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Yacht and Catamaran Insurance

Sail further with yacht and catamaran insurance from Towergate, including:

  • Covers 24 hour single-handed use
  • Racing liability as standard (with damage to masts and sails as an optional extension).
  • ‘Marina ready’ with £5m liability cover

Get your yacht and catamaran insurance quote online and buy today

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If you prefer to speak to someone, call the team to discuss our yacht insurance:

0344 892 1987
0344 892 1987

Weekdays 9am - 5pm
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What does yacht and catamaran insurance cover?

24 hour single-handed use

Our yacht and catamaran insurance policies cover single-handed use. This is the case for up to 24 continuous hours for avid UK sailors. Check our policy wording for more details.

Yacht and catamaran racing liability

Yacht and catamaran liability whilst racing is covered as standard. Our optional ‘Racing Risks’ extension provides cover for damage to masts, spars, sails and rigging on a new for old value basis.

Be 'marina-ready’

Whatever your yachting style is, you can be ‘marina and race-ready’ with up to £5 million in liability cover. Exclusions include, employees and marine trade workers, fare paying passengers, water skiers, parascenders and divers.

Specialist claims handler

For more complex claims, a specialist handler will be assigned to manage your yacht or catamaran claim. They will carefully lead you through the whole process.

Yacht and Catamaran Insurance Claims

You can get in touch to let us know about a claim 24/7.

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

To claim simply email us or call us on:

0330 018 2292

Yacht and Catamaran Insurance Articles & Guides

We know more about yachts than just insurance, discover tips and guides here:

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.

Yachts For Maintenance


Preparing Your Yacht for the Sailing Season

It can often seem a chore to prepare your yacht for the start of the new sailing season. However, if attention isn’t given to maintenance before you take to the water, it could result in costly repair bills and inconvenience. Read our tips on how to keep your yacht in top condition.

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.

Yacht and Catamaran 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 on-board. Will this be covered on and off the water by my yacht insurance policy?

Our yacht insurance 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 on-board 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?

Unfortunately, we can’t cover you in the Caribbean or the Baltic seas, though we can sometimes refer this to our underwriters. As a rule, we do not cover any cruising more than 35 degrees east in the Mediterranean. Again though, you’ll 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 yacht policy, can I do this half way through the year?

Things never stand still in the world of boating. So, if you’ve installed the latest gadget and you need your sums insured amended or you’ve changed your mooring arrangements or cruising range, give us a call and we’ll update your policy. There is an administration fee charged to change the details on your policy plus any premium increase related to the additional cover you require.

Do I need to get my yacht surveyed?

If your yacht is over 35 years old, we will require proof that you’ve had it surveyed. Furthermore, we will require your craft to have a survey every 10 years thereafter. For yachts under 35 years, no survey is required for you to take out insurance.

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

Yes, we also provide liability for those actively using older yachts 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).

How do I qualify for discounts on my yacht insurance premium?

In some ways, yacht insurance works like car insurance. If you’re an experienced sailor, your premium might work out cheaper. Contact us to see if any discounts apply.

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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