Boat Insurance

Protecting your passion for boating. Whether you enjoy relaxing in the marina or prefer to venture further afield for your boating adventures, our boat insurance covers a wide variety of craft types to suit your boating lifestyle.

Boat Insurance FAQs

Question

What is boat insurance?

Answer

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.

Question

What does boat insurance cover?

Answer

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.

Question

Do I need boat insurance?

Answer

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.

Question

How much does boat insurance cost?

Answer

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.

Question

What boat insurance do I need?

Answer

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.

Question

What are common boat insurance exclusions?

Answer

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

Question

What if I have more specific questions about my craft?

Answer

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

Question

What types of motor boat can you insure?

Answer

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

Question

How can I maximise gas safety on my boat?

Answer

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