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Lowest Price Guaranteed on your Boat Insurance

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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)
What’s included in this cover?

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
What’s included in this cover?

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. So, we promise you won’t find the same Boat Insurance cheaper anywhere else.

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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.

CONTACT US

© Copyright Ripe Thinking Limited 2021

Insure4Boats® is a registered trademark and a trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority No.313411. Registered office: The Royals, Altrincham Road, Manchester M22 4BJ. Registered in England No. 04507332.

*Monthly payments available on all policies with an annual premium of over £50.