Gulfshore Insurance > Gulfshore Blog > Personal Insurance > Personal Protection Series Article 2: Personal Watercraft Theft – What You Need to Know!

Gulfshore Insurance – Private Risk Services brings you an informative series of articles on personal risk protection. Whether it’s protecting your home or condo against theft, safeguarding your most valuable possessions, or protecting yourself from one of today’s most serious threats, cyber theft, we are here to deliver the resources needed to help protect the things you value most. We are pleased to provide you with this eye-opening series over the next few months that highlights several core risk management issues and delivers helpful steps you can take to protect yourself. If you have any questions or concerns, don’t hesitate to contact one of our trusted advisors. To read the first article in the series, Defend Your Home or Condo Against Burglars with These Helpful Tips, click here.

Watercraft SafetyAccording to a recent report from the National Insurance Crime Bureau, personal watercraft continue to be the prime target of thieves, with the category coming in at the #2 spot behind a combined catch-all category of canoes, dinghies, dories, jon boats, kayaks, lifeboats, paddleboats, sculls and skiffs. That means your favorite toy has a very big target on its back, and if you want to keep it safe and secure you’ll need to take a few extra steps to ward off the bad guys.

Here are some suggestions for keeping your watercraft safe, both in and out of the water…

Off the Water

A large percentage of personal watercraft are stored on a trailer, a setup that makes for a quick getaway…day or night. If you don’t want to be a victim, start by making it harder to get that trailer off your property. Add time to the process of nabbing your craft and you’ll substantially lower the odds it gets swiped.

Coupler LockA coupler lock is a good start. These devices work by covering the underside of the hitch itself and preventing your trailer coupler from accepting a hitch ball. Yes, your existing hitch likely has a spot to fit a lock in place of a locking pin, but that won’t keep the dedicated thief away for long. Bolt cutters can snap a padlock in about two seconds; a simple crescent wrench can open things up from below. Cover up the actual spot where the ball needs to engage with the hitch and you’ve thrown a monkey wrench into a thieves plan. Just make sure you get an actual keyed version of whatever lock you choose. Some use a simple generic key that makes it far easier for a thief to open should they have the right tools.

You can also take things a step further by padlocking your craft and/or trailer to a nearby object, like a tree or sturdy structure. We’ve even seen people pour a concrete anchor into a hole in the ground, and place an eyebolt in the cement while it cured. Once finished, they had a secure locking point to attach a chain and padlock. You can do the same thing with a driveway slab.

Another great tip is to block your craft in. If possible, keep it behind a fence and out of sight from the road. If you have the garage space, by all means use it. That way drive-by thieves may not even notice your craft. Even if they do, they’ll have to contend with the extra step of a gate or garage door that, hopefully, is also locked up tight. At night, keep a car positioned in front of the craft and trailer so that they can’t be easily rolled away. In more theft-prone areas, you may also want to padlock the craft to the trailer itself to prevent a crew from literally lifting your craft right off the trailer.

If your boat is kept at a marina, choose one with full-time security and good lighting. Make sure your marina is aware of when your boat is being used by you or an operator approved by you. The sooner they become aware the boat isn’t in its slip or where it is supposed to be, the sooner they can notify you so efforts can begin to locate your vessel.

To avoid entry into your vessel’s cabin, replace the spring-latch locking assembly with a deadbolt-type lock. Also, do not leave registration, title, or document papers on the boat when it is not in use. If you must leave your boat for an extended period of time, ask a friend to check on it regularly.

On The Water

On the water or at the beach, your attention is much more focused on your personal watercraft, but theft is still possible. When unattended, remove the safety lanyard. It’s a simple deterrent that will prevent the quick, casual theft, but not a long-term solution. For added security, remove the craft’s key or activate its security system if equipped. Don’t have that luxury? Even removing the negative battery cable from the battery post will prevent someone from starting the craft, buying you valuable seconds.

Docking overnight? Lock and secure with a strong cable lock. Like anytime you leave your craft unattended, remove valuables that you may have stowed aboard, as well as any registration papers you may have in the craft.

When trailering back and forth to the water, lock your trailer to your car with a hitch pin lock. It should prevent quick-access thefts from happening in parking lots.

Stolen? Now What?

In the unfortunate event your craft is actually stolen, do what you can to increase your chance of recovery. Take and keep photos of your craft from a variety of angles, including close-ups of hull ID numbers and any unique identifying marks. Keep photos and a written inventory of any valuable gear that goes along with your craft. Notify authorities immediately, but also keep an eye on places like Craigslist. Thieves may be clever, but they’re not always rocket scientists. A recent news article detailed a woman who had her prize stolen, only to see it listed on the site several days later.

Should you find your crook, let the police do their job. Though it may be tempting to play vigilante, it’s not usually the safest choice. Let the authorities handle things.

Of course, if the worst should happen and your boat or equipment is stolen and not recovered, it pays to have comprehensive insurance in place. Gulfshore Insurance offers exceptional, all-risk insurance coverage for the spectrum of pleasure yachts and boats, including luxury mega-yachts and sailboats, sport fishing boats, ski boats, personal watercraft, high performance vessels and select charter vessels. For more information on how to protect yourself, contact one of our trusted advisors today.