Insure4Boats FAQs

If you need help with your boat insurance, please visit our Insure4Boats Contact Us page.

Here you can submit a request or use live chat to find the best way to get in touch with our team.

Please visit our refer a friend page here to get started with making your referral

Please contact our claims handlers at Mac Marine Claims to get started with discussing or making a claim.

You can call on 0333 400 9159, their opening hours are 9.00am to 5.30pm Monday to Friday excluding bank holidays.
Or send them an email at office@macmarineclaims.com

You can pay in full on a card, single direct debit payment or spread the costs across the year with our monthly payment option.

NOTE: Monthly payments are only available on policies over £50.00

Premium Credit is the leading premium finance company in the UK and Ireland.
When you choose to pay for your insurance policy with us, your credit agreement will be provided by Premium Credit.

Please note: A credit search will be carried out which will leave a footprint. Interest charges apply.

If you need to discuss your Premium Credit agreement please contact Premium Credit on 0344 736 9836.

If you have chosen to pay for your insurance policy monthly, there are fees applicable for missed payments or if your credit agreement has not been completed.

If you are seeing any additional fees on your statement and have a monthly instalment plan with Premium Credit, you will need to contact them on 0344 736 9836.

The reason that you have been charged 2 payments is because these are the first 2 out of your 10 monthly payments for your policy.

When a policy renews, our partners Premium Credit will collect the first 2 out of the 10 monthly payments from the customer around the same day. This is due to the first payment after renewal taking up to 10 working days to be set up and then your payments continue as normal on the usual payment date so the first 2 payments will be taken close together or even on the same day. However, I can assure you that this does not impact the cost of your insurance in any way and can confirm that you only have 8 monthly payments due for this year.

Yes, within the first 14 days you can cancel the policy with a full refund as part of your 14 day Right to Cancel.
NOTE: If you cancel outside 14 days, cancellation fees do apply as per our Terms of Business.

Yes, our policies are very flexible, allowing you to change/adjust your policy at any time throughout the policy term.

Please visit our Insure4Boats Contact Us page and select “Manage my policy”.
Once we have received your request, a member of our team will be in touch within 24 hours.

NOTE: (Admin fees apply to all policy changes as per our Terms of Business)

Unfortunately, we cannot advise on valuing your boat, we specialise in insurance, so you need to tell us how much you would like to cover your boat for.

If you select Hull, Machinery & Public Liability cover any equipment that is attached/part of the boat is covered. The equipment is covered for theft, loss or damage, but not wear and tear.
Cover for Personal Effects is not included as standard however it is an available cover option. The single article limit for personal effects is £350. Excludes valuables such as Jewellery, Cash and Mobile devices.
NOTE: Equipment cover is not available on Public Liability Only Policies.

All our boat policies come with £3 million Third Party Liability cover as standard, this can be increased to £5 million upon your request.
Please be aware that all Jet Ski policies come with £1 million Third Party Liability as standard. This can be upgraded to £3 million for an additional cost.

If your tender has the same name as the boat & its value is included in the total sum insured then yes, it is covered on the insurance policy.

Cover is available whilst the boat is being towed on a trailer for boats Under 27ft.
Note: You will not be covered for any liability to other road users, please check with your motor insurer if you require this cover.

If your boat is over 20ft, and over 30 years old you must have an out of water condition survey from an independent, qualified marine surveyor within the last 3 years to have the full cover of Hull, Machinery & Public Liability which covers your vessel in the event of a claim.

NOTE: (If you require Public Liability ‘only’ the survey not applicable, as you cannot claim for your boat on this cover type)

Yes, we are currently unable to cover the following boat types:

• Any boat with a top speed of over 50 knots
• Trimarans
• Any boat used commercially/for business use
• Any boat over 50ft, unless it’s used on inland waters only (Excluding lochs & lakes)
• Barges - (With the exception of
• Dutch barges, our Narrowboat scheme is suitable for these vessels)
  
  

No, there is no limit to the number of passengers allowed on the boat.

Yes, that’s no problem, with a lot of boats, especially older vessels, they can sometimes be hard to identify or come with very little paperwork. If you are unsure, we can also insure your vessel using the Engine Number as identification.

Yes, as long as you have a residential UK address and spend at least 6 months of the year in the UK then we can cover you.
If you are not a UK resident, please visit our Private Clients page for more information, as we may still be able to help.

Yes, only the owner of the boat can insure it.

If your boat has joint/multiple owners, we can add more than one name to our policies to include anyone who has a financial interest in the boat.

NOTE: Policies cannot be transferred between owners. Once the boat has been sold, the original policy would need to be cancelled and the new owner can start a new policy for the boat.

Yes, this will cover you & any passengers on board at the time of an incident.

NOTE: Personal accident cover is only available to people under the age of 65. If you are over 65 your passengers would still be covered.

Personal Accident will cover you if you, or any passengers, suffer a serious injury whilst using your boat or craft. Please note cover benefits are only payable to those aged 65 or under.

