{{vm.discount}} % off

Best Price Guaranteed on your Boat Insurance

Up to 25% no claims discount

If you’ve made no claims in the past 5 years

The Ripe Guarantee

At Ripe we take good care of you with great cover and exceptional service at the right price.

Find out more

Marina mooring discount

Up to 15% discount if you moor your boat in a recognised marina.

Your cover options

Our flexible policies mean you can choose from two simple cover options and then add the optional extras you require.

Boat (Hull & Machinery) & Third Party Liability

This option will cover your boat against theft and damage, as well as covering you for salvage charges. It also covers your legal liability if you damage another boat or property, or injure another person.

What’s included in this cover?

  • Theft of your boat or craft
  • Accidental damage caused by fire, explosion, collision, standing, grounding and heavy weather
  • Accidental damage caused by negligence
  • Malicious damage to your boat or craft
  • Salvage charges and expenses in preventing or minimising damage to your boat or craft
  • Accidental damage caused to another boat or property, or injury to another person
  • Legal costs incurred as a result of damage to a third-party boat or property, or injury to a third party person
  • Cover extends to any person in charge of your boat with your permission
  • Option to increase standard Liability cover from £3 million to £5 million for £40 plus IPT (insurance premium tax). Please note this is not available for Jet Skis.
  • Option to include the contents of your Narrowboat (if applicable)

Third Party Liability only

Third Party Liability only cover protects you in case you cause damage towards another boat or property, or injure another person whilst on the water.

What’s included in this cover?

  • Accidental damage caused to another boat or property, or injury to another person
  • Legal costs incurred as the result of damage to a boat or property, or injury to a person
  • Accidents incurred when another person is in charge of your boat or craft. Cover extends to any person in charge of your boat with your permission, exclusions apply

PRIVATE CLIENTS: For boats over the value of £500,000, please click here

Why choose our specialist boat insurance?

Regardless of whether you own a narrowboat or a paddleboard, it is vital that you have the right insurance to ensure you and your pride and joy are fully protected.

Our insurance covers you and your boat against theft, loss and damage. You can also include contents cover as part of your policy if you need it.

Our Third Party Liability Insurance provides protection if you cause damage to another boat or injure another person.

We also offer a range of additional cover options so you can tailor your policy to get exactly the protection you need, meaning you’ll only ever pay for the insurance you want.

Plus, we offer discounted rates* based on your sailing experience, age and where you moor your boat. And better still, we rubber stamp our prices with our Ripe Guarantee* which means you get great cover and exceptional service at the right price.   

GET A QUOTE

Boat Insurance FAQs

What is boat insurance? chevron_down

Insurance is vital if you own a boat. Not only can it give you the protection you need should you damage your boat or if it’s stolen, but it can also provide assistance if you injure someone or damage another boat. A large number of marinas in the UK also require you to have liability cover as a minimum before you can moor there.

What does boat insurance cover? chevron_down

The main elements of boat insurance are protection against theft and damage to your boat and protection if you cause damage to another boat or injure another person while on the water.  

For example, if you were to have an accident involving another boat, insurance would cover the cost of repairing or replacing your boat and any costs you are liable to pay as a result of causing damage to the other person’s boat or injuring them, including legal costs.

What add-ons can I get to my boat insurance policy? chevron_down

There are a range of additional cover options depending on the type of boat you want to insure. For example, you can get winter cover or protection for the contents of your boat should you need it.

How much is boat insurance? chevron_down

The cost of boat insurance can depend on a wide range of factors. Firstly, it depends on the type of boat you wish to insure, but it also takes into account your age and any claims history you may have. The price of boat insurance  includes any additional cover options you may need.

Already insured?

No problem. You can set your policy to start anytime in the next 90 days so you can be covered when you need it.

GET A QUOTE

To make a claim...

In the event of you needing to make a claim, simply call +44 (0)800 997 8986 and you’ll be in the capable hands of our advisors.

CONTACT US

 

*20% discount is not available on narrowboats or to customers who live aboard their boat and who use it as their primary residence. Applicable 20% discount applies to the policy premium only. We are not able to offer the Best Price Guarantee to Insure4Boat policyholders who live aboard their boat. This Guarantee is also not applicable on any boat with a value in excess of £50,000 and/or where the Insure4Boats annual premium is in excess £2,500.