Sailing 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 Sailing Boat with us?

Our Boat (Hull & Machinery) & Third Party Liability cover will protect your Sailing Boat against theft, accidental damage, malicious damage and salvage charges. This cover also includes up to £3 million Third Party Liability as standard. Boat (Hull & Machinery) Sailing Boat Insurance also covers you for local club racing. So, if you take part in club-organised races in your Sailing Boat, we’ll cover you for races that take place at your club as well as those organised by other local sailing clubs. With a Sailing Boat Insurance policy, you can add on a range of optional extras including; European cover, Personal Accident and Winter cover.  

Our build your own Sailing Boat Insurance policies have been rubberstamped with a Lowest Price Guarantee. This means, if you find the same cover for cheaper elsewhere, we’ll match the quote and refund the difference - we won’t be beaten on price.

About our cover:

  • Build your own policy so you don’t need to pay for cover you don’t need
  • Quickly select your European mooring location if your Sailing Boat is permanently moored in Europe
  • £3 million Third Party Liability included as standard with all policies
  • Sail the inland and coastal waters of the UK and Europe, exclusions apply
  • Our cover extends to any person in charge of your Sailing Boat, with your permission
  • 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 Sailing 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
  • 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 sail 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 Sailing Boat Insurance cover?

Sailing Boat Insurance will cover your boat up to a maximum of 50ft. in length. Sailing Boat hull types covered include, monohull and catamarans. Marinas, ashore, pontoon and swing, trot or pile are all mooring types that can be covered on a Sailing Boat Insurance policy. Included as standard is local club racing only.  Sailing Boat Insurance will protect your boat against theft or damage, or protect your liability if your boat causes damage to another boat, property, or injury to a person.

 

How much is Sailing Boat Insurance?

There are a few variables which may impact how much your Sailing Boat Insurance will cost. These include; the level of cover you choose, the value of your Sailing Boat, the age of your sailing boat, your age and marine claims history and whether you want to cover your contents.

Already insured?

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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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