choose the most suitable policy for your boat.

Agreed Value Policy
This kind of a policy covers your boat in an event of a loss for the value agreed upon while buying the policy. If you need to claim only a partial loss, you will be paid on a “new for old” basis. Note that this does not cover all types of accidents and repairs. Hence, this is something you must discuss in detail with your insurance provider while making a claim. A lot of people prefer an Agreed Value Policy as they are aware beforehand as to how much cover they will receive, should something happen to their boat. Additionally, they can get back the total value of the boat when their claim is approved. The application process for an Agreed Value Policy is fairly simple and although it is more expensive in comparison, it offers more coverage.

Actual Cash Value Policy
Actual Cash Value Policy is quite different from an Agreed Value Policy in the sense that all the property losses covered are subject to depreciation. In simple terms, the boat owner receives only the value of the boat at the time it was lost, stolen or damaged. Since many variables such as depreciation, damage, and wear and tear are taken into consideration, chances are that you will get back very less in comparison to what you would receive with an Agreed Value Policy. However, a lot of people prefer this coverage as it is more affordable in comparison. Additionally, the claim process tends to be far easier and quicker.
It is always advised that you compare both the policies extensively before purchasing. You know what you need best.

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