Our Boat (Hull & Machinery) & Third Party Liability cover will protect your Sailing Boat against theft, accidental damage, malicious damage and salvage charges. This cover also includes up to £3 million Third Party Liability as standard. Boat (Hull & Machinery) Sailing Boat Insurance also covers you for racing (local club racing only if your boat is 27ft or larger). So, if you take part in club-organised races in your Sailing Boat, we’ll cover you for races that take place at your club as well as those organised by other local sailing clubs.
Sailing Boat Insurance will cover your boat up to a maximum of 50ft. in length. Sailing Boat hull types covered include, monohull and catamarans. Marinas, ashore, pontoon and swing, trot or pile are all mooring types that can be covered on a Sailing Boat Insurance policy. Racing is covered as standard, but restricted to local club racing if your boat is 27ft or larger. Sailing Boat Insurance will protect your boat against theft or damage, or protect your liability if your boat causes damage to another boat, property, or injury to a person.
There are a few variables which may impact how much your Sailing Boat Insurance will cost. These include; the level of cover you choose, the value of your Sailing Boat, the age of your sailing boat, your age and marine claims history and whether you want to cover your contents.
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.
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 sail 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.
With a Sailing Boat Insurance policy, you can add on a range of optional extras including; European cover, Personal Accident and Winter cover.
Our build your own Sailing Boat Insurance policies have been rubberstamped with a Lowest Price Guarantee. This means, if you find the same cover for cheaper elsewhere, we’ll match the quote and refund the difference - we won’t be beaten on price.
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