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Yacht & Sailboat Insurance
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Specialist yacht & sailboat insurance
Whether you’re sailing in the Mediterranean or racing at your local yacht club, having specialist yacht insurance gives you the freedom to enjoy every moment on the water.
Craftinsure arranges specialist yacht and sailboat insurance tailored for cruising yachts, racing yachts, and a wide range of sailboats. Each policy provides cover for accidental damage, theft, third-party liability, and other risks associated with sailing on inland, coastal, or offshore waters.
Why choose us
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20 years’ experience
We’ve been helping others enjoy their passion for over 20 years
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Quick, easy process
Our simple online quote and buy process allows you to be covered in minutes
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Up to £5m third-party cover
You can choose up to £5m of cover for protection against third-party claims
What does yacht insurance cover?
Yacht Insurance
Sailing, cruising, and racing yachts:
- Yachts valued up to £600k
- £5m third-party liability
- Accidental, malicious, fire & theft damage
- Masts, spars, sails, trailers, tenders & outboard motors
- Road transit cover
- Hull inspection costs after grounding
- Personal Effects (items with a value under £500)
- Others using your boat (with your permission)
- Legal expenses cover
- Recovery of the vessel following a loss
- Cruising area—UK, Ireland, and much of coastal Europe (extended during May-Sept)
- Racing cover—full cover for racing yachts, optional local club racing for cruising yachts
Smaller sailboats (dayboats, keelboats):
- New-for-old parts replacement
- £5m third-party liability
- Up to 30 days in continental Europe
- Mast, spars, sails, trailers & outboard motors
- Road transit cover
- Vermin damage
- Loss or damage to protective covers
- Others using your boat (with your permission)
- Legal expenses cover
- Recovery of the vessel following a loss
You can look at the Insurance Documents for full details on the yacht insurance provided.
Cruising, racing yachts, dayboats, keelboats, and multihulls:
- Loss or damage caused by vessel being in an unseaworthy condition
- Wear, tear, depreciation or gradual deterioration
- Mechanical or electrical breakdown
- Theft of unlocked outboard motors or those without serial numbers
- Personal effects without lockable storage
- Money, cheques, credit or debit cards, jewellery, spectacles, or mobile phones
- Operating the vessel outside of the territorial scope shown in the policy
- Wilful misconduct or recklessness by you or other persons in control of the vessel
- Multihull racing
Why consider yacht insurance?
When sailing or racing, hazards like personal injuries, damage or loss to your boat, or third-party claims from accidents on the water can happen at any time. A specialist yacht insurance policy provides financial protection in these scenarios, so you can relax no matter how you enjoy your time on the water.
For example, you might lose control of your vessel and accidentally injure another person. Or perhaps you allow a family member to borrow your yacht or sailboat, and they collide with another boat whilst manoeuvring in the marina.
Taking out specialist yacht or sailboat insurance through Craftinsure can help to protect you in the worst-case scenarios, giving you complete reassurance when you’re out enjoying yourself.
Yacht insurance that matches your adventure
From competitive sailing to cruising in Europe, yacht insurance through Craftinsure is tailored to suit a variety of sailing styles and boat types.
Racing yacht insurance
If local club races or regattas are your passion, specialist racing yacht insurance through Craftinsure can cover you against the unique risks of competitive sailing. With automatic race fee cover, you’ll be protected if your yacht is damaged and you can’t compete. Plus, you can choose local club racing cover for cruising yachts, giving you the best of both worlds.
Cover in continental Europe
Planning a summer trip across the Channel or taking part in a long-distance event? Craftinsure includes up to 30 days of cover in continental Europe as standard, so you can enjoy sailing abroad without the hassle. Whether it’s a coastal hop to France or a longer cruise through the Med, your yacht or sailboat is protected—even while in transit.
Covering a range of yacht types
From traditional dayboats to performance racing yachts, Craftinsure arranges specialist cover for a broad mix of yacht types. These include:
- Cruising yachts—comfortable, seaworthy boats (e.g. Beneteau, Jeanneau, Bavaria, and Moody)
- Racing yachts—lightweight, high-performance models (e.g. J/109, J/111, Farr 30, and X-Yachts)
- Dayboats & keelboats—smaller sailboats for day sailing or club racing (e.g. Squib, Flying Fifteen, and Cape Cutter 19)
Yacht Insurance FAQs
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While yacht insurance isn’t technically a legal requirement, many marinas require proof of third-party liability cover at minimum to use their facilities. So, checking this for those you plan to use beforehand is a good idea to avoid disappointment.
You might want to consider yacht insurance to protect yourself and your craft regardless, especially since they’re such a high value purchase. You can build a yacht insurance quote in minutes through Craftinsure.
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The cost of a yacht or sailboat insurance policy typically depends on the following factors:
- your claims history
- your yacht or sailboat’s intended use
- the age, class, and value of your boat
- your boat’s mooring location
- your selected level of cover
You can get an online quote through Craftinsure today to learn the cost of your yacht insurance policy.
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The most common forms of yacht or sailboat insurance are:
- ‘Comprehensive' insurance—typically covers your boat for theft, loss, and damage
- Third-party liability cover—protects your liability if you damage third-party property or injure another person
Specialist yacht insurance through Craftinsure covers yachts valued up to £600k and smaller sailboats such as dayboats and keelboats with £5m third-party liability cover included as standard.
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The answer to this question depends on where and how you plan to use your yacht:
- UK coastal waters—registration with the UK Ship Register is not compulsory for yachts used in UK coastal waters unless you’re taking out a marine mortgage or plan to sail internationally
- UK inland waterways—you must obtain a licence from the Canal & River Trust, the Environment Agency, or Scottish Canals depending on where you sail
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Yes—cover automatically includes waters of continental Europe between Brest and the river Elbe as well as continental inland waterways. Between May to the end of September, cover is extended further, to as far south as Bordeaux and north to as far as Stavanger and Stockholm.
For smaller sailboats, Craftinsure’s Dayboat and Keelboat policy includes up to 30 days use in continental Europe.
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