Boat Insurance at competitive prices

Boat insurance is protection for you and your boat against the risks of using your boat on inland waterways or the sea. Boat insurance can cover theft, loss or damage plus third-party claims if you accidentally injure someone or damage their property while operating your boat.

While your policy will depend on the type of boat you’re insuring, boat insurance policies typically cover:

• Third-party liability claims.
• No excess for third-party claims for loss or damage.
• Boat's agreed value in the event of a total loss.
• Machinery damage and theft.

Additionally, depending on the type of vessel, policies may cover medical expenses, legal protection, and personal accident cover.

For more information on specific cover details, visit the page for the boat you want to cover, where you can find the product information document for each boat type.

There are several standard details that a boat insurance policy through GJW won’t cover, including:

• Wear and tear and lack of maintenance.
• The cost of repairing or replacing a latently defective part/item.  
• A fault in design or construction.
• Defective workmanship.
• Wilful misconduct and your own deliberate acts.
• Mechanical or electrical breakdown.
• Theft of any item that does not meet the security requirements listed in the product information document. 

To see the full list of what boat insurance does not cover, visit the page for the boat type you want to cover, and read the product information document. 

Boat insurance is not a legal requirement in the UK however many marinas and boating clubs will require proof of cover to access their facilities or become a member.  

Third-party insurance is often the minimum level of insurance required by Marinas, Harbours and UK inland waterways for you to access their facilities or waters, so it is an important consideration.

Third-party liability boat insurance protects you against any claims made against you if you accidentally injure another person or damage another person’s boat or property while operating your boat. 

For example, if you accidentally damage another boat whilst manoeuvring in a marina, third-party liability insurance would help cover the legal costs if you were deemed responsible for the incident. 

It’s difficult to give an estimation for how much a specific boat insurance policy will cost as several factors affect this, including:

• the boat’s type and value
• your intended use of the boat
• the type of cover you select 
• your mooring location
• your claims history and/or your no claims bonus

To get a clearer idea of how much your boat insurance will cost, you can get an instant online quote through GJW Direct now.  

Boat insurance is a requirement if you use canals or waterways managed by the Canal & River Trust. Many marinas and harbours also require proof of insurance for you to launch or moor there.