A boat wrap can be a significant investment, sometimes thousands of dollars. Many owners never think to tell their insurer about it. Doing so can matter if the wrap is damaged in a covered event or if there's a question about the boat's value.
Why tell your insurer#
- The wrap may add value to the boat that your policy should reflect
- Damage to the wrap may be covered under some policies
- Undisclosed modifications can sometimes complicate claims
Policies vary widely, so the most important step is simply asking your insurer how they treat wraps.
What to share#
- The cost of the wrap, with the invoice
- The installation date and installer details
- The film and laminate products used
- Photos of the boat before and after wrapping
Claims after damage#
If the wrap is damaged in an accident, storm, or other covered event, good records help support a claim. Photograph damage as soon as it is safe, before repairs, and keep any correspondence with your installer about repairs.
Storm season#
After a storm, check the boat and photograph any damage. Our hurricane planning guide explains what to inspect afterward.
Agreed value and valuation#
Some policies insure a boat for an agreed value. Ask whether the wrap affects that value and whether you need to update it. If you sell the boat, a buyer's surveyor may also note the wrap.
Keep everything together#
Store invoices, film details, warranty documents, and photos in one place, with a backup. Our warranties guide explains which records also help with warranty claims.
Insurance during installation#
Ask your installer what insurance they carry while working on your boat, and whether damage during installation or while the boat is in their care is covered. Your own policy may also have conditions about work done at a yard or by contractors. Clarifying this before work starts avoids disputes if something goes wrong.
Frequently asked questions#
Will a wrap raise my premium?#
That depends on your insurer and policy.
Is wrap damage covered?#
That depends on the cause of the damage and your policy terms. Ask your insurer.
What records should I keep?#
Invoices, product details, installation dates, and photos.
