Sports Boat Insurance

Our Sports Boat policies ensure you are fully covered in the event of an accident. Insurance for speedboats tend to be more expensive than the majority of similarly price vessels as owners predominantly purchase “speed boats” for one reason to “GO FAST” across the water. This greatly increases the risk of an accident and injuries and therefore is likely to be more expensive.

Additional cover for water skiing and water toys (inflatable bananas and donuts) is available if required.

Cover for toys can be more expensive to insurer as the person being towed has little or NO control over their direction (unlike water skiers) therefore it is more likely that a collision can occur with another vessel/person/pontoon or jetty.

We can cover sports boats up to 25 years old with no survey required, benefits of our sports boat policies include:

• £3 Million Liability cover for you and any person navigating or in charge of your vessel with your permission
• £3 Million Water Skiing and Water toys liability (if required)
• Theft cover
• Transit Cover
• Underwater Damage cover to hull and engine(s) as standard
• Dropping off or falling overboard of outboard motors
• 12 Months in Commission (if required)
• Cover for all risks of accidental, physical loss or damage to your vessel and the property described in your Certificate of Insurance "Agreed Value" insurance
• If a claim arises while your vessel is moored at her home marina no excess will apply and you will not lose your no claims bonus
• Personal accident cover for personal injuries or death for you and people on board your insured vessel

As you appreciate there are a few exclusions:

• Loss, damage, liability or expense intentionally caused by or consented to by you or arising from unseaworthiness resulting by you
• Cost of repairing any defect from a prior repair, alteration or maintenance work
• Design or construction fault
• Loss and damage caused by wear and tear and lack of reasonable maintenance
• Loss and damage caused by insect, vermin, damp and marine life
• Theft of insured gear and equipment unless it follows violent forcible entry into your vessel or place of storage
• Theft of insured personal effects unless it follows violent forcible entry into the vessel or vehicle while in transit
• Theft of your outboard motor unless it is secured to your vessel by an appropriate anti-theft device in addition to its normal method of attachment or violent forcible entry into the vessel or place of storage
• Theft or loss of boats, such as dinghies or tenders, not permanently marked with the name of the parent vessel