Our Yacht policies ensure you are fully covered in the event of an accident. We offer Fully Comprehensive cover with quality Insurers, Insurance-4-Boats can cater for all usage and all budgets.
We can cover Yacht & Motor Boats usually up to 30 years old with no survey required, benefits of our Cruiser Motor Boat policies include:
- £5 Million Liability cover for you and any person navigating or in charge of your vessel with your permission
- Agreed Value Policy
- Theft cover
- Transit Cover (for vessels under 30 feet)
- 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