Our SIB insurance includes Boat (Hull & Machinery) & Third Party Liability cover. This covers your SIB against loss, theft and accidental damage, as well as your potential legal fees if you damage another boat or property or injure another person.
Our SIB insurance policies include £3 million of Third Party Liability cover as standard.
Our SIB insurance includes Boat (Hull & Machinery) & Third Party Liability cover. This covers your SIB against loss, theft and accidental damage, as well as your potential legal fees if you damage another boat or property or injure another person.
Our SIB insurance policies include £3 million of Third Party Liability cover as standard, but you can increase this to £5 million for added protection.
With a SIB insurance policy, you can also add optional extras such as Road Transit or European cover. This means you’re covered against accidental damage caused to your SIB whilst it’s in transit and when you’re sailing abroad.
You can build your own policy, so you’ll only ever pay for the cover you need. In fact, we’re so confident we offer the best value SIB insurance, we offer a Lowest Price Guarantee. This means that, if you find the same cover for a lower price elsewhere, we’ll match it and refund the difference.
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 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.
Water Ski Liability
Add Water Ski Liability cover to protect yourself if you cause any damage to property or injure another person when out on the water.
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.
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.
Because a SIB is lightweight, it’s more likely than other boat types to capsize or veer off course when you’re travelling at high speed.
As a result, you could be on the receiving end of a compensation claim or without your boat for a long period of time.
So, what kinds of accidents could happen on the water and why do you need SIB insurance to cover for such instances? We explain...
Although a SIB is flexible, compact and easy to store, it’s not the most stable of boats - as you probably know. If you own a SIB, any of the following could happen:
- You crash into another boater, injuring them or damaging their boat. They lodge a compensation claim against you.
- There’s a strong current and your SIB capsizes. It’s swept away by the current. As a result, you lose your SIB and need a replacement.
- Your SIB collides with a rock and suffers serious damage. You then need to repair it or find a replacement. Because a SIB lacks the structural integrity of a Rigid Inflatable Boat (RIB) and is lower in the water, it’s more likely to suffer damage.
If any the above happened to you and you didn’t have insurance, you’d have to pay out of your own pocket for legal fees, repairs or replacing your SIB. That’s why it’s not worth taking the unnecessary risk of not having insurance.
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