⚓ Boat Insurance – Full Protection for Peace of Mind

Why Do You Need Boat Insurance?

Whether your boat is brand new or a seasoned cruiser, it’s a valuable investment that deserves proper protection. Comprehensive boat insurance helps cover you against the unexpected – including collisions, theft, fire, sinking, and third-party claims.

From weekend sailors to offshore adventurers, having the right insurance ensures your time on the water stays smooth and stress-free.

 

Comprehensive Boat Insurance Cover

Our comprehensive cover offers full protection – for you, your passengers, and your vessel:

• Accidental damage – even if you're at fault
• Theft or attempted theft
• Fire and explosion
• Sinking and salvage
• Third-party liability claims
• Legal expenses
• Guest and crew injuries

Compare with Third Party-Only Cover:

• Third Party Only – covers damage to others, not your boat
• Third Party, Fire & Theft – adds fire/theft protection, still excludes your own accidental damage

If you want real peace of mind, comprehensive is the way to go.

 

Boat Racing Insurance

Are you a keen racer – under sail or power?

Standard policies usually exclude racing, so it's vital to inform your insurer. Whether you’re club racing or in offshore events, we’ll help you get the right cover.

 

Offshore Range & Cruising Limits

Your policy may have offshore limits based on:

• Your boating experience
• The type and condition of your vessel
• The areas you intend to cruise

Example: If you're crossing the English Channel (e.g., Dover to Calais), many insurers only provide cover in fair weather – typically below Force 4 on the Beaufort scale.

Always confirm your cruising plans with us before setting sail.

 

Out-of-Water Boat Insurance

If your boat will be lifted out of the water for maintenance or storage:

• Notify us with your lift-out and relaunch dates
• Tell us whether it's stored on open ground or in a secure yard

These details can affect your premium and your protection while ashore.

 

Experience, Training & Qualifications

Insurers want to know you’re in safe hands. That’s why we’ll ask for:

• Your boating qualifications (e.g., RYA or ICC)
• Previous sailing or powerboating experience

These can also unlock discounts on your policy.

 

Boat Age, Condition & Surveys

Older or larger boats may require a condition survey before insurance is approved.

• Ensure your boat is well maintained and seaworthy
• Be clear and accurate about its value – your policy should reflect it

We’re here to help make this process straightforward and transparent.

 

Lithium-Ion Battery Safety

If you're planning to retrofit lithium-ion batteries, consult us first. There have been safety concerns with some battery types.

We recommend Lithium Iron Phosphate (LiFePO4) batteries, as they are more stable and less prone to overheating or fire.

 

Possible Discounts on Your Policy

You could qualify for savings if you have:

• Years of safe boating experience
• Successfully completed certified courses
• A strong no-claims history

Let us know – we’ll make sure you get any discounts you’re entitled to.

 

Don’t Forget the Small Print

Make sure you read your policy carefully, including all terms, exclusions, and obligations. Marine underwriters require that your boat is well maintained and seaworthy at all times.

We’ll help you understand what’s required – and how to stay compliant.

 

Ready to Get Covered?

Whether you're looking for basic liability insurance or full comprehensive cover, we’re here to guide you through the process.

👉 Get a Quote Today or contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.

Sail smarter. Insure with confidence.

 

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