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For motorboat insurance call us on 01608 647400

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Insure My MOTORBoat

Motorboat Insurance

Discover motorboat insurance options in the UK with InsureMy. Our platform simplifies the process of comparing quotes, ensuring you find affordable and customised cover to suit your needs.

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In under 2 minutes from one of our speciailist boat insurance providers

Over 25 Years

We've been providing insurance for motorboat enthusiasts

Do I Need Motorboat Insurance?

Motorboat insurance is not always a legal requirement in the UK, but if you use a powered boat on inland waterways, you’ll usually need at least £1 million third-party liability cover. Many marinas, harbours and waterways also require third-party cover before you can moor or launch.
Legal Requirements:
In some regions, having a policy is mandatory to operate a motorboat. Check your local regulations to ensure compliance.
Financial Protection:
Accidents can lead to significant financial losses. Insurance helps cover repairs, replacements, and legal fees.
Liability Cover:
If you're responsible for an accident that injures others or damages their property, liability cover can protect you from costly lawsuits.
Peace of Mind:
Knowing you're covered allows you to enjoy your boating experience without constant worry about potential mishaps.

The Cost of Motorboat Insurance

The cost of motorboat insurance can vary widely based on several factors:

Boat Value:  Higher value boats typically have higher premiums due to the increased cost of repairs or replacement.
Usage: If you use your boat frequently or for competitive purposes, your insurance may cost more.
Location: Areas prone to severe weather or high boating traffic can affect insurance costs.
Driving Record: A clean boating and driving record can help lower your premium.

£185.49

average premium per year with InsureMy

Based on InsureMy data, prices correct as of period Jun 2025 to Jun 2026

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Factors Influencing Your Premium

Understanding what affects your insurance premium can help you make informed decisions and potentially reduce costs:

Deductibles:
Choosing a higher deductible can lower your premium, but you'll pay more out-of-pocket in the event of a claim.
Safety Equipment:
Installing safety equipment such as GPS, radios, and fire extinguishers can reduce your premium.
Storage:
Storing your boat in a secure location can decrease the risk of theft or damage, leading to lower insurance costs.
Boating Education:
Completing boating safety courses can demonstrate responsible boating behaviour and may qualify you for discounts.

Why Choose InsureMy?

InsureMy helps you compare available motorboat insurance through one straightforward quote journey.
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Our UK-based team can also help if you have questions about the information required or the quote options presented to you.

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Instant Cover

Get the best price and secure your cover instantly online.

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New for Old Contents Cover

Comprehensive protection for your boat’s contents, replacing old items with new ones.

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Specialist Marine Providers

We work with specialist insurance providers that understand motorboats and marine risks.

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UK Support Team

Our experienced UK team is available to help with questions about your quote or policy.

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What Do We Cover?

What We Can Cover:

Theft, including accessories.

Accidental loss or damage including fire & storms

Third party liability cover up to £1m

Friends and family cover

Water skiing and towing

What is Not Normally Covered:

Wear and tear.

Gradual deterioration

Corrosion or electrolysis

Mechanical or electrical breakdown

Poor maintenance

Existing damage or faults

Undeclared modifications

Damage caused by an unauthorised operator

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Sailing Boat Insurance

Small yacht

Cruising Yacht Insurance

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Boat Insurance

Our Guarantee

We have a firm belief that our customers deserve the best.

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We won’t be beaten on price.

We price match all our quotes you can be confident that you’re getting the best deal.

Insurance you can trust.

We only use insurers we trust and know, our team are on hand to help.

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Frequently Asked Questions (FAQs)

What does motorboat insurance typically cover?
Is motorboat insurance mandatory?
How can I lower my motorboat insurance premium?
Does motorboat insurance cover theft?
Can I transfer my insurance if I sell my boat?

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Our team is here to help you

Our team of dedicated insurance specialists are here to help, no matter what type of query, we’re ready for you.

‍Call us on 01608 647400

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You can call us on
01608 647400
Monday - Thursday 9am - 7:30pm, Friday 9am - 5:30pm, Saturday 9am - 5pm

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