uk yacht insurance

Yacht Insurance

Bespoke yacht insurance.

Our Yacht Insurance Policies cover sailing vessels both large and small cruising UK Waters, Europe and Worldwide. Whether you're seeking to renew your boat insurance or inquiring about coverage for a new vessel, we've got you covered.

Get the right level of cover with our yacht & sailing boat insurance so you can enjoy cruising on your Yacht, Keel Boat, Sloop, Catamaran or Sailing Boat with confidence.

Why Choose Topsail Insurance?

The team at Topsail Insurance are highly passionate and knowledgeable in Boat Insurance and Travel Insurance, with over 100 years of combined experience, they will ensure you get the policy best suited to you. We are marine insurance experts offering a personal service and practical approach to find the best policy suitable to your needs.

Feel free to reach out to our dedicated team of real people for tailored advice on our policies. Whether you're unsure about the appropriate level of insurance for your needs or seeking guidance on the best coverage for your boat, we're here to assist you. Don't hesitate to get in touch with us today.

Our policies offer comprehensive and flexible cover for both local and offshore sailing.

We offer both agreed value and market value insurance policies to suit your individual needs.

Frequently Asked Questions

What typically does our yacht insurance policy cover.

Your insurance policy will include cover for:

• Accidental damage

Is Third Party damage covered?

Yes, our comprehensive policies include up to £5 million third party liability cover as standard. In most cases, we can also arrange Third Party Only policies too.

What additional benefits are included in my Yacht Insurance cover?

Many of our polices include:

• Personal Accident
• Medical Expenses
• Up to 25 % NCB
• Marina benefits
• Access to our helpline services 24 hours a day, 365 days a year
• 24 hour claims helpline

We can often offer Excess Waiver, Protected No Claims Bonus and Legal Expenses cover.

What cruising areas do we cover?

We cover UK, Europe and Worldwide/Bluewater cruising.

Do we offer any discounts?

We offer discounts for a number of Owners’ Associations, and Yacht Clubs, such as our partners, The Cruising Association and Ocean Cruising Club .

Click here to access our online Quote and Buy .

We will provide you with an instant quote online which you can purchase immediately.

Our team will be happy to compare your boat insurance renewal quote or provide you with a quotation for your new boat insurance. Enjoy making memories, we’ll handle the rest.

For more information about the features of our Topsail Insurance, please refer to the relevant policy document and terms and conditions.

With over 1000 reviews on Google from satisfied clients, Topsail Insurance stands as a trusted authority in the field. Rest assured, you're in capable hands with our team of experts.

Enjoy making memories, we’ll handle the rest.

• Boat Insurance
• Marine Trade & Business Insurance
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Boat & Marine Trade Insurance

Delivered from stoneways marine with a personal touch, delivered by the expert stoneways marine team and always with a personal touch.

Marine Trade & Business Insurance

Yacht & Pleasure Craft Insurance

Our services, experienced & trusted uk marine insurance advice.

At Stoneways Marine, we provide expert advice, high quality cost effective marine insurance protection for yachts, motorboats and pleasure craft, as well as marine trade – delivered with an exceptional level of personal service.

With a depth of experience spanning 30 years in the marine insurance industry, you can be assured of a dynamic and empathetic approach with our range of high quality marine insurance solutions.

As boat owners, sailors and professional insurance providers, the Stoneways Marine team appreciate your needs and understand the risks that you face.

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“What a superb service – thank you!”

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Start a New Boat Insurance Quote

With over 195 years of experience, GJW Direct provides industry leading boat and craft insurance that gives you peace of mind. Get your UK boat insurance quote online today or call us on 0151 473 8000

Yacht & Sailing Boat Insurance

Find out more, motor cruiser insurance, narrowboat & barge insurance, speedboat insurance, dinghy insurance, personal watercraft & jet ski insurance, rib insurance, canoe, efoil, rowing boat, sup & windsurfer insurance, marine insurance for leisure boats, how our boat insurance cover works.

