Boat Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs section.

Am I covered if I cause an accident damaging both my boat and someone else's?
Yes, we will provide you with up to £2.5 million public liability cover for any incident involving your vessel and public property or a third party's property, as the result of an accident.
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Can I insure my trailer/trolley under the same policy?
Yes, we provide cover for your trailer or trolley against fire, theft following forcible entry, or accidental damage when specified in your insurance policy, if normally used for transporting your craft, up to the cost price, market value or the sum insured amount (whichever is less). This is covered and included as part of your policy.
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If something happened to my boat, would you provide cover for a replacement craft?
Yes, on all policies we are able to offer hire of replacement craft, in the event of damage to your current vessel.
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What are Sighting Costs?
We cover the reasonable costs incurred for inspecting the underwater sections of the hull after an accidental grounding, regardless of whether or not any damage is subsequently found, which would be covered under your policy.
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What are the security requirements?
Please see security requirements.
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What boat types do you offer insurance cover for?
Our marine insurance covers the vast majority of boats including; canal and narrow boats, sailboards, speed and motor boats, rowing boats, canoes, kayaks and sailing dinghies.
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What do you mean by Salvage Charges?
We cover the reasonable costs incurred in minimising or averting loss or in saving the craft from damage or a loss which may be covered under your policy.
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What is an excess?
Excess is the amount that you have to pay towards each claim. The exact excess varies dependant on the policy chosen. For full details please refer to each specific scheme.
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