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Motor Boat Insurance

Cover for motorboats, on and off the water

  • 'Marina ready' with £5m liability cover
  • ‘Agreed value’ policy available
  • If grounded, your insurers will pay for the reasonable costs to check damage

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If you need more assistance, talk to one of our friendly specialists on:

0344 892 1987
0344 892 1987

Weekdays 9am - 5pm
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Our motor boat insurance features

Third-party liability cover

Be ‘marina ready’ with £5 million in third-party motor boat liability cover. This excludes employees and marine trade workers, fare paying passengers, water skiers, parascenders and divers. Third-party liability for water skiers and towing of toys can be added as an optional extra.

Special-build motor boats

Do you customise your craft to meet your specific needs, but feel uneasy as to whether or not you're adequately insured? That's why we offer an 'agreed value' cover option (as opposed to market value) for your special-build motor boats. Just be sure to check the value applicable to your craft.

Motor boat sighting costs

We understand the need to keep your vessel and family safe if you suspect that you've grounded. You can be rest assured that we will pay the reasonable costs of inspecting the underwater part of the hull of your motor boat, even if there is no damage found.

Machinery failure cover

We provide machinery failure cover for motor boats under 5 years old as standard. There is also the option to add this cover for motor boats aged between 5 and 10 years.

Motor Boat Insurance Claims

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

Give us a call with the details of your claim, your policy number and some photographic evidence where appropriate.

0330 018 2292

Motor Boat Insurance Articles & Guides

Tips, advice and points of interest on all things nautical.

Chartering Your Boat


Chartering Your Boat

Many boat owners choose to charter their craft to help with mooring costs or simply to keep the boat in working order whilst they are away. But like letting out your home or even your car, you’d expect your property to be looked after and for your insurance to cover you for any incidents which happen beyond your control.

Bristol harbour


Top Harbour Walks

One of the joys of owning a boat is being able to travel around to different places and explore new towns and countryside. We've put together some of our favourite harbour walks so you can moor up and take in the sights at a new location.

Do I Need A Qualification To Buy A Boat


Do I Need a Qualification to Buy a Boat?

A commonly asked question by first-time buyers of boats is what, if any qualifications you need to buy a vessel. Read our explanation to find out the answer, and our advice to make the most of your boat and keep it best protected under your boat insurance.

Motor Boat Insurance FAQs

What happens if I cannot visit my boat during the Covid-19 pandemic?

We understand that due to the Covid-19 outbreak you may be unable to visit your boat. Read our FAQs for this situation.

I have some expensive equipment onboard. Will this be covered on and off the water?

Our motor boat and speed boat insurance policy covers a number of items, including things you’d carry on your person such as digital compasses, or pocket knives. These smaller items do have a single article limit of £300. However, you can also cover more expensive items such as onboard GPS equipment and outboard motors. All you need to do is let us know what you’d like covered, so we can include it in your sums insured. Please let us know if you would like to cover any items over the £300 single article limit.

Are there any restrictions on my cruising range?

Yes. For example, we can’t usually cover you in the Caribbean or the Baltic seas. You’ll also need to let us know if you want to change your cruising range from what you originally agreed when you set up your policy. See the question below for more detail.

If I need to make changes to my policy, can I do this half way through?

Things never stand still in the world of boating, so if you’ve installed the latest gadget and you need your sums insured updated or you’ve changed your mooring arrangements or cruising range, give us a call and we’ll update your policy.

Do I need to get my boat surveyed?

If your GRP boat is over 35 years old, we will require sight of the survey. Furthermore, you will need your craft to be evaluated every 10 years thereafter. Wooden or steel boats need to be surveyed at 30 years old, and then every 5 years after.

Can I get third-party liability cover for older craft?

Yes, we also provide liability for those actively using older boats on slipways or launching onto the water. It meets most requirements for inland waters, such as The Thames, Norfolk Broads, lakes and canals. This third-party cover product includes the removal and disposal of wrecked craft, as well as the re-floating and removal of damaged craft (under 60 years old).

How do I qualify for discounts on my premium?

In some ways, boat insurance works like car insurance. If you’re an experienced driver and you keep your car in a garage at home, your premium will be lower. Similarly, if you’re an experienced boater with an RYA qualification who keeps their boat in a marina, we’ll offer you discounts on your premium. Also, let us know if you have any RYA powerboat qualifications to take advantage of further discounts.

Can I pay in instalments?

If you would prefer to spread the cost of your policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

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