GJW Direct can provide you with the perfect cover for your vessel, with instant online quotes available. Each of our policies is different, but as standard we provide:

• 24 hour staffed emergency claims helpline
• Protected no claims bonus
• Exclusive Discounts within your MyBoat portal

Why Choose GJW Direct

GJW Direct are the UK’s leading direct boat insurance company. We’ve been providing Boat Insurance and Marine Insurance for over 195 years. Our range of comprehensive policy options covers engine, trailer and third-party damage – with cover available in UK and European waters.

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B o at insurance specialists

Noble Marine has been providing a personal and professional service to marine insurance customers for over 30 years.

Policies and claims are dealt with in-house by our knowledgeable staff giving exceptional levels of service. Get a quote online for your boat insurance today.

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From surfb o ards to racing yachts

Quote and buy online or call us on 01636 707606, quote and buy online or call us on 01636 707606.

Noble Marine Insurance are a specialist boat insurance provider with over 30 years experience in insuring everything from surfboards to £1m racing yachts.

Our marine team has decades of experience that has allowed us to develop our own policy wordings tailored to the specific needs of the varied types of craft and users. This enables us to cater for everything from standard craft to the more unusual and specialist craft.

All our claims are handled by our own, in house, team. This means that we can settle claims quickly and we can also help you find a suitable repairer if you need us to.

Whether you own a single boat or multiple craft of different types, we can cover them all on a single policy to keep all your marine insurance in one place, keeping it simple and saving you money with our 12.5% mulit-boat discount (up to a maximum of £150 per policy).

Noble Marine Insurance has been an enthusiastic supporter of sailing at all levels since we were founded as a dinghy insurance broker, we are still highly committed to the sailing community and we sponsor over 25 class associations as well as numerous sailing events throughout the year.

We offer a great on-line service but if you would prefer to arrange your policy over the phone we are always delighted to speak to our customers.

Boat Insurance FAQs

What is boat insurance?

Most importantly, boat insurance will provide you with third party liability cover if you were to cause damage to other people’s property or injury to another person.

In addition Comprehensive boat insurance can provide you with financial protection if your boat is involved in an accident, stolen or damaged by fire or storm.

Do I need boat insurance?

Boat insurance is not actually a legal requirement in the UK however most marinas, harbours and in recognised mooring areas require evidence of third party boat insurance. Most lakes and reservoirs require the same, and you will need to produce proof of third party boat insurance to obtain an inland waterways licence. Also most organised events such as racing will require evidence of liability cover.

In addition to third party liability cover most people will want to insure their boat for damage including from fire or theft to protect their investment and ensure that they are able to stay on the water as much as possible. Noble Marine Insurance can insure boats up to a value of £750,000.

What does your boat insurance cover?

It is important to make sure that your boat insurance is adequate for your needs, and not to forget additional equipment such as trailers, trolleys and safety equipment that can be easily overlooked and are often costly to replace. Most accessories and equipment that is specific to your boating activities can be covered by boat insurance if you opt to include them. Noble Marine’s boat insurance will usually cover:

• Accidental Damage
• Fire or Explosion
• Theft or Attempted Theft
• Malicious Damage / Vandalism
• Storm Damage
• Your liability for damage or injury to other parties

Boat insurance policies generally do not cover:

• Wear, tear, depreciation, gradual deterioration e.g. corrosion or electrolysis
• Mechanical breakdown
• Damaged deliberately caused by you
• Faulty workmanship

For full details of Noble Marine’s Boat Insurance cover and exclusions please click here for a copy of our policy wording and Insurance Product Information Documents.

Are there any conditions of my boat insurance?

It is also a condition of many boat insurance policies that your boat is maintained correctly and in a seaworthy condition. Whilst it is important to ensure your boat insurance policy will be valid in the event of a claim, this is also good practice to ensure that you and your passengers and/or crew are safe when on the water. It is important to ensure that all systems of a boat are checked and, as necessary, maintained in accordance with manufacturers guidelines or generally acknowledged best practice. If you are unsure it is worth getting professional advice from a yard or surveyor.

How much will my boat insurance cost?

This depends on the type of boat, who’s using it, where it is being used and what it's being used for. Prices start from around £40 per year.

What types of boats do you offer boat insurance for?

