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Boat Insurance

Boat insurance for a wide variety of craft, covering a range of risks. Call us to speak with our friendly team or buy boat insurance online.

  • Accidental damage cover available for all craft types
  • Flexible levels of protection to suit you
  • Advice and assistance from a dedicated team of experts

0344 892 1987
0344 892 1987

Weekdays 9am - 5pm
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What is boat insurance?

Our boat insurance policies take into account a number of factors including the size, value and use of your craft. Find out more details below.

What does boat insurance cover?

Our boat cover can be tailored to suit your needs, depending on the type of craft you have and what you will be using it for. Accidental damage is available across our policies to protect you from bumps and scrapes.

Boat Insurance Video Guides

See our videos on boat insurance, safety and maintenance.

Gas safety on your boat

Find out the precautions to take to ensure you stay safe when using gas on your yacht.

Motorboat insurance explained

Watch our guide to the types of motor craft we can insure, to help you understand what is the right cover for you.

Boat Insurance Articles & Guides

We know about more than just boat insurance; read more from Towergate:

Boat for sale


What are the Costs Associated with Buying a Boat?

Buying a boat is a really exciting process, from choosing the type of craft that suits your needs to testing out different vessels on the water. However, it is important that you take into consideration the various costs of buying and owning a boat to ensure that you have a suitable budget.

RIB or SIB 1


RIB or SIB - which boat is better for you?

The rigid inflatable boat (RIB) is an incredibly popular choice of power boat due to its versatility, speed and ability to cope with challenging conditions. However, many people incorrectly refer to all inflatable boats as RIBs, not knowing that some of these RIBs are in fact soft inflatable boats (SIBs). This means that they do not have a hard hull, so are easy to deflate and store, and also tend to be far more affordable than RIBs.

Buying And Owning A Yacht

insurance guide

Guide to Buying and Owning a Yacht

Spend an afternoon at a busy marina, and it’s clear that yachting is having something of a heyday. Whether you’ve previously sailed with a crew and are looking to next compete in your own vessel, or you are simply attracted to the lifestyle of leisurely weekends along the coast, owning a yacht is a dream for many. But what does owning a yacht involve, and how much will it all set you back? Our guide will help you understand the realities of yacht purchase and ownership.

Do I need boat insurance?

Although boat insurance is not a legal requirement in the UK, evidence of third party insurance is compulsory at most marinas, harbours and in recognised mooring areas. If you’re considering investing thousands of pounds in a boat, you’ll no doubt want to make sure you’ve got the right insurance cover in place to protect it.

How much does boat insurance cost?

Our boat insurance policies cover a variety of different risks and there are four levels of cover to choose from, depending on the type of craft you have, its age and size, and how and where you use it. Therefore, it’s difficult to give an average cost. 

What boat insurance do I need?

The level of coverage you need will depends on a number of factors, particularly how and where you are intending to use your boat. Should you use your craft for more particular or competitive purposes, such as racing, you can add specialist cover to your policy for greater peace of mind and increased protection.

Common exclusions

It is always recommended that you check your policy documents for a comprehensive list of exclusions but typically boat insurance does not include:

  • Wear and tear
  • Deliberate acts of negligence or recklessness
  • Operating a boat under the influence of drugs or alcohol
  • Individuals not wearing ‘kill-cords’ on crafts which require them, such as jet skis

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