SIB 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.

Get A Quote

Marina mooring discount

Up to 15% discount if you moor your boat in a recognised marina

Why you need soft inflatable boat (SIB) insurance

Because a SIB is lightweight, it’s more likely than other boat types to capsize or veer off course when you’re travelling at high speed.

As a result, you could be on the receiving end of a compensation claim or without your boat for a long period of time.

So, what kinds of accidents could happen on the water and why do you need SIB insurance to cover for such instances? We explain...

The risks of owning of a SIB

Although a SIB is flexible, compact and easy to store, it’s not the most stable of boats - as you probably know. If you own a SIB, any of the following could happen:

  1. You crash into another boater, injuring them or damaging their boat. They lodge a compensation claim against you.
  2. There’s a strong current and your SIB capsizes. It’s swept away by the current. As a result, you lose your SIB and need a replacement.
  3. Your SIB collides with a rock and suffers serious damage. You then need to repair it or find a replacement. Because a SIB lacks the structural integrity of a Rigid Inflatable Boat (RIB) and is lower in the water, it’s more likely to suffer damage.

If any the above happened to you and you didn’t have insurance, you’d have to pay out of your own pocket for legal fees, repairs or replacing your SIB. That’s why it’s not worth taking the unnecessary risk of not having insurance.

More info about our cover:

  • You’ll build your own bespoke policy so you don’t need to pay for any unnecessary extras
  • You’ll be covered to cruise the inland and coastal waters of the UK and Europe (exclusions apply)
  • You can extend your policy to cover any person in charge of your SIB, with your permission
  • You’ll receive up to 25% no claims discount if you’ve made no claims in the past 5 years
  • Plus, there’s up to 15% discount if you moor your SIB in a recognised marina

GET A QUOTE

Get a Quick Quote for SIB Insurance

Our flexible policies mean you can choose from two simple cover options and then add the optional extras you require, including Road Transit, European cover and Water Toy Liability.

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)

Get a quote

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

Get a quote

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

You may use your vessel on inland and coastal waters of UK, Eire but limited to the Irish Sea and Continental Europe but limited to Belgium, Holland, and France but not West of Brest for a maximum of 60 days at any one time.

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.

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.

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.

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 our SIB insurance cover?

Our SIB insurance includes Boat (Hull & Machinery) & Third Party Liability cover. This covers your SIB against loss, theft and accidental damage, as well as your potential legal fees if you damage another boat or property or injure another person.

Our SIB insurance policies include £3 million of Third Party Liability cover as standard, but you can increase this to £5 million for added protection.

With a SIB insurance policy, you can also add optional extras such as Road Transit or European cover. This means you’re covered against accidental damage caused to your SIB whilst it’s in transit and when you’re sailing abroad.

You can build your own policy, so you’ll only ever pay for the cover you need. In fact, we’re so confident we offer the best value SIB insurance, we offer a Lowest Price Guarantee. This means that, if you find the same cover for a lower price elsewhere, we’ll match it and refund the difference.

Get a quote for your SIB today

With our flexible, tailored and specialist SIB insurance, you can create the perfect policy for your boat. Get covered in a matter of minutes.

Already insured?

WIN a £200 John Lewis / Waitrose Gift Card when you share your renewal date with us.

SWITCH AND SAVE

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.

CONTACT US