Frequently Asked Questions

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If you can’t find the answer to your query here, please contact us on or send us your query online.

Yes, please call our customer service team who will be happy to amend your policy. You should insure your vessel for its current market value.

No, the policy will remain in your name. However if you buy a new boat you will be able to swap your boat on your policy.

Yes, anyone who has a financial interest in the boat can be named on the policy

No, you would need to buy a second policy.

Call our customer service team who will be happy to amend your policy.

Call our cancellations team on . Cancellations will need to be confirmed in writing either by post or email. If you are cancelling more than 14 days after your policy has started there is a £25 cancellation fee and any return premiums will depend on the amount of time left on cover.

We are currently unable to cover the following types of boats:

  • Racing dinghies
  • Canoes, kayaks, sailboards or SUPs. However, our sister company Insure4Sport will be able to help with these
  • Any boats with a speed over 50 knots
  • Any boats with a length over 50ft unless it is a narrowboat
  • Barges (with the exception of Dutch Barges)
  • Any boats used for commercial purposes
  • Trimarans

Please see the types of boats we cannot cover, you can also find the limitations and exclusions of the policy in the policy wording.

If your vessel is over 40 years old you must have an out of water condition and valuation survey completed by an independent qualified marine surveyor in the last 5 years.

No, however for boats over 8 meters in length there needs to be at least two experienced crew on board.

We can cover personal possessions however, the maximum we will pay for one item is £350. If you own items over this value your home insurers may be able to provide cover for this.

Our standard policy will cover coastal and inland waters of the UK. You can extend your cruising range by selecting European Cover which will allow you to sail for a maximum of 60 days cover at one time for inland and coastal waters of Europe but limited to Belgium, Holland and France but not West of Brest .

Yes there is an option to add this cover, you can specify the amount of cover you require so you only pay for what you need.

Yes, as long as you are a UK resident and your vessel is moored in a professionally run marina in any of the following territories: Balearic Islands, Canary Islands, Croatia, Cyprus, France, Greece, Italy, Malta and Turkey. The cruising range is the Mediterranean not East of 30 degrees East, excluding waters of North Africa.

Yes, as long as you are a UK resident and your vessel is moored in a professionally run marina in any of the following territories: Balearic Islands, Canary Islands, Croatia, Cyprus, France, Greece, Italy, Malta and Turkey. The cruising range is the Mediterranean not East of 30 degrees East, excluding waters of North Africa.

If your boat is under 26ft you can select road transit cover and this will cover your boat should it become damaged when in transit. You will not be covered for any liability to other road users, please check with your motor insurer if you require this cover.

Yes in most cases but you will need to call us with the mooring details.

Yes, if your boat is moored on any type of mooring (swing, trot, pile or pontoon) within a marina you are eligible for the discount.

The standard limit is £3million but you can increase this to £5million for an additional £40.00 (excluding IPT).

No, we are unable to cover boats moored at a mud mooring.

We are one of the UK’s leading specialists in niche insurance products. Nearly 200,000 policyholders have already chosen Ripe for their sports, leisure, personal and business insurance. Our fresh approach to insurance is all about making insurance easy-to-buy, simple-to-understand, jargon-free and excellent value. We ensure that our insurance practices not only meet but exceed the standards set by the Financial Conduct Authority, giving our customers a clear understanding of our insurance products and providing a first-class insurance service. Find out about how we do things differently here.