Cover options

Our flexible policies mean you can choose from two simple cover options depending on the type of insurance you need, 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)

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 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). Please note, this does not apply to Jet Ski's.

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.

European cover (Sport Craft only)

Up to a maximum of 90 days cover at any one time for inland and coastal waters of Europe.

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.

Contents cover (Narrowboats)

Protect your personal content items which are kept onboard your Narrowboat against theft, loss or accidental damage. There’s no need to list every item, simply tell us the total value.

Frost

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

Road Transit

If you regularly tow your boat between where you motor and where you keep it, make sure it’s covered in transit against accidental damage, theft or loss, by adding Road Transit to your policy.

Water Ski Liability

Add Water Ski Liability cover to protect yourself if you cause any damage to property or injure another person when out on the water.

Water Toy Liability

Protect yourself against any legal claims, if you injure another person or damage their property when towing water toys like Ringos, Donuts, Riders or Banana boats.

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.

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