Our Boat (Hull & Machinery) & Third Party Liability Insurance is designed to protect your Small Open Motor Boat against theft, accidental damage, malicious damage and salvage charges. Up to £3 million Third Party Liability is included as standard and will cover you if you were to cause an accident where you damage another boat, someone else’s property or injure a person.
Small Open Motor Boat Insurance includes cover for your boat up to a maximum of 20ft. in length, providing it does not have a cabin or cuddy and can be propelled using an outbound motor with a maximum speed of 15 knots. Small Open Motor Boat Insurance is intended to protect you, your Boat and other boat users. This can include covering the costs incurred as a result of theft or damage to your boat, or protecting your liability in case your Boat was to cause damage to a property or injuries to a person.
There are a few variables which may impact how much your Small Open Motor Boat Insurance will cost. These include; the level of cover you choose, the length and value of your Small Open Motor Boat, your Small Open Motor Boat’s mooring type and your marine claim history.
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.
Increase 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).
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.
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.
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.
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.
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 Small Open Motor Boat Insurance covers boats up to 20ft in length with no cabin or cuddy and is propelled using an outboard motor with a maximum speed of 15 knots. We do not require the age of your boat to take out a policy. You can add on optional extras to your policy including Winter cover which means you can use your boat on coastal waters from the 1st November – 31st March.
You can build your own policy to suit you and your boat, so you’ll only ever pay for the cover you need. In fact, we’re so confident we offer the best value Small Open Motor Boat Insurance, we even offer a Lowest Price Guarantee, meaning if you find the same level of cover elsewhere for less, we’ll match the quote and refund the difference.
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