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Third party boat insurance

03308 224 249

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
  • 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

The UK and all European Waters.

You and any suitably experienced friends or family members you give permission to use.

It is not usually necessary to provide a survey for third party insurance cover.

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.

Where you are legally liable, the insurer will pay up to £15,000 towards removal of wreck.

Online or over the phone - our experts are on hand to support you.