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.

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.

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.

Our boat insurance policies cover a variety of different risks, 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.

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.

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

• 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

Please see the page for your specific craft from the list to find more details:

• Canal and narrowboat
• Canoe and kayak
• Dinghy
• Jet ski
• Motor boat
• Paddle board and windsurf
• RIB
• Rowing scull
• Small boat
• Yacht

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

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