Small Open 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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Winter cover for your Boat

Protect your Boat on coastal waters when you motor outside of 1st April - 31st October

Why insure your Small Open Motor Boat with us?

Our Boat (Hull & Machinery) & Third Party Liability Insurance is designed to protect your Small Open Motor Boat against theft, accidental damage, malicious damage and salvage charges. Up to £3 million Third Party Liability is included as standard and will cover you if you were to cause an accident where you damage another boat, someone else’s property or injure a person. Our Small Open Motor Boat Insurance covers boats up to 20ft in length and we do not require the age or speed of your boat to take out a policy. You can add on optional extras to your policy including Winter cover which means you can use your boat on coastal waters from the 1st November – 31st March.

You can build your own policy to suit you and your boat, so you’ll only ever pay for the cover you need. In fact, we’re so confident we offer the best value Small Open Motor Boat Insurance, we even offer a Lowest Price Guarantee, meaning if you find the same level of cover elsewhere for less, we’ll match the quote and refund the difference.

 

About our cover:

  • Build your own policy so you don’t need to pay for any unnecessary extras
  • Quickly add on Winter cover and Road Transit if you need it
  • £3 million Third Party Liability included as standard with all policies
  • Our cover extends to any person in charge of your Small Open Motor Boat, with your permission
  • 0% APR on all 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

Get a Quick Quote for Small Open Motor Boat Insurance

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

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?

Increase 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).

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.

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.

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.

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.

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 Small Open Motor Boat Insurance cover?

Small Open Motor Boat Insurance includes cover for your boat up to a maximum of 20ft. in length, providing it does not have a cabin or cuddy and can be propelled using an outbound motor. Small Open Motor Boat Insurance is intended to protect you, your Boat and other boat users. This can include covering the costs incurred as a result of theft or damage to your boat, or protecting your liability in case your Boat was to cause damage to a property or injuries to a person.

 

How much is Small Open Motor Boat Insurance cover?

There are a few variables which may impact how much your Small Open Motor Boat Insurance will cost. These include; the level of cover you choose, the length and value of your Small Open Motor Boat, your Small Open Motor Boat’s mooring type and your marine claim history.

Already insured?

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

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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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