Purchase our insurance cover for motorboats and hit the water knowing you have cover in place for your beloved powerboat. Our cover can offer you a range of benefits such as £5m in third-party liability, 25% discount after 5 years and your no claims bonus is automatically protected. Plus, take advantage of a multi-vessel discount should you have a more than one boat. Other policy benefits include:
Talk to us about your requirements and we will provide you with a comprehensive policy for your needs.
We are specialists in providing bespoke motorboat insurance tailored to meet your precise requirements. Whether your preference is a Riva, Bayliner, Beneteau, Rodman, Sealine, or Sunseeker, we can assist you in selecting the ideal insurance policy for both you and your boat.
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Boat insurance protects your vessel, its equipment, your liability to other craft on the water, and the people on your boat.
While it is not a legal requirement to have insurance simply if you own a boat, you will need at least third-party cover to use it on the UK’s inland waterways. Most UK harbours and marinas also insist on a minimum of third-party cover to protect all their customers.
To own a boat kept ashore, no licence is required. However, for inland waterways usage, registration, potential licensing, a BSS certificate, and third-party insurance (usually with a £1m limit, though the Broads Authority requires £2m) are needed. The BSS certificate is essential for boats with certain permanent electrical systems. Using a boat without required documentation invalidates insurance. Consult the navigation authority for specific requirements on your waterway. If sailing beyond UK waters, a registration document from the UK Ship Register is mandatory.
Not necessarily. While a Boat Safety Scheme (BSS) certificate is essential for registering or obtaining a licence on inland waterways, there are exceptions. For instance, privately owned ‘open boats’ without motors, such as canoes, don’t need one. Some motorboats, especially those without electrical systems, may also be exempt. It’s always best to consult the navigation authority for specifics. However, boats requiring the BSS certificate must be tested every four years, and owners should ensure they maintain the necessary standards.
Your insurance needs will vary depending on the boat you own, but can include:
Read our comprehensive guide to boat insurance, with details of the cover provided, general exclusions, and how to reduce your premium.
We spoke to Chris and Justin at Richardsons Leisure about how Alan Boswell Risk Management help them to manage health and safety at their sites.