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Small Boat Insurance

Boat insurance policies for your small craft - whether it's powered by sail, paddle, oar, or even by a small outboard - including:

  • £5m liability cover included as standard
  • Optional liability cover for water skiers and towing toys
  • 'No Claims Discount' available

Ready to hit the water? Start your small boat insurance quote online

Get a quote

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

0344 980 8242
0344 980 8242

Weekdays 9am – 5pm
Can’t get through right now? Request a callback

Features of our small boat insurance

Small boat liability cover

With up to £5 million in third-party liability cover, you'll be ‘boat yard ready’. Exclusions include, employees and marine trade workers, fare paying passengers, parascenders and divers. There's also the option to include third-party liability for water skiers and the towing of toys.

Online quote and buy

Our online quote and buy system is tailored by craft type. You can easily specify your boat. Whether it be a rowing scull, dinghy, canoe, RIB or any other small boat, you'll only be asked the questions that are relevant to you - saving you time and effort.

No claims discount

We want to reward you for being responsible! You can take advantage of our 'No Claims Discount' to recognise the careful ownership of your small boat. Enjoy a 5% discount per year up to 25% for five years.

Small boat theft cover

Being compact and relatively easy to manoeuvre, small boats are a tempting lure for would be criminals. Fortunately, our theft cover is provided as standard. Just make sure that you secure your craft to keep it safer and meet the policy conditions for cover to apply.

Small Boat Insurance Claims

You can get in touch to make a claim 24/7.

All we need are the details of your claim, your policy number and some photographic evidence where appropriate.

Simply email us or call us on:

0330 018 2292

Small Boat Insurance Articles & Guides

We've put together a few handy guides to boating plus a few items which are just plain interesting.

Lundy Island Puffins


The UK's Top 10 Coastal Wildlife Hotspots

There are an exciting variety of creatures great and small dotted around our coastlines and visible from some choice UK sailing spots. We've compiled the top 10 wildlife watching spots on our coasts with everything from dolphins, sharks and whales in the UK, to puffins, butterflies and owls. Don't worry if you don't sail, all these attractions can be enjoyed if you want to make it a walk on the wild side instead.

Boat Safety Thumb


Do I Need a Licence to Own a Boat?

Want to explore some of the UK’s beautiful coasts and waterways? This guide will help you figure out whether or not you need a boating licence and teach you how to apply for one.

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.

Small 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.

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. 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).

Can I pay for my small boat insurance 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.

Choose your boat type

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