It is not usually necessary to provide a survey for third party insurance cover.
Basic boat insurance for sailing enthusiasts
Third party liability insurance is essential cover for boat owners. It provides protection against claims from third parties for damage to their property or for injury or death that may arise from the use of your boat.
Our features and benefits
- £3,000,000 limit of indemnity
- Cover in all UK and European waters excluding Italian waters. (Cover for Italian Waters is available on referral and only when an Italian certificate of insurance has been issued to you).
- Up to £15,000 costs for removal of wreck where it's your legal liability to do so
- No requirement for a survey
- No excess on claims.
Plus a key optional extra, if you need it
- Cover for liability whilst towing water-skiers (on sports boats)
Having basic boat liability insurance such as third party cover is often a requirement for using inland waterways, to launch your boat, or to keep it in a marina.
Get third party boat insurance cover
Buy online today using our quick quote and buy – our experts are always on hand to support you.
What's covered in our third party liability insurance?
Simply put, you'll have £3 million cover for all sums that you legally have to pay as a result of owning your boat, including:
- Death or, injury to third parties, including your passengers
- Damage to property owned by third parties
- Cover for removal of wreck where you are legally liable (up to £15,000)
Please note this list is not exhaustive – refer to full policy document for details.
Why choose us for third party boat insurance?
Our team is different because we understand the lifestyle of owning a boat.
Having boat insurance specialists do the hard work for you will help you enjoy your hobby with confidence and peace of mind.
We’re proud to offer:
- 40 years of marine broking experience, backed by the world’s leading insurance broker and risk adviser
- Real people giving you a personalised service
- A diverse team passionate about boats
- A trusted partner of the RYA
- Quality products backed by A-rated insurers
- The flexibility to buy the way you want – online or over the phone
- Access to our friendly team who is always on hand to help, especially if buying online isn’t quite right for you.
Our promise to you
We take third party boat insurance seriously, so you’ll always know you’re in the right hands. We promise to:
- Represent your interests at the time of a claim to get you the very best outcome
- Give proactive risk management advice to protect your boat
- Make it easy to make changes to your cover throughout the year.
Going the extra mile
Our dedicated team loves to answer your questions and go the extra mile wherever they can. And we’re not just boat experts, we’re also experts in:
- Finding solutions to fit clients’ complex needs
- Explaining policy conditions and exclusions so you don’t fall foul of them
- Explaining the risks to new boat owners
- Walking you through the whole process of insuring your vessel.
Still not sure what boat insurance you need?
No problem, we'd love to talk to you about your needs. Call an expert now or get a quote online.
Frequently Asked Questions
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The UK and all European Waters excluding Italian waters. (Cover for Italian Waters is available on referral and only when an Italian certificate of insurance has been issued to you).
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You and any suitably experienced friends or family members you give permission to use.
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It may be possible to increase this cover (at an additional third party boat insurance cost). Please contact the team with your requirements and they will be happy to help.
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Where you are legally liable, the insurer will pay up to £15,000 towards removal of wreck.
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Yes. All new policies sold online and renewals can be paid for by Debit and Credit Card. Some policies have an option to pay by finance which is offered via Close Brothers Premium Finance.
Whilst not offered online, some Insurers may also offer a direct debit. Please contact us if you wish to learn of different methods of payment and whether Direct Debit is offered or if you wish to pay via finance.
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We make individual client administration charges per policy (up to a maximum of 3 policies, per policy period) to cover the costs associated with administering your insurances e.g. arranging a new policy, carrying out short-period or mid-term cancellations, mid-term changes, providing replacement or duplicate documents and for other administrative tasks. We will advise you of the amount of fee before you become liable to pay it. Individual charges will not be made in relation to employee benefit related products.
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Our portal provides 24/7 access to your account and policy documents.
The portal enables us to be more environmentally friendly as we reduce the amount of printed policies and adopt a digital approach.
To access your documents, simply log into your Account, click on "Your Policies" and then select the "View" button on the policy. From here you can download the document if needed.
Please note that under your account, there is a button titled "Documents". This button is for uploading documents and not for accessing your policy documents.
Log-in to portal
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Yes. You can manage your policy renewal online. We will inform you by email within 28 days before your renewal date and upload all your renewal documentation onto the portal for you to review.
If you have not heard from us prior to the renewal, please check your documentation carefully in case there has been a change to your circumstances to prevent accidental underinsurance or a gap in cover.
You can also make payment online for your renewal by card and where applicable by Premium Finance or Direct Debit. If you had paid your previous years policy by Direct Debit, please contact us as it is not uncommon for renewals on Direct Debits to renew automatically.
Please don't assume your policy has been renewed until you have received confirmation from us.
If you are concerned about your policy, please call us prior to the date of renewal and one of our Team will be happy assist you.
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Unfortunately you can not make changes online. If you need to make any changes to your policy please contact us on 0204 579 8057 or by email at insurance@bishopskinner.com.
Any cancellation will also need to be handled offline. Please note that all policies are contracts and there may be stipulations that could affect any refund amount due. Such examples include:
- Any claims made within the period of insurance (excluding claims made in previous years unless made under Professional Indemnity or claims that have been settled as non fault or where the claim has been settled with no payment being made).
- The Insurers terms and conditions stated within the Policy Wording states that any cancellation in cover are non refundable.
- Some Insurers may place a condition that if a refund is below a set amount, there will be no refund due to processing fees.
Should you wish to discuss this in more detail or to check if any of the above applies to your policy, please contact us and one of our Team will advise you accordingly.
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The knowledge that experienced claims professionals will support you is just as important as the policy cover.
Our dedicated in-house claims team will be by your side, fighting your corner from start to finish. We promise to be there when it matters most.
Our claims service
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