Extended Service Agreement — Marine

Because it is Not a Matter of IF, but a Matter of When.

An Extended Service Agreement helps protect your engine from unexpected mechanical repair costs — so you can focus on what matters the most. Enjoying family and friends in the outdoors.

Protective Asset Protection Backed by Protective Asset Protection — over 40 years protecting watercraft owners

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Average engine component repair cost*

Repairs can be costly and coverage gaps can make it even more so.

Fuel delivery
$1,900
Lower unit
$1,600
Oil injection system
$1,200
Ignition
$750
Power trim and/or tilt
$2,400
Transmission
$3,300
V-drive
$3,400
Stern drive upper housing
$2,700
Stern drive lower unit
$4,100

Deductible options from $100

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*Repair cost estimates based on Protective’s internal adjusted claims data. Your coverage options and price are calculated from your boat details in the quote form. Coverage is subject to deductibles, limits and exclusions.

One Unexpected Repair.
One Bill You Didn't Plan For.

You planned a weekend on the water — family, friends, sun. Then something breaks. The engine stops. The day stops with it. And when the repair estimate arrives, the number is bigger than you expected.

Mechanical failures happen to well-maintained boats too. The question isn't if it can happen — it's whether you'll be ready when it does.

That's exactly what an Extended Service Agreement is designed for. Not to replace your boat insurance — but to work alongside it, covering the mechanical breakdown costs your insurance policy typically doesn't.

Protect My Engine
Technician servicing an inboard engine — the kind of repair an Extended Service Agreement helps cover

Is This the Same as Boat Insurance?

No — and that's a good thing. An Extended Service Agreement gives you a layer of protection your boat insurance doesn't.

  • Covers Eligible Mechanical Breakdowns

    When your engine or its components fail mechanically, your Extended Service Agreement is specifically designed to help cover those eligible repair costs.

  • Works Alongside Your Existing Insurance

    Your boat insurance and your ESA complement each other perfectly. Together they give you broader protection — one covers events, the other covers mechanical repairs.

  • No Impact on Your Insurance Policy

    Using your Extended Service Agreement for a covered repair doesn't affect your boat insurance. Each program handles its own scope independently.

Family enjoying time on the water

What the Program Covers

Eligible components within the following systems

Marine technician inspecting an inboard engine through the open engine hatch
  • Engine

    The core of your boat. Internal components that keep it running.

  • Fuel Delivery

    Everything that gets fuel where it needs to go.

  • Electrical System

    Alternator, starter, ignition wiring and related components.

  • Ignition

    Spark, timing and the systems that fire your engine.

  • Instrumentation

    Digital gauges and display modules (manufacturer or seller installed).

  • Power Trim & Tilt

    The system that adjusts your engine angle in the water.

  • Steering

    Manual and hydraulic steering components at the main station.

  • Controls

    Shift, throttle and the control systems that connect you to your engine.

  • Transmission

    Drivetrain components that transfer power to your propulsion.

  • V-Drive & Stern Drive

    Internally lubricated drive components and housing.

  • Transom Assembly

    Shaft, bearings, gimbal and the connection between engine and drive.

  • Fluids & Lubricants

    Covered when required to complete an eligible repair.

Final coverage, eligibility and benefits are subject to the terms, conditions, limitations and exclusions of the service contract. This is a general summary only, individual benefits subject to change.

Enhanced engine coverage

Coverage for outboard, inboard and stern drive engines.

Engine (including electric outboard):

Electric outboard motor assembly engine head(s), engine block and/or cylinder barrels, only if damaged by the failure of an internally lubricated covered part; all internally lubricated parts including pistons, piston rings and pins, main bearings and rod bearings; cylinder head bolts, main bearing bolts, rod bolts, rocker arms, crankshaft, connecting rods, camshaft, camshaft bearings, valves, valve springs, push rods, lifters, guides and seats, rocker arms, oil pump, valve cover(s), oil pan, engine oil cooler, harmonic balancer, intake manifold, reeds and reed blocks, engine mounts, distributor housing, shafts, and bearings, engine water coolant circulating pump, coolant heat exchanger, thermostat, exhaust metering valve, springs, and diaphragm, timing chain, gears and/or belt, flywheel, seals and gaskets within component group.

Electrical:

Alternator/stator, voltage regulator/rectifier, engine mounted terminal blocks, engine mounted wiring harness, manufacturer recommended ignition switch; starter motor, solenoid, and starter drive; LCD gauge assembly and electric choke solenoid.

