Boat Insurance - How to Get the Best Rate

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2 Fishing enthusiasts take pride in their boats, trailers, rods and reels. FishOn Insurance is a specialized insurance program created by fishermen, designed specifically for fishermen - no one else. The FishOn Insurance Program is the #1 choice for insurance among fishermen, providing industry leading coverage under one policy at an affordable price. 1. Competitive Coverage Specialty coverage designed by fishermen, for the needs of fishermen (see inside). 2. Competitive Price Just because you re buying a better policy doesn t mean you have to pay higher rates. 3. Fights for Your Right to FISH A portion of your premium goes back into legislative programs that fight the constant attack to close waterways from fishermen. 4. Knowledgeable Staff We insure fishermen and boaters, nothing else. Our knowledge makes the process easy for you. 5. In-house Claims Faster and more accurate turn around to get you back out on the water to fish.

3 Highlights of the FishOn INSURANCE PROGRAM Personal Effects and Fishing Tackle Coverage. Generous limits protect all your valuable gear, including those $80 swim baits. Unlike other programs, we don t have a lower cap for individual baits or rods. Pro Angler/Guide Coverage. Are you a pro? Do you have a guide business? FishOn can provide the coverage, at a cost much lower than an expensive commercial policy. Additional Repair Coverage. We will pay for additional repairs needed due to faulty workmanship or undetected damage that is part of the original covered loss. And you don t pay another deductible. Emergency Services and Towing. In case of emergency (i.e. dead battery, ran out of gas, lost the keys overboard), $1,000 is included with the policy and higher levels of coverage are available. There s even coverage if the trailer breaks down. Tournament Fee Reimbursement. Reimburses you for prepaid entry fees for a tournament that you miss because your boat, primary motor, or trailer is inoperable due to a covered loss. Also covers your prepaid entry fees if you cannot fish due to a death of an immediate family member. Rental Reimbursement Coverage. Covers the cost to rent a replacement boat while yours is in the shop for covered repairs. Additional KEY BENEFITS Insurance coverage while you are fishing during tournaments. Legal Defense Cost Coverage. Uninsured/Underinsured Boaters Insurance Coverage. Contaminant Spill/Pollution Liability Coverage. Wreck Removal Expense Coverage. Medical Payments Coverage for you and your guests. Flexible premium payment options and the ability to charge your insurance premium to your Mastercard, Visa, American Express or Discover card.

4 Optional TOTAL LOSS REPLACEMENT COST COVERAGE If you suffer a total boat, motor, trailer loss, we ll buy you a new one and replace all of the equipment. As a specialty marine insurance agency, we understand the various forms of boat insurance coverage. Some insurance policies only offer to pay the current (depreciated) market value of your boat. Some pay the agreed value limit of your boat insurance policy. With FishOn Insurance, we ll buy you a brand new boat, motor, trailer and equipment. ACV Agreed Value FishOn Total Loss Replacement Purchase price and insured value is $50,000 In two years a total loss claim occurs ACV Actual Cash Value = $35,000 (pays depreciated market value of boat) Agreed Value Coverage = $50,000 (pays limit of policy) FishOn Total Loss Replacement Cost Coverage = $60,000 (pays replacement cost of like-kind boat, motor, trailer) $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 IMPORTANT NOTE: Available coverages vary from state to state, and are subject to policy terms and conditions. Product features may not be available for all risks or coverage selections. No two insurance policies are the same. Reading your insurance policy is an important part of knowing how you are covered. Free Insurance Quote Call us today. There s no obligation or charge to get a quote on your new boat, or for us to review your current coverage and save you money. Flexible premium payment options and the ability to charge your insurance premium to your Visa, MasterCard, American Express or Discover Card. Toll Free or-

5 About Norman-Spencer Norman-Spencer Agency, Inc. provides industry leading insurance services to clients and insurance buyers nationwide. Since its humble beginnings in 1988, Norman-Spencer has grown to insure tens of thousands of customers and businesses, service thousands of independent insurance agencies, and has partnered with the top 15% of the nation s best insurance carriers; all rated A or higher. In 2008, Westmar Marine Insurance Services joined the Norman-Spencer family, and continues to provide superior services to marine dealers, agents, and thousands of boat owners and fishermen nationwide. The Norman-Spencer family will continue to build on a culture of providing cost-effective solutions, superior customer services, and the best programs and policies available in the specialty insurance industry. Endorsed by: Proud Members of: In California: Norman-Spencer Insurance Agency License #0B64551