Select your boat type for a quick quote
If you’ve made no claims in the past 5 years.
Get third-party cover for added protection on the water.
Up to 15% discount if you moor your boat in a recognised marina.
Whatever type of boat you own, boat insurance is an important consideration when it comes to protecting it and you.
Specialist boat insurance through Insure4Boats covers your boat against theft, loss, and damage. Plus, policies are flexible, so you can choose from a wide range of optional extras, such as European cover, if needed.
You’ll also get up to £3m worth of Third Party Liability Insurance for extra protection and peace of mind should you have a boating accident, causing damage to another boat or injury to another person on the water.
At Insure4Boats, boat insurance is flexible. You can choose from two simple cover options to start with and add the optional extras you require on top.
The cost of your boat insurance can depend on several factors, such as your age, sailing experience, boat value, and claims history.
There are many different types of boats, so the best way to find out what your cover could cost is to get a bespoke quote online, telling us more about your specific requirements.
Depending on your boat type, you could also get up to a 25% No Claims Discount if you’ve made no claims in the past five years and up to 15% off if you moor your boat in a recognised marina*.
Full terms and conditions can be found in our Policy Wording documents.
If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!
Is boat insurance a legal requirement?
No, boat insurance is not currently a legal requirement in the UK. However, proof of valid insurance such as Third Party Liability is often required to gain entry to some marinas, harbours, and inland waterways.
What is classed as inland waters?
Inland waters refers to all water bodies within a country’s land territory that are not part of the sea. Inland waters can include but are not limited to canals, rivers, lakes, and reservoirs.
Do Third Party Liability only policies still cover salvage charges?
No, you would need to take out a Boat (Hull & Machinery) policy to be covered for salvage charges.
What type of boat survey do I need and when?
If your boat is more than 30 years old, you must have had an out of water condition survey from an independent, qualified marine surveyor within the last three years in order to be covered in the event of a claim.
Please note that this only refers to Boat (Hull & Machinery) & Third Party Liability policies, and not Third Party Liability only policies.
Am I covered for racing?
This depends on what type of boat you have and the level of cover you choose.
When you take out a policy for a dinghy or sailing boat through Insure4Boats, local club racing is covered as standard with Boat (Hull & Machinery) cover.
Racing is not included as standard on other boat policies, but you can select it from our list of optional extras if needed.
It's important to let us know how and when you plan to compete in racing when getting a quote, to ensure your racing can be covered appropriately.
No problem. You can set your policy to start anytime in the next 90 days so you can be covered when you need it.
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.
*A secured and sheltered mooring complex, providing controlled access to berths, racking, compounds or pontoons, and 24-hour manned securing excluding facilities with floating or temporary breakwaters.
**Discount is not available on narrowboats or to customers who live aboard their boat and who use it as their primary residence. Applicable discount applies to the policy premium only.
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