Fuel delivery:

Fuel delivery pump (mechanical/diaphragm), carburetor body, air box (silencer), electric choke solenoid (enricher), electronic fuel injector delivery pumps (high and low pressure), fuel injectors, fuel rails, fuel distributors, ECU module, throttle position sensor, manifold air temperature sender, idle speed control, mass air flow sensor, coolant sensor, O2 sensors, exhaust temperature sender, fuel pump diaphragm, flame arrestor, detonation/knock sensor, ignition pickup sensor, seals and gaskets within component group.

Filters, fluids, lubricants & taxes:

Filters, fluids, lubricants and taxes required to complete a covered repair for any covered part listed above.

Lower unit:

Internally lubricated parts within the gear case including: forward gear, reverse gear, pinion gear, clutch dog, dog pin, cam follower, prop shaft, drive shaft, bearing carriers, bearings, shims, gear housing only if damaged by the failure of an internally lubricated covered part, seals and gaskets within component group.

Oil injection system:

Oil injection pump, oil pump drive gear, oil pump drive shaft, oil tank, oil tank cap, oil level sensors, oil level warning horn and lights, oil injection lines, oil injection check valves and oil injection metering system.

Ignition:

Power pack/switch box, amplifier, ignition trigger coil, ignition module, ignition high output coil, spark plug wires, shift interrupter switch and rev limiter.

Multi-function instrumentation (manufacturer or seller installed only):

Digital multi-function gauges, cluster control unit/display module, power hub, consolidator hub, EMM harness, power supply harness and data harness.

Power trim and/or tilt:

Trim and/or tilt motor, trim cylinders, cylinder rams, cylinder mounts and pivots, trim motor actuator solenoids, control valves, reverse lock valve, pump, trim and/or tilt wiring harness, trim and/or tilt master control switches, trim limit switch, trim position sender, manual trim cylinder, manual trim cable, seals and gaskets within component group.

Manual steering (main station only, excluding cables):

Control helm assembly, control rack and yoke assembly, power steering pump, power steering cylinder, steering wheel, steering wheel mounting hub; seals and gaskets within component group.

Hydraulic steering (main station only, excluding cables):

Hydraulic steering head, hydraulic steering lines, hydraulic steering cylinder, hydraulic steering flow valves, steering yoke, seals and gaskets within component group.

Controls (main station only):

Manual and electronic shift and/or throttle control box parts including: cams, eccentrics, shafts, pivots, bushings, housing, control arms/levers and knobs, start/stop button (tether), neutral safety switch and ignition switch, shift control cable, throttle control cables, shift and throttle micro switches, potentiometer, control panel and wire harness.

Transmission:

Internally lubricated parts contained within the transmission including: clutch plates, thrust plates, planetary gears, shift bands, clutch drums, reduction gears, bearings, shafts, bearing carriers, hydraulic pumps, valve bodies, hydraulic pistons, transmission mounts and oil pan, transmission case only if damaged by the failure of an internally lubricated covered part, seals and gaskets within component group.

V-drive:

Internally lubricated parts contained within the V-drive case including: bevel gears, bearings, shafts, shims, bearing carriers, V-drive case only if damaged by the failure of an internally lubricated covered part, seals and gaskets within component group.

Stern drive upper housing:

Internally lubricated parts contained within the upper housing including: upper drive gears set, clutch packs/dogs/cones, shift cams, bearings, shims, bearing carriers, upper drive shaft, upper case housing only if damaged by the failure of an internally lubricated covered part, seals and gaskets within component group.

Stern drive lower unit:

Internally lubricated parts within the gear case including: forward gear, reverse gear, pinion gear, clutch dog, dog pin, cam follower, prop shaft, lower drive shaft, shift shaft, bearing carriers, bearings, shims, gear housing only if damaged by the failure of an internally lubricated covered part, seals and gaskets within a component group.

Transom assembly:

Intermediate shaft, bearings, U-joints, center yoke, drive yoke, gimbal bearings, steering yoke, engine coupler, transom shield/gimbal housing only if damaged by the failure of an internally lubricated covered part, seals and gaskets within component group.

More Than Just Engine Coverage

Additional benefits1

ALL engine and accessory package coverage includes the following additional benefits:

ExtendedQuick gives you peace of mind knowing you are protected against costly repairs and provides the following additional benefits:

  • Towing:

    Up to $300 per occurrence

    Reimbursement for on-water/over-the-road towing charges up to $300 per occurrence.

