Motorboat Insurance

We have a tailor-made motorboat policy that offers quality cover at a competitive price. We insure all types of motor cruisers, large and small, slow and fast.

All of our policies cover up to £5m Third Party Liability as standard. This is a requirement of all marinas and harbours prior to launching/berthing. We can also include various levels of liability for waterskiing and the towing of inflatable toys.

In addition, we cover your vessel whilst being towed by your vehicle anywhere in the UK (and Europe – subject to prior agreement). However, please note that the liabilities of towing will be the responsibility of your car insurance.

Security and mooring

We are able to cover your vessel on a wide variety of locations for both the storage and the mooring of your boat. In terms of storage ashore, your vessel may be kept in either a locked building, your home driveway, or in a locked compound (subject to you meeting our storage conditions).

We can cover the boat if it is left afloat unattended, however this would be subject to our prior agreement of the mooring location.

We cover vessels whilst moored in most marinas
  • Personal Accident automatically included
  • We can cover skipper charter use (Thrill rides excluded)
  • Standard Public Liability limit of up to £5m
  • Marina benefits
  • Optional personal belongings can be added
  • Optional waterskiing and towing toys liability cover available
  • We cover UK and European waters (excluding war zones)
  • We offer 12 months in commission policies at no extra charge
  • Club use
  • Free UK road transit for motorboats under 9 metres
  • Additional items you may have, such as your tender, outboard, life raft, and personal effects

To insure your bass boat, bay boat, bowrider, cruiser, deck boat or any other motor cruiser, request a quote here:

Discounts are available for Passenger Boat Association members and RYA qualification holders.

Cover Options


Our fully comprehensive cover provides insurance for accidental losses and damage to your vessel. It also includes liability cover, which is essential for you to launch and moor your vessel in harbours and marinas around the UK and abroad.


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 damage to other vessels only.

For a quote or advice from our award winning team call
01843 603345
Ready to get cover?
What our clients say
Many sincere thanks for your highly efficient handling of this insurance.
John & Janine Welch

Frequently Asked Questions

How do I choose the sum insured?

The sum insured is the maximum you’ll receive after a total loss of your vessel and it should reflect its current market value. The sum insured is usually based on the price you paid. If you think the current market value is higher than the price paid, we’ll ask to see an independent written valuation to support this.

Are friends and family covered to use my boat?

Yes, assuming they have your permission and you’re confident they can handle the boat safely.

Will you need a survey to insure my boat?

We usually ask for a survey for boats over 25 feet in length and over 35 years old, but some boats will require a survey before this. Once a survey has been approved, you won’t need another for at least five years.

What if I use my boat for racing?

Racing cover can be added to yacht policies for an additional premium – we’ll need to know the value of masts, spars, sails and rigging. We can arrange cover for racing all year, or just a one-off event.

What is an excess?

The excess is the amount that you have to contribute towards each claim, shown in your policy schedule. A discount is usually available if you choose to accept a higher excess on your policy.

boat docked at a harbour

Refer us to your friends

Were you happy with our service? Refer us to your friends and you could each receive £20!