Death

Covers death of insured person(s) whilst participating in the insured activity

Permanent Disablement

Loss of Sight/hands/feet
100%
Loss of one eye/hand/foot
25%
Other permanent disablement
100%

Physio
Non-national health expenses incurred by you

Broken Bones

Insured bones
• Arm (Humerus, Radius, Ulna)
• Wrist (Carpals)
• Leg (Femur, Tibia, Fibula)
• Ankle (Tarsals)
• Kneecap (Patella)

Hospitalisation

If you are required to stay in hospital for more than 24 hours. Up to a maximum of 25 days

Emergency Dental

If emergency care is required due to an accident whilst participating in the insured activity

You will be insured up to the limits as set out in your insurance schedule which you can choose at the point of purchasing the insurance.
Excesses apply to the following sections.
• Dental – 50% of the claimed amount
• Hospitalisation – time in hospital must exceed 24 hours
• Physio – 25% of the claimed amount

Our policies are designed to cover single vessels. If you have multiple boats, we will happily cover them for you, each boat will require its own individual policy.

Unfortunately, we are not able to cover foiling boats under our Insure4Boats policies.

Our sister brand Insure4Sport offers cover for foiling. Please visit the Insure4Sport Watersports Insurance page for more information.

No, our policies are designed specifically for social & pleasure use.  No business or commercial use is covered.

Yes, please see the details on our cruising ranges below:

UK-based vessels:
Inland waters - You are covered on inland waters of the UK (Excluding Lochs & Lakes), you can cross tidal waters to gain access to the next leg of your inland waters journey, but you cannot stay/remain on these waters.
Coastal Waters - You are covered on the inland & coastal waters of the UK. Up to 12 nautical miles from the shore.
European Cover - You can use your vessel on inland & coastal waters of the UK, limited to the Irish Sea, & Continental Europe. As far up but not beyond the northern coasts of Holland/Netherlands, Belgium & France, but not West of Brest and for a maximum of 60 days in any one trip.
Vessels moored in Spain, Balearic Islands, France, East Coast of Italy, Malta, West coast of Italy, Croatia, Turkey & Greece:
Mediterranean Sea - You are covered up to 12 nautical miles from shore, along the southern coast of Spain, France, Italy Croatia, Greece & Turkey but not East of 30 degrees East & excluding the waters of North Africa.
Vessels moored in the Canary Islands:
Coastal waters of the Canaries up to 50 nautical miles from shore.
Vessels based in Cyprus:
Full Mediterranean excluding the waters of North Africa, Syria, Lebanon, Israel, Egypt & Libya.
Inland Craft - UK Only:
Inland UK waters, excluding lochs & lakes.

Please be aware that for the purposes of our cover we have a specific definition of a Professionally Run Marina and that is, A secured and sheltered mooring complex, providing controlled access to berths, racking, compounds or pontoons and 24-hour manned security excluding facilities with floating or temporary breakwaters.
England - Professionally Run Marina, Ashore, Pontoon, Swing, Trot or Pile.
Wales - Professionally Run Marina or Ashore only.
Scotland - Professionally Run Marina or Ashore only.
Northern Ireland - Professionally Run Marina or Ashore only.
Isles Of Scilly - Professionally Run Marina, Ashore, Pontoon, Swing, Trot or Pile.
Isle Of Wight - Professionally Run Marina, Ashore, Pontoon, Swing, Trot or Pile.
Isle Of Man - Professionally Run Marina or Ashore only.
Jersey - Professionally Run Marina or Ashore only.
Guernsey - Professionally Run Marina or Ashore only.
Norfolk Broads - Professionally Run Marina, Pontoon, Swing, Trot or Pile.
Please be aware that as the Norfolk Broads are classed as tidal waters, inland crafts & narrowboats must be kept in a Professionally Run Marina or Ashore.
Overseas moorings - We can cover boats moored overseas, provided that you are a UK resident and your vessel is moored in a professionally run marina. The territories that we cover are:

• Balearic Islands,
• Canary Islands,
• Croatia,
• Cyprus,
• France,
• Greece,
• Italy,
• Malta,
• Turkey

Yes, the Jet Ski must be kept in a locked/secure building, and the standard Third Party Liability limit is £1 million.
We offer the option to upgrade the Third Party Liability limit to £3 million for an additional cost.

Please be aware there is no cover available for towing wakeboards/water skiers or any other toy/inflatable item, these are all excluded from cover.

Find out more about jet ski insurance.

When away from its permanent place of storage it must be stored on its trailer & securely locked to a road vehicle & the vehicle is securely locked, and the trailer is secured by a wheel clamp or other purpose-built security device OR not on a trailer but locked to an immovable object & secured by a purpose made anti-theft device.

Only people over the age of 18 can ride/drive the Jet Ski with your permission.

Contents cover is available to be selected on our Narrowboat policies if you live aboard the vessel. You do not need to provide us with all of the details about your contents, simply tell us with the total figure you would like to insure.