  • Hoist/lift out:

    Up to $300 per occurrence

    Reimbursement for hoist/lift out charges of $3.50 per foot of hull length up to $300 per covered repair.

  • Pick-up & delivery:

    Up to $150 per occurrence

    Reimbursement for pick-up and delivery charges up to $150 per occurrence.

  • Blocking:

    Up to $250 per occurrence

    Reimbursement for blocking fees of $3.00 per foot of hull length up to $250 per covered repair.

  • Dockside assistance:

    Up to $150 per occurrence

    Reimbursement for dockside assistance of $3.00 per foot of hull length for 26 to 90 foot boats, up to $150 per occurrence of service call charges when in-water repair is needed for a covered repair for 26 to 90 foot boats only.

  • Sea trial labor allowance:

    Up to $100 per occurrence

    Reimbursement for sea trial labor charges up to $100 per covered repair.

  • Travel expenses:

    Up to $150 per day for 3 days

    Reimbursement up to $150 per day for 3 days for expenses incurred for meals and lodging and/or for boat rental incurred when the boat and/or engine(s) is undergoing a covered repair due to a mechanical breakdown that has occurred more than 100 miles from your residence.

  • Tear down/accessory access:

    Up to $500 per occurrence

    Reimbursement for up to 5 hours of labor time for tear down/accessory access, up to $500 per covered repair.

1 Certain additional benefits may not be available in some states due to state law restrictions. See contract for exact terms, coverage and exclusions.

*All benefits are subject to having a covered repair and have maximum reimbursement limits. Certain additional benefits may not be available in some states due to state law restrictions. See coverage booklet for exact terms, coverage and exclusions.

Accessory Package Coverage

Protect the gear on board, too

Coverage for the accessory components installed on your boat, by boat type.

Starting at $1,799

Accessory packages available for:

  • Bass Fishing
  • Runabout
  • Trophy Fishing
  • Pontoon Boat
  • Cruiser Fishing
  • Navigation
  • Ski Boat
  • Cruiser

Average accessory repair costs

Trophy Fishing

Average accessory repair cost*

Anchor
$3,100
Boat electrical
$900
Hardware
$500
Hydraulic steering
$2,300
Live well/bait well
$500
Covered trophy fishing accessory component groups:
  • Anchor
  • Battery charger
  • Boat electrical
  • Controls
  • Compass
  • Downriggers
  • Electrical trolling motor
  • Fish finder(s)
  • Hardware
  • Hydraulic steering
  • Instrument panel
  • Lake water temperature gauge
  • Live well/bait well
  • Manual steering
  • Planing system
  • Power transom/manual transom
  • Stereo
  • Trailer (with roadside assistance)

Pontoon Boat

Average accessory repair cost*

Controls
$500
Digital depth finder
$200
Instrument panel
$300
Manual steering
$400
Covered pontoon boat accessory component groups:
  • Anchor
  • Appliance
  • Controls
  • Digital depth finder
  • Electrical
  • Electrical trolling motor
  • Fish finder
  • Hardware
  • Hydraulic steering
  • Instrument panel
  • Live well/bait well
  • Manual steering
  • Remote spotlight
  • Stereo
  • Waste system
  • Trailer (with roadside assistance)

Ski Boat

Average accessory repair cost*

Ballast & variable trim system
$2,800
Electrical & heating
$900
Planing system
$2,800
Ski/wakeboard tower
$7,500
Ski/wakeboard speedometer
$3,300
Covered ski boat accessory component groups:
  • Anchor
  • Ballast & variable trim system
  • Controls
  • Cruise control
  • Digital depth finder
  • Electrical and heating
  • Fresh water system
  • Hydraulic steering
  • Instrument panel
  • Manual steering
  • Planing system
  • Ski/wakeboard tower
  • Ski/wakeboard speedometer
  • Stereo
  • Wireless communication system
  • Trailer (with roadside assistance)

Pre-owned Accessory Package Coverage

  • Named component coverage available
  • Eligibility for current to 13 previous model years
  • Up to 3 year term options

Please Note - All accessory packages include trailer coverage and emergency roadside assistance for the trailer and tow vehicle.

*Repair cost estimates based on Protective’s internal adjusted claims data.

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Fuel type

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*Repair cost estimates based on Protective’s internal adjusted claims data.