Noble Marine can provide boat insurance for most types of pleasure craft including:

• Canal boat Insurance
• Canoes Insurance
• Dinghy Insurance
• Jet Ski Insurance
• Sport Boat Insurance
• Motor Cruiser Insurance
• Motorboat Insurance
• Narrowboat Insurance
• Paddleboard Insurance
• RIB Insurance
• Rowing Boat Insurance
• Sailboard Insurance
• Speedboat Insurance
• Surfboard Insurance
• Yacht Insurance

What if I want to insure more than one boat?

Most boat insurance policies only allow one boat per policy, however Noble Marine’s policy allows you to insure all your boats from canoes and paddle boards to dinghies and yachts under the same policy, you will also benefit from a 12.5% Multi-boat discount (up to £150 per policy).

Does your boat insurance cover me abroad?

If your boating adventures take you to more distant shores or you are involved in racing abroad, then Noble Marine Insurance can provide a solution to meet these needs in most circumstances. We can also extend the policy to include boats that are Skippered Charter.

Just call us to discuss your requirements and we will help you through the process or enter your details online by clicking ' Get A Quote ' and we will get back to you.

Please note that policy cover is subject to the terms and conditions of our Marine Insurance Policy .

Do you offer boat insurance for racing?

Racing cover is included as standard on all of our dinghy, sports boat, rowing boat, canoe, kayak, surfboard, sailboard and paddleboard policies.

We also offer racing cover for sailing yachts, this may be at an additional charge depending on the type of racing you’re doing.

For full details of Noble Marine’s Boat Insurance cover and exclusions please check our policy wording and Insurance Product Information Documents .

Can I transfer my boat insurance to a different boat?

If you sell your boat and replace it with a new or different boat then you can keep the same policy and simply swap them over.

Your claims are handled by our own in house experts.

Noble marine is a trading name of noble insurance services ltd who are authorised and regulated by the financial conduct authority. firm reference number 305884..

Boat Insurance with a new look

As the UK’s first online boat insurer, we’ve now made our website even easier to use. Our premiums are as competitive as ever and there’s our great App too!

Save on Boat Insurance

Fully Comprehensive Boat Insurance. £5m Third Party, 3 page Plain English Policy. How much will you save?

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Boat Insurance

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What our customers say.

Check out some of our reviews

What We Offer

Craftinsure app.

The Craftinsure App lets you make changes to your cover from your phone and save images of high value contents and gear insured. Geolocate your boat so we can send you relevant help when the wind blows hard or areas flood. Upload video and pictures instantly of the damage and make a claim, all from your phone. Boat Insurance as painless as possible. Open the App

Professional Crew

Boats are our passion - we understand the joys and the challenges of owning a boat. At the helm of Craftinsure are 3 boat owners - we all have our own boats, too many in some cases!. We race Dinghies most weekends and our MD is on his Beneteau as often as he can get out of the office. We bring many years Underwriting experience and the leadership team are all Insurance qualified, (ACII). Claims are dealt with by our own claims crew. We don’t outsource our claims to call centres. Our claims team are also vastly experienced, and again you might see them afloat at the weekend.

Craftinsure Limited is a privately owned Underwriting Agency and craftinsure.com is a trading name. Craftinsure is owned by Boat owners who are set up the business nearly 20 years ago and Craftinsure now insures over 25,000 boats. We only insure Boats. Craftinsure is a ‘Quote and Buy’ online business, we pass on the cost savings of being online to you as very competitive premiums. We are direct to customers only – we do not deal with brokers or marinas, so you get the savings.

Craftinsure enjoy sponsoring boating events in the UK. These are usually Sailing Regattas, but we do support all types of boating events. Craftinsure support a number of Dinghy and Yacht Class and Owners Associations – Get in contact if you want to work with us.

20 years o f cover

Craftinsure was started in 2001, we were the first online Boat Insurer. Remember dial up modems? We have become a leading Boat Insurer in the UK. With more than 25,000 current policyholders we are now one of the largest boat Insurers. We removed the paper chase that we saw in boat insurance and replaced it with a 4-6 question quote – quotes take 20 seconds, and 2 minutes to get on cover. To be asked to fill out a form and send it in to underwriters is not reasonable in 2020 - Craftinsure - Boat Insurance made easy.