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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.

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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)

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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

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Refer your friends and you’ll both be rewarded

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!

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Private clients

For boats over the value of £500,000. With an in-depth understanding of marine insurance, we can offer you complete choice and flexibility when crafting your cover. Our expert advisers will build you a totally bespoke quote based on a detailed discussion about your vessel, your experience and where you sail.

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.   

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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.

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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.

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*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. 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.