Insurance you can rely on
Quality, reliability and performance – all the things you expect from your boat need to be matched by your motorboat insurance. You need total confidence in the cover provided to protect your pride and joy, and with over 30 years’ experience specialising in boat insurance we understand the issues boat owners may face. We offer a 5 star rated “All Risks Boat Insurance Policy” reviewed and awarded by an independent panel of insurance brokers, highlighting our customer driven approach and the range of additional benefits designed for you.
Operations and Quality Assurance
We are passionate about delivering exceptional customer service. It’s all about deliverance and getting the right result, to ensure this we listen to our clients.
What does it cover?
All risks cover
- Cover for loss, damage, theft and third party liability
- Agreed value policy
- Outboard motors and tenders covered up to £350 without declaration (increases available)
- Personal Belongings automatically covered up to £1000 without declaration (increases available)
- Emergency Medical Expenses and Personal Accident cover is provided
- Cover for the vessel to be navigated single handed for up to 18 consecutive hours
- No excess deducted for loss or damage claims caused by an uninsured third party
- No excess on claims that arise while your vessel is moored on a pontoon berth or in a marina
- 10% discount if moored in a UK marina
- Option to add Marine Legal Protection cover
Third party only cover
- Cover for damage to any other vessel or property that you are legally liable to pay
- Cover for death and injury that you are legally liable to pay
- Cover for pollution that you are legally liable to pay
- Cover for emergency medical expenses and personal accidents
- No excess deducted on this policy
Where and how a vessel is moored can affect the risk a boat faces. It also affects the insurer's assessment of the risk and its rating, terms and conditions. Generally, subject to any specific terms and conditions, the insurance covers the vessel ashore and afloat, and includes hauling and launching. Different moorings can carry different conditions and limitations and it is important that these are understood.
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue. If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
Apart from the restrictions noted below, it is usual for an insurance to cover anyone driving your boat with your permission. It is worth noting however, that minors under 18 years old are not usually covered to drive the vessel without an adult being on board and in charge at all times. If there is someone who will regularly use the boat, whether or not you are on board, it is advisable to inform the insurer. Give details of the name, age, record and experience, together with any claims history of this person.
Anyone borrowing the boat should also be made aware of any limitations to the insurance, in particular, where the boat may be used or moored. Under our MS Amlin All Risks Boat Insurance Policy there are specific references to restrictions as to who may "drive" the boat as below:
- If you give permission for someone else to be in charge of your vessel you must take steps to ensure they have the experience to do so.
- There is no liability cover for anyone operating, managing or working upon the vessel who is employed by a shipyard, repair yard, marina, yacht club, sales agency, delivery contractor or similar organisation. Therefore if anyone covered by these categories is going to drive your boat it is essential that they confirm they have their own professional indemnity cover.
- If you are lending your boat for any form of "consideration", this will not be considered “private pleasure use" and will be deemed "hire or reward". This use is normally excluded under insurance policies unless insurers have given their prior agreement to such use.
- If you are arranging for a delivery skipper to sail or deliver you vessel you should obtain a copy of the skipper and crews sailing CV and make sure that they have the appropriate Professional indemnity insurance in place as insurers will often want to see this prior to agreeing cover.
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue.
If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
Call our team of experts on
+44 (0)1732 223650
Mon - Fri 9am-5pm (excluding public holidays)