Rigid Inflatable Boat Insurance

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The water authorities have made it a legal requirement that boat owners must have the public liability cover. The level of third party will vary across authorities, but some have set the indemnity limit at £3,000,000. 

What Can Boat Insurance Cover

If you own a vessel, you will know that, like a sports car, it is a valuable asset. Insurance can help protect your vessel and other craft and those on board. A typical policy will include financial cover for damage to the vessel and cover for a third party claim for injury or damage to their craft.

  • Accidental damage : This typically includes fire, theft, sinking, stranded and malicious damage.  
  • Engines :  Engines are the powerhouse of the craft, and cover for damage to engines should be considered.
  • In Transit : If you tow your boat from one location to another, you will need additional cover whilst in transit. Typical car insurance will only provide damage cover for any damage to other vehicles or property, but not for any damage to the boat being towed. If you have just purchased a new boat, check if you have the required cover before towing your precious new boat.,
  • Personal Items : Like a motorhome, a vessel can contain many valuable personal items, that you may wish to include with your boat insurance policy. 

Boat Insurance Categories

Below, we have listed some common craft insurance request

  • Narrow boat Insurance
  • Yacht Insurance
  • Speed boat insurance
  • Small motorboat
  • Large Motorboat
  • Rowing boat insurance
  • Houseboat insurance
  • RIB or Rigid Boat Insurance
  • Dinghy insurance

Examples of what is typically not covered by Boat Insurance

  • Deliberate damage and wear and tear :   
  • Damage caused by corrosion osmosis
  • In Transit : If you tow your boat from one location to another, you will need additional cover whilst in transit. Typical car insurance will only provide damage cover for any damage to other vehicles or property, but not for any damage to the boat being towed. If you have just purchased a new boat, check if you have the required cover before towing your precious new boat.,
  • Personal Items : Like a motorhome, a vessel can contain many valuable personal items, that you may wish to include with your boat insurance policy. 

Policy Exceptions and Clauses

Examine these carefully, particularly in relation to the following :

  • Any sailing limits : Most polices are limited in the cruising range to UK inland waterways and costal regions.  
  • Season Cover : Some polices will only provide cover during fair weather or limited to certain months per year. 
  • Water sports : If you will using your boat in water sports, for example towing inflatables for example, check your policy to see if this is excluded.


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