Specialist Liveaboard Boat Insurance

Up to 25% no claims discount

If you've made no claims in the past 5 years.

Ripe Guarantee

You’ll know exactly what to expect - great cover and exceptional service at the right price.

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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

Tailored Liveaboard Boat insurance from specialists you can trust

Embarking on a liveaboard boat journey brings its own set of challenges in navigating the unpredictable waters. At Insure4Boats, we understand the importance of ensuring you're protected throughout your voyage. With our online quote process, you can easily tailor a policy that precisely matches your unique requirements and the specifications of your boat. Within minutes, you can secure the cover you need before embarking on your next exciting adventure. 

What can our Liveaboard insurance cover?

  • £3 million Third Party Liability
  • Accidental loss or damage to your boat
  • Theft of your boat
  • Legal costs incurred due to damage or injury to a third-party boat, person or property

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Why insure your liveaboard Boat with us?

  • Choose the cover you want and never pay for extras you don’t need
  • Up to 25% no claims discount if you’ve made no claims in the past 5 years
  • Frost cover 
  • Contents cover

 

Get a Quick Quote for Liveaboard Boat Insurance

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

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).

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)

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

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.

Already insured?

No problem. You can set your policy to start anytime in the next 90 days so you can be covered when you need it.

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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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