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Marine Insurance

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What is marine insurance?

Marine insurance is designed to provide financial protection against loss or damages caused to property, people or other watercraft by your own boat or vessel.

There are many types of watercraft that require marine insurance, such as:

  • Canoes
  • Jet skis, and other personal watercraft
  • Yachts
  • Sailboats
  • Ski boats
  • Power boats
  • Motor boats
  • Narrow boats
  • Cruisers
  • House boats
  • Ships

What kinds of Marine Insurance cover are available?

Depending on the type of vessel that you are trying to get cover for and how you use that vessel, there are a number of different kinds of cover available. The types of marine insurance cover are usually defined by that vessel’s ‘area of operation’, so where it is going to be used. These include:

  • Rivers, canals and lakes
  • Onshore and out of water e.g. in a garden, marina or boat club
  • Coastal waters or inland estuaries - this is usually defined as a 12 mile limit from the coast
  • Specified areas e.g. the Mediterranean
  • Oceans worldwide - although this is the most expansive kind of cover, there may still be exclusions and restrictions in place

What else do I need to consider?

The type of cover that you will need not only depends on where your vessel is going to be used, but also what it is going to be used for. For example, if you are going to be carrying passengers other than yourself, you will need additional cover in place in case one of them becomes ill or gets injured while on your vessel.

Additional areas of insurance to consider include:

  • Hull insurance
  • Machinery insurance
  • Liability insurance
  • Protection and indemnity insurance
  • Freight insurance
  • Cargo insurance
  • Public liability

Get in touch

Navigating the waters of marine insurance can be tricky, especially if you’re not sure which of these categories your vessel falls under. It’s better to be safe than sorry, so before you agree to any policy, be sure to speak to one of our expert advisers. Get in touch today to see how we can help you.

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  • Fully comprehensive policy, rated 5 Star by Defaqto
  • All policies underwritten by AXA Insurance UK Plc
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