Up to {{vm.discount}} % off

Specialist Boat Insurance through Insure4Boats

Up to 25% no claims discount

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

Up to £3m Public Liability

Get third-party cover for added protection on the water.

Marina mooring discount

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

Why choose Insure4Boats for boat insurance?

Whatever type of boat you own, boat insurance is an important consideration when it comes to protecting it and you.

Specialist boat insurance through Insure4Boats covers your boat against theft, loss, and damage. Plus, policies are flexible, so you can choose from a wide range of optional extras, such as European cover, if needed.

You’ll also get up to £3m worth of Third Party Liability Insurance for extra protection and peace of mind should you have a boating accident, causing damage to another boat or injury to another person on the water.

What does boat insurance cover? 

At Insure4Boats, boat insurance is flexible. You can choose from two simple cover options to start with and add the optional extras you require on top.

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)

Get a quick 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 quick quote

How much does boat insurance cost?

The cost of your boat insurance can depend on several factors, such as your age, sailing experience, boat value, and claims history.

There are many different types of boats, so the best way to find out what your cover could cost is to get a bespoke quote online, telling us more about your specific requirements.

Depending on your boat type, you could also get up to a 25% No Claims Discount if you’ve made no claims in the past five years and up to 15% off if you moor your boat in a recognised marina*.

Full terms and conditions can be found in our Policy Wording documents.

Refer your friends and you’ll both be rewarded

If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!

Find out more

Private clients

For boats over the value of £500,000. With an in-depth understanding of marine insurance, we can offer you complete choice and flexibility when crafting your cover. Our expert advisers will build you a totally bespoke quote based on a detailed discussion about your vessel, your experience and where you sail.

Boat insurance FAQs

Is boat insurance a legal requirement? chevron_down

No, boat insurance is not currently a legal requirement in the UK. However, proof of valid insurance such as Third Party Liability is often required to gain entry to some marinas, harbours, and inland waterways.

What is classed as inland waters? chevron_down

Inland waters refers to all water bodies within a country’s land territory that are not part of the sea. Inland waters can include but are not limited to canals, rivers, lakes, and reservoirs. 

Do Third Party Liability only policies still cover salvage charges? chevron_down

No, you would need to take out a Boat (Hull & Machinery) policy to be covered for salvage charges.

What type of boat survey do I need and when? chevron_down

If your boat is more than 30 years old, you must have had an out of water condition survey from an independent, qualified marine surveyor within the last three years in order to be covered in the event of a claim.

Please note that this only refers to Boat (Hull & Machinery) & Third Party Liability policies, and not Third Party Liability only policies.

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.

GET A QUOTE

To make a claim...

In the event of you needing to make a claim, simply call +44 (0)800 997 8986 and you’ll be in the capable hands of our advisors.

CONTACT US

 

*A secured and sheltered mooring complex, providing controlled access to berths, racking, compounds or pontoons, and 24-hour manned securing excluding facilities with floating or temporary breakwaters.

**Discount is not available on narrowboats or to customers who live aboard their boat and who use it as their primary residence. Applicable discount applies to the policy premium only.