Similar to common marine policies and auto policies (make sure to review your specific policy as they can vary), the marine policy typically covers the vessel from the moment it enters the water. Land coverage applies while on roads. The brief transition window — backing down a ramp, entering the water — is generally covered under whichever policy is contextually appropriate. Work with your broker to confirm there are no gaps. In practice, we haven’t seen coverage disputes during transition; the policies complement each other. Consult your broker or policy for guidance or clarification.

We can help with this because the WaterCar EV is considered a US coast-guard compliant recreational vessel complete with a HIN number for  the Water. It is also an LSV complete with a VIN number for the road. We can point you toward brokers who have successfully placed WaterCar coverage.

From previous customer’s experiences, Yes. Marine coverage handles watercraft liability, hull damage, and on-water incidents. Land coverage handles road use, collision, and LSV operation. The policies work together without overlap — each covers its environment. Most owners find the combined annual cost reasonable for what they’re insuring.

From previous customer experiences, think of it as two separate policies for one vehicle. On the water, it’s an 18-foot recreational pleasure boat with a HIN (Hull Identification Number) — insured through a marine policy as a recreational US coast-guard compliant vessel. On road, it’s a federally certified Low Speed Vehicle with a 17-digit VIN — insured through an auto policy. We provide complete documentation for both — HIN certificate, NMMA certification, VIN plate, and LSV compliance label — making the paperwork straightforward for any knowledgeable broker. We also have brokers that can assist with this.