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Collisions are the number one cause of insurance claims for boats
We cover over 15 kinds of water crafts for UK boat insurance
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Navigating the waters with peace of mind begins with finding the right insurance for your boat. Our comparison engine quotes for many craft types, from yachts and motor boats to sailboats, personal watercraft like jet skis, fishing boats, and even paddleboards. With more than ten comparative prices at your fingertips you'll be able to find an insurance policy that suits your needs. Get a boat insurance quote today.
Set sail with confidence; compare protect your vessel and memories with boat insurance from InsureMy.
Covers the costs associated with removing your boat's wreckage after a covered loss, helping you manage the financial impact and comply with legal requirements for debris removal.
Provides cover for expenses incurred in recovering, preserving, or moving your boat to safety after an incident, ensuring you're not burdened by unexpected salvage expenses.
Protects you against claims made by third parties for bodily injury or property damage caused by your boat, with cover up to £5 Million
Covers damage caused intentionally by someone else, protecting your boat from acts of vandalism or destruction.
Provides financial protection in case you or your passengers are injured while using your boat.
Fire, Lightning, Explosion, and Earthquake
Provides cover for damage caused by these perils, ensuring your boat is protected.
Offers cover for your boat while cruising in European waters, allowing you to enjoy your adventures abroad with peace of mind. This feature typically includes a specific number of days and distance offshore for seamless international cruising experiences.
Covers the costs of repairs or replacement for your boat in the event of unexpected damages caused by accidents, collisions, or other unforeseen events. This coverage ensures that you can get your vessel back on the water without significant financial burden after an accident.
Theft or Attempted Theft
Provides financial protection against the loss or damage of your boat due to theft or attempted theft. This cover can help you recover the costs associated with replacing or repairing your vessel following such incidents.
Provides cover for damage caused by storms, including wind, rain, and hail.
Offers financial assistance for legal expenses arising from disputes related to your boat or its use.
Meet our boat expert
"Boat insurance is an essential aspect of owning and enjoying your vessel, protecting you from theft, accidents, and unforeseen events. Having the right cover in place is crucial for the safety and security of your boat and your precious time spent on the water. My advice to all boat owners is to invest in a comprehensive insurance policy, so you can navigate with confidence and peace of mind. After all, it's better to be prepared and protected than to find yourself in a difficult situation, wishing you had taken the necessary precautions." - Stephen Corbett, UK Boat Insurance Lead
Do I need boat insurance?
While boat insurance is not a legal requirement in the UK, it's highly advisable to have it for several reasons; Many navigation authorities, marinas, and harbours insist on at least third-party insurance to access their waterways and facilities. Without sufficient insurance, you may face limitations in where you can use or moor your boat. Moreover, if an accident occurs or if your boat is damaged or stolen, insurance can provide financial protection and peace of mind.
If you plan to use a powered boat or houseboat on inland waterways, race or charter your boat, keep it in a marina, sail in other countries, or finance your boat purchase, insurance is typically necessary. Boat insurance policies can cover various risks, including third-party liability, fire, theft, accidental damage, and personal accidents. Costs for boat insurance vary depending on factors like your boat's value, its intended use, and your experience as a skipper.
How much does boat insurance cost?
The cost of boat insurance varies widely depending on factors such as the value of your craft, how you intend to use it, where it is moored, and whether you are an experienced skipper. While you could pay less than £50 a year for third-party insurance, a fully comprehensive motorboat policy is likely to cost more than £150 a year. Keep in mind that these figures are only rough estimates, and the actual cost of your boat insurance may differ based on your individual circumstances and the specific cover you choose. To get an accurate quote, it's best to shop around and compare policies from different insurance providers.
Based on InsureMy boat quotes data, collected between January 2022 and January 2023, accurate as of February 2023
How can I get cheaper boat insurance?
Here are a few tips to help you get the cheapest boat insurance quote online.
Comparing quotes from multiple insurance providers online will help you find a policy that suits your needs and budget.
Build a no-claims discount
Maintaining a clean boating history with no claims can lead to lower insurance costs over time.
Installing security measures such as alarms or high-quality locks can result in discounts from some insurers.
Gaining helmsman, skipper, or yachtmaster qualifications can help reduce your premiums, as insurers often view experienced boaters as lower-risk clients.
Mooring your boat securely
Keeping your boat in a marina berth or a secure location can sometimes qualify you for a special discount on your insurance premium.
Seasonal or lay-up discounts
If you only use your boat during certain months, you might qualify for a discount during the off-season when your boat is not in use.
If possible, opt to pay your premium annually rather than in monthly instalments. Many insurers offer discounts for policyholders who pay upfront, and you may also avoid the additional interest charges that can accumulate with monthly payment plans.
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We Have Your Boat Covered
If it floats, we cover it! At InsureMy, we know that not every boat needs the same cover, that's why we have our panel of top UK leading brokers to help you get the policy suited for you. Set sail on your new adventure fully covered with a boat insurance online quote today!
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Frequently asked questions
Find below some of the top FAQ's when it comes to boat insurance.
What is boat insurance and why do I need it?
What types of boats can be insured with boat insurance?
What does boat insurance typically cover?
What are some common exclusions in boat insurance policies?
How much does boat insurance cost on average?
How can I lower the cost of my boat insurance?
Is boat insurance legally required in certain situations?
Can I add optional extras to my boat insurance policy, and if so, what are some examples?
Will my home insurance policy cover my boat?
What factors affect the cost of boat insurance premiums?