Our Cover

Choosing the right insurance can be difficult, so we have designed a range of marine insurance policies for both smaller and larger vessels.

We offer boat insurance on most types of craft, whether it be a speedboat, RIB, jet ski, narrowboat, barge, yacht or a motorboat. We have a boat insurance policy which is tailor-made to suit your needs.

Is boat insurance a necessity?

Although boat insurance is not a legal requirement within the UK, it is wise to ensure that your investment is protected. Investing money into your vessel, whatever the type, is not likely to be cheap. So protecting an asset such as a yacht could be essential.

Marine insurance might also be required if you have taken out marine finance, or to comply with marina rules and waterway authorities. It is advised that any vessel owners investigate which marine insurance will cover their needs as soon as a purchase has been made. This is to ensure that your vessel is protected from the very start.

Legal Expenses Cover

Legal Expenses Cover is an optional extra and can cover you up to:

  • £150,000 for Uninsured Loss Recovery and Personal Injury Pursuit
  • £100,000 for Contract Disputes
  • £100,000 for Prosecution Defence
  • £100,000 for Identity Fraud
  • Mooring Fees

This is subject to the full terms of the policy.

Choose between our two cover options:


Provides cover for accidental damage, fire, sinking, stranding, and theft. It also has third party liability cover included, which is essential to launch and moor your vessel in harbours and marinas around the UK or abroad.

If an unfortunate incident happens unexpectedly, resulting in damage or injury, your policy would cover the costs associated with the incident.*

*Subject to terms and conditions of policy.


This is the minimum level of cover required by marinas and harbours in order to be able to launch or moor your vessel. Third party cover will provide cover for accidental damages to other vessels. The standard limit of liability is £3m but for an additional charge we can cover up to £5m.

We can also include removal of wreck and pollution liabilities*.

*Terms and conditions apply.

For a quote or advice call
01843 603345
Or email us

The difference between Market Value and Agreed Value

Market Value

In the event of a total loss claim, the amount paid to you will be determined by the value of similar vessels (of the same make, model & age) on the second-hand market. For example, if you bought a boat brand new for £10,000 two years ago and it’s only worth £7,000 second-hand now, insurers will pay £7,000 (less any policy excesses).

Agreed Value

In the event of a total loss insurers will pay the lower of:

  • the sum insured on your policy schedule
  • the most recent value of your craft obtained by an independent qualified surveyor or yacht broker
  • the advertised price or agreed sale price