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Motorboat insurance

Join our family of motorboat owners for comprehensive cover you can trust.

Insurance for motorboat owners

We know you chose your motorboat carefully to suit your lifestyle. That’s why our specialist motorboat insurance team will work closely with you to get to know you and what cover you’re looking for. This will help us find you cover that takes all of your individual needs into account.

Our features and benefits

  • Damage to underwater gear and equipment 
  • Road transit up to 9 metres with option to extend
  • No excess on non-fault claims whilst moored in a UK marina
  • Up to 25% no claims bonus protected
  • In-house claims team to support you from start to finish
  • RYA member discount.

Including protection from the unforeseen

  • Accidental damage including fire and theft
  • Personal accident cover
  • £5 million third party liability cover.

Get a quote for motorboat insurance cover 

Call us or request a quote today – our experts are always on hand to support you.

93% of our customers would recommend our service

What's covered in our motor boat insurance policies?

We’re always transparent about what’s included in our motorboat insurance cover. But if you’re not sure what kind of cover you need, our friendly team is always happy to help.

We take your personal requirements into account to provide you with the level of cover that’s right for you.

We're unable to quote for steamboats online. Please call the team to get a quote.

What is insured?

Please note this list is not exhaustive – refer to full policy document for details.

Cover for you and your motorboat:

  • Loss or damage to your insured property by one or more of the following: accident, fire, theft, malicious damage and vandalism
  • Loss or damage occurring during hauling out, launching and lifting by crane, including fitting out and overhauling
  • Loss or damage whilst in transit by road included as standard for vessels up to 9 metres in length
  • Liability to third parties and non-fare paying passengers ‒ £5 million as standard
  • Your legal costs in settling or defending a claim, solicitor’s fees and other expenses relating to official enquiries or a coroner’s inquest

What is not insured?

  • The cost of repairing or replacing any part that is lost or damaged because it is faulty
  • Loss or damage caused by insects, marine borers, barnacles, marine growth, fungi or molluscs
  • Any liabilities incurred whilst your boat is being used by, or is in the custody or control of any person employed in the marine trade in conjunction with their business.

Get a quote for motorboat insurance cover 

Call us or request a quote today – our experts are always on hand to support you.

93% of our customers would recommend our service

So easy and simple. I phoned up and within 10 minutes I had the insurance I wanted.


Why insure your motorboat with us?

Our team is different because we understand the lifestyle of owning a motorboat.

Having our motorboat insurance experts do all the hard work lets you get back to enjoying 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
  • Market value and agreed value policies
  • 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 are 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 motorboat 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
  • Provide proactive risk management advice to protect your boat
  • Make it easy for you to make changes to your cover throughout the year.

We'll go the extra mile when you need us to

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 motor 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

No, motor boats can be covered in international waters, as well as inland waters. We can arrange the right protection to suit your needs.

Generally, yes. Your cover will include any no claims bonus that you have built up.

Be sure to read your policy wording carefully to ensure there aren’t any terms that render your no claims void.

Please contact us, we are happy to explain your boat insurance cover if you’re unsure about anything.

We can explain the full details to ensure we protect your boat and that you have enough cover.

Please get in touch by phone or via the portal and we’ll make the requested changes to your boat insurance. Please call us 0204 579 2080, go to our claims page or log-in to the portal and follow the instructions there. If you have any questions, just get in touch with us and we’ll be happy to talk you through the process. For valid claims, legal liability and defence covered, optional marine legal expenses cover is also available. Our policies cover outboard motors fitted to your boat, both whilst in use and also whilst your boat is moored or in storage. Security requirements may apply, please contact us to discuss. Yes cover can be extended for an additional premium to include third party liability for the towing of a water skier or wakeboarder. It can also be extended to include the towing of a single inflatable toy designed to carry no more than 2 people. The limit of third party liability for this extension is £3 million. Having a minimum of third party liability insurance provides peace of mind should you become legally liable for damage or injury to a third party. You may also require proof of third party liability insurance cover if you wish to use the inland waterways network or launch from your local slipway.

While it is not usually a legal requirement on most waters, having appropriate cover makes sound financial sense. Marine mortgage companies for instance insist on compulsory insurance as part of their money lending process. However, there are two stand-out reasons why boat insurance is important:

  1. Firstly you have to protect your capital investment against loss or damage which ultimately could result in a large and costly repair bill if the worst were to happen.
  2. Secondly having adequate boat insurance can help to protect you against any third party liability for injury or damage caused by you or your vessel. Third party liability is usually the most frequent claim we receive when it comes to boat insurance.
Online or over the phone - our experts are on hand to support you.