If you’ve made no claims in the past 5 years
At Ripe we take good care of you with great cover and exceptional service at the right price.
Up to 15% discount if you moor your boat in a recognised marina.
Our flexible policies mean you can choose from two simple cover options and then add the optional extras you require.
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.
What is boat insurance?
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?
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?
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?
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.
*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.
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