Yes, we do provide cover for Covid 19 under the Cancellation and Medical Expenses sections of the policy. Reference should be made to the policy for full details of restrictions, limitations and conditions that apply to this cover.
Marine travel insurance for all your sailing holidays
Our policies provide all the cover you’d expect from an annual multi-trip travel policy. But our policies are specially created to cover sailing and other waterborne activities as standard.
We can also provide cover for single trips, or long-term Medical & Repatriation insurance, which is particularly suitable if you’re living aboard your sailing vessel.
Key features and benefits
Our annual travel insurance for sailors includes:
- Standard cover includes offshore sailing without restriction, and races up to 150 nm in length (can be extended upon request)
- Enhanced cover for RYA Gold members
- Cover available for skippers and crew working abroad on vessels.
Plus, key optional extras if needs be
- Business cover
- Extension to maximum trip length for either 62 or 90 days (up to age 69).
Get sailing travel insurance cover now
Buy online today using our quick quote and buy – our experts are always on hand to support you.
What is covered?
The annual multi-trip yachtsman travel insurance policy includes:
- Worldwide cover (see list of excluded countries here)
- Cover available up to 69 years of age (single trip policies available on request for persons up to 79 years of age. Please call our team to discuss)
- Cover for up to 45 days on any one trip (this can be extended)
- £5 million medical and additional expenses cover
- £5,000 cancellation or curtailment cover
- £25,000 legal expenses cover
- £20,000 personal accident cover
- £2,000 personal baggage cover with £750 money cover
- 17 days winter sports cover.
What's not insured?
- Medical and Additional Expenses
Any expenses incurred more than 12 months after the date the first expense was incurred, or any continuing expense if the Insured Person has refused the option of repatriation to the United Kingdom. - Cancellation and Curtailment
Any condition or set of circumstances known to exist and which could have been expected to cause the trip to be cancelled or curtailed. Any costs or expenses claimable under the Package Travel and Linked Travel Arrangements Regulations 2018, ATOL Regulations or Section 75 of the Consumer Credit Act. - Personal Liability
The ownership, possession or use of any horse drawn or mechanically propelled vehicle (other than golf buggies), aircraft, waterborne craft (other than sailboards, surfboards, canoes, rowing dinghies, foot or hand propelled paddle boats, and inflatable dinghies), firearms, animals or drones. - Personal Baggage, Clothing or Effects
Unattended personal effects, travellers’ cheques or money. Money or valuables lost or stolen if not reported to the police and written statement obtained. - Yacht Hire Excess Waiver
Losses where the insured person has not taken up all comprehensive insurance or waivers offered by the licensed charter agency against loss or damage to the charter yacht (whether discretionary or mandatory).
Not sure what sailing travel cover you need?
No problem, we'd love to talk to you and help where we can - call an expert now. We can help you with arrangements for sailing holiday insurance.
Why choose us for your sailing travel insurance arrangements?
Our team is different because we understand the lifestyle of owning a boat.
Having boat insurance experts 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 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.
Pre-existing medical conditions
Please contact us in the first instance to discuss your requirement.
Sometimes we can’t offer cover for certain existing medical conditions. If we can’t cover an existing medical condition, help is still available. You may be able to get cover from a specialist medical insurer instead.
The Financial Conduct Authority (FCA) have worked with firms to create a Medical Cover Firm Directory. The directory lists all the firms that may be able to provide a policy to cover your medical conditions.
About this directory:
They can't provide quotes - but they can direct you to specialist firms that can. All firms are authorised and regulated by the Financial Conduct Authority (FCA) and have been through a rigorous selection process to prove their specialism.
The link provided below is an external link to a publicly available directory that only lists firms that provide or arrange travel insurance policies that cover more serious medical conditions.
What are the benefits?
Some of the advantages of using the directory may make it easier for you to navigate the available market and make it more likely in finding a firm who:
· Is willing to offer cover for your condition.
· Is willing to offer cover for your condition without specific exclusions.
· Is willing to offer cover for your condition at a more affordable price.
How can I access the directory
You can find the travel insurance directory on the Money Helper website, or give them a call on 0800 138 7777 (available Monday to Friday 8am to 6pm except Bank Holidays).
Marine travel insurance FAQs
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If you're planning a sailing trip abroad, our annual multi-trip yachtsman travel insurance can save you time and hassle. We can offer instant quotes online, with single trip and liveaboard policies also available.
We can also arrange single trip travel insurance policies as well as medical and repatriation only cover for people who need to spend longer periods away in one or more trips, such as round the world sailors.
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Yes, there is no distance limit on the length of a voyage (other than racing).
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In certain circumstances the insures will cover pre-existing medical conditions – if you have any questions please contact the office for advice.
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We offer a policy covering Medical & Repatriation expenses only – this can be useful for people undertaking longer voyages on their own boats who may not need cancellation cover.
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Recreational SCUBA diving is covered to a depth of 30 Metres.
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Yes – our policies cover sailing within the chosen area without distance restriction (other than races of more than 150 nm total distance).
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Yes, all our policies cover sailing as an activity and, subject to policy terms and conditions, would cover injuries sustained whilst doing so.
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No, cover can only be arranged prior to you leaving your home address. In some circumstances we can arrange an extension of cover for existing policyholders. To discuss this, please call our team on 0204 579 2080.
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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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