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Do I Need Boat Insurance?
Whilst boat insurance is not compulsory in the same way that not having car insurance on UK roads can lead to heavy fines and imprisonment, you still probably want some kind of insurance in place for your prized boat.
Whether it is fire, theft, flood, personal accidents or third party cover, having the best boat insurance in place can make sure that you are covered for any damages and financial losses.
So if you use your boat for private or personal use, commercial or sporting adventures, you have the right level of cover so that you can enjoy sailing on the waters, with the wind blowing through your hair and you can leave your worries behind you.
Forces Compare has partnered with the award-winning Taylor Watkins, who can provide you with a personalised boat insurance quote. It takes less than 5 minutes to receive a no-obligation quote and it is completely free to enquire online. Simply click on ‘Get Started’ to begin the journey and policies are often live within 24 hours of completion.
- All boats considered
- No claims bonus available
- Choose from third party only or comprehensive cover
- Get a free and no obligation quote from our partners Taylor Watkins in less than 5 minutes
What Types of Boat Insurance Can Forces Compare Offer?
We provide cover for all kinds of boats and vessels:
- Dinghy insurance
- Inland and small craft insurance
- Jet ski insurance
- Kayak insurance
- Motorboat insurance
- Sailboat insurance
- Yacht insurance
What Cover is Included in Boat Insurance Policies?
Boat insurance premiums are either third party only or comprehensive cover. Unlike car insurance, there is no fire, flood and theft cover.
Third party cover for boat insurance will protect you against any damages towards other individuals, public property or third parties – but will not protect you for any damages or losses for your own vessel.
Comprehensive cover offers insurance for both your own losses and those you cause to other people or property. This policy should adequately reflect the value of your boat, including any possessions, navigation equipment, tenders, anchors, motors and accessories.
You Will Be Able to Access Cover For:
- Personal accidents
- Accidental damage
- Damage to third parties
How Much Boat Insurance Cover Can I Get?
The amount of boat insurance you can access can often run into the millions of pounds. This should take into account the price you paid for the boat and any additional features or accessories that you may have added to increase its value such as sound or entertainment systems, motors and restorations.
It is common for boats to receive up to £1 million, £2 million or £10 million worth of cover for the purpose of replacements, thefts or damages.
How to Apply for Boat Insurance Online
Forces Compare allows you to apply for boat insurance directly through our partners at Taylor Watkins. Simply click on ‘Get Started’ and you can be taken to their website where you can apply online in less than 5 minutes.
You will be able to enter some basic information about your boat and you should receive a personalised quote in minutes. All quotes are completely free of charge and we aim to help you find the best cover for you and at the most affordable rates possible!
Boat Insurance FAQs
Yes, for any international travellers, you can apply for boat insurance for sailing in France, Spain, the Meditterrean, Caribbean, USA or anywhere else. Please be sure to state this in your application and check that you are covered for this in your policy documents.
Yes, similar to car insurance, a no claims discount is available and this can offer huge discounts of 50% or more if you have a cleaning boating history with no prior claims for a certain number of years.
Information required during the application process includes the make and model of the boat, the length, engine details, estimated value and the type of use i.e personal, private, commercial
Successfully approved policies can usually be active in less than 24 hours and you can be sailing on the seven seas in no-time.
No, it is not a legal requirement and you do not require boat insurance by law, but it can provide essential financial cover in the event of loss or damages.