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Boat Insurance
Find out more about specific boat insurance policies through Craftinsure and get a quick quote below.
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 boat insurance cover?
Boat insurance acts as a form of financial protection and peace of mind should anything happen to your boat. It can include third-party liability cover, damage and theft cover, and more.
Boat insurance
Depending on the type of boat you own, choosing boat insurance through Craftinsure can provide cover for:
- Third-party liability and legal costs
- Theft, loss, and accidental damage
- Fire, storm, and lightning damage
- Salvage and wreck removal
- Emergency towing and assistance
- Transit and trailer cover (where applicable)
- Racing risks (for sailing craft, if selected)
- Equipment and outboard motors
- Up to 30 days use in continental Europe
Boat insurance through Craftinsure will not provide cover for the following:
- Loss or damage caused by a vessel being in an unseaworthy condition
- Wear, tear, depreciation, or gradual deterioration
- Mechanical or electrical breakdown
- Wilful misconduct or recklessness by you or other persons driving the vessel
- Loss or damage to personal effects
- Operating the vessel outside of the territorial scope shown in the policy
Please check the relevant insurance document for your boat type to learn the specifics of what is and isn't covered by your boat insurance policy.
Why consider specialist boat insurance?
There are several reasons why you may want to consider specialist boat insurance, including:
- Boat insurance can provide financial protection and peace of mind in the event of a claim
- In some cases, you’ll need to have boat insurance when crossing national borders in your boat
- Some marinas, harbours, and UK inland waterways may require that you have third-party liability insurance as a minimum
- You may need boat insurance to be able to race your boat
- If you want to finance your boat, you may need to have insurance to show the lender
How to compare boat insurance
Looking to compare boat insurance policies? Keeping your boating needs and budget in mind throughout the process can help you confidently choose the right level of protection. Here are a few factors to bear in mind when comparing boat insurance features.
1. Included cover & benefits
Boat insurance policies can vary quite a bit across the market, so it’s worth checking what’s included as standard when making your decision. Whether you’re after third-party liability cover for protection against claims or European cover to protect you and your boat abroad, it’s good to know what you’re paying for suits your boating habits.
2. Excesses & claim limits
Checking the finer details can make all the difference when looking to compare boat insurance policies, even if you’re happy with your cover options. You might want to consider:
- How much excess you’d pay if you make a claim
- The maximum payout for items like outboard motors or trailers
- Whether you’re covered during transit or international travel
3. Price vs value
It’s tempting to go for the lowest premium, but value lies in what you’re actually getting. A good boat insurance policy will balance affordability with strong protection and flexibility and have customer reviews that reflect a positive experience.
How much does boat insurance cost?
The cost of insuring your boat through Craftinsure depends on a few factors, such as:
- the type of boat you want to insure (including its age and maximum speed)
- the boat's value
- how you plan to use your boat and where it will be kept
- your experience and claims history
The best way to find out how much your boat insurance policy will cost is to select the type of vessel you wish to insure and get a quick online quote.
Boat insurance FAQs
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Specialist boat insurance shields your boat and public liability from the risks of sailing on the sea or inland waterways. These include third-party claims emerging from accidents on the water or your boat being lost, damaged or stolen.
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While taking out boat insurance isn’t a legal requirement, many boating clubs and marinas require proof of cover to become a member.
Aside from this, you may want to consider specialist boat insurance for peace of mind on the water. Risks such as theft, loss, and damage are real threats, as are third-party claims arising from incidents on the waterways.
You can get an online quote through Craftinsure if you want that extra reassurance.
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Yes, most boat insurance policies include cover for accidental or malicious damage to your boat and any relevant equipment or gear you have onboard.
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If you’d like to get a quote for boat insurance through Craftinsure, you can select the type of boat you would like to insure and click the quote button. You may need to provide information such as your personal details, the details of your boat, and your claims history.
If you've taken out a boat insurance policy with us and want to make a claim, you can learn how to claim here.
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