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Maintenance intervals, engine hours and engine damage
Oil and oil filter usually every 100 hours, fuel filter and gearbox oil every 200,
impeller and spark plugs every 300, a major service every 500.
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Engine hours are the boat's odometer reading. The intervals are set out in the engine manual and differ between outboards, inboards and diesel engines, so the numbers here are typical guide figures, not the maintenance schedule for your engine.
When a claim arises, maintenance becomes a matter of proof. Engine damage after a missed oil change is not a sudden external event but wear and tear, and wear and tear is not covered by any property policy. If you can produce evidence of the oil change, you shift the discussion from the question “Wear and tear?” to the question “What happened?”
An unbroken maintenance record is therefore the cheapest argument you can bring to a claim. Invoices, the engine hours and the date are enough. Machinery cover extends the hull cover to engine damage that hull cover on its own will not pay for, and there too it is the paperwork that decides.
Frequently asked questions
Is engine damage covered?
The machinery cover extends the hull cover to engine damage.
Wear and tear stays excluded, and so does damage that follows from maintenance you have skipped.
What belongs in the maintenance record?
The date, the engine hours, the work carried out and the invoice.
A simple notebook is enough.
Worked out for your type of boat
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