Motor Boat Insurance

Up to 25% no claims discount

If you’ve made no claims in the past 5 years

We won’t be beaten on price

If you find the same level of cover and policy terms elsewhere for less, we’ll beat it and refund the difference.

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60 days’ European cover

Up to 60 days’ cover at any one time for inland and certain coastal waters of Europe

Why insure your Motor Boat with us?

Our Boat (Hull & Machinery) & Third Party Liability Motor Boat Insurance has been designed to protect you and your Motor Boat against theft, accidental damage, malicious damage and salvage charges. Our policy includes £3 million Third Party Liability cover as standard. If you’re using your Motor Boat on inland waterways, a minimum of £1 million Third Party Liability is a legal requirement. Our Third Party Liability cover protects you if you have an accident on the water and you cause damage to another boat, someone else’s property or injure another person.

With our Motor Boat Insurance policy, you can add on the optional extras you may need including European cover which will cover you up to 60 days at any one time on the inland and coastal waters of Europe (limited to Belgium, Holland and France but not West of Brest), and Winter cover which will allow you to use your Motor Boat on coastal waters outside of 1st April and 31st October. This does not apply to boats only used on inland waters.

Our build your own policies mean you’ll never have to pay for any unnecessary extras. Plus, we’re so confident we offer the best value Motor Boat Insurance, we even offer a Lowest Price Guarantee, meaning if you find the same cover for cheaper elsewhere, we’ll match the quote and refund the difference.

 

About our cover:

  • Build your own policy so you don’t need to pay for cover you don’t need
  • Quickly add on European cover and Winter cover if you need it
  • £3 million Third Party Liability included as standard with all Hull & Machinery cover
  • Cruise the inland and coastal waters of the UK and Europe, exclusions apply
  • Our cover extends to any person in charge of your Motor Boat, with your permission
  • 0% APR on monthly premiums over £50
  • Up to 25% no claims discount if you’ve made no claims in the past 5 years
  • Up to 10% discount if you moor your boat in a recognised marina

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Get a Quick Quote for Motor Boat Insurance

Our flexible policies mean you can choose from two simple cover options and then add the optional extras you require, including European cover and Winter cover.

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, exclusions apply
  • Option to increase standard Liability cover from £3 million to £5 million for £40 plus IPT (insurance premium tax)

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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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What type of Optional Extras are there to choose from?

Increased standard Third Party Liability cover

Increase your standard Third Party Liability cover from £3 million to £5 million for just £40 plus IPT (insurance premium tax).

Personal Accident

This will cover you, or any passengers, up to £20,000 in compensation following a serious injury whilst using your boat or craft.

Personal Effects

Protect your personal possessions against theft loss or damage whilst on board your boat. Excludes valuables such as jewellery, cash and mobile devices

European cover

Up to a maximum of 60 days’ cover at any one time for inland and coastal waters of Europe, limited to Belgium, Holland and France but not West of Brest.

Winter cover (for coastal waters only)

Our standard policy will cover you on coastal waters from the 1st April to 31st October. If you motor outside of these months (1st November to 31st March), Winter cover is essential. If your boat is used on inland waters only, you’re covered all year round as standard.

Frost

Frost cover will protect your boat should you experience loss or damage as a result of frost or freezing.

War

Although damage caused by war, strikes, terrorism and other associated risks are rare, the damage caused can be severe. Protect your boat against these risks by adding war cover to your policy.

What does Motor Boat Insurance cover?

Motor Boat Insurance covers a wide range of boats, from Inland Crafts to Motor Cruisers. Motor Boats can be covered up to maximum speed of 50 knots. The following mooring types are also covered; marina, ashore and swing, trot or pile and pontoon. Motor Boat Insurance is there to protect you, your boat and other boat users as a result of theft or damage to your boat, or protecting your liability in the event that your boat causes damage to another boat, property or injuries to a person.  

How much is Motor Boat Insurance cover?

The cost of your Motor Boat Insurance will vary, depending on a number of factors, including; the type of cover that you opt for, the maximum speed of your boat, its value, its age, the mooring location of your Motor Boat and your own age, marine experience and claims history.

 

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Got a question?

Can’t find what you’re looking for? Call 0800 668 1661 and one of our friendly advisors will be happy to help.

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