Our Boat (Hull & Machinery) & Third Party Liability Motor Boat Insurance has been designed to protect you and your Motor Boat against theft, accidental damage, malicious damage and salvage charges.
Our policy includes £3 million Third Party Liability cover as standard. If you’re using your Motor Boat on inland waterways, a minimum of £1 million Third Party Liability is a legal requirement.
Our Third Party Liability cover protects you if you have an accident on the water and you cause damage to another boat, someone else’s property or injure another person.
Motor Boat Insurance covers a wide range of boats, from Inland Crafts to Motor Cruisers. Motor Boats can be covered up to maximum speed of 50 knots. The following mooring types are also covered; marina, ashore and swing, trot or pile, fore, aft, and pontoon. Motor Boat Insurance is there to protect you, your boat and other boat users as a result of theft or damage to your boat, or protecting your liability in the event that your boat causes damage to another boat, property or injuries to a person.
The cost of your Motor Boat Insurance will vary, depending on a number of factors, including; the type of cover that you opt for, the maximum speed of your boat, its value, its age, the mooring location of your Motor Boat and your own age, marine experience and claims history.
Increased standard Third Party Liability cover
Increase your standard Third Party Liability cover from £3 million to £5 million.
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 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.
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.
Our flexible policies mean you can choose from two simple cover options depending on the type of insurance you need, and then add the optional extras you require.
With our Motor Boat Insurance policy, you can add on the optional extras you may need including European cover which will cover you up to 60 days at any one time on the inland and coastal waters of Europe (limited to Belgium, Holland and France but not West of Brest), and Winter cover which will allow you to use your Motor Boat on coastal waters outside of 1st April and 31st October. This does not apply to boats only used on inland waters.
Our build your own policies mean you’ll never have to pay for any unnecessary extras. Plus, we’re so confident we offer the best value Motor Boat Insurance, we even offer a Lowest Price Guarantee, meaning if you find the same cover for cheaper elsewhere, we’ll match the quote and refund the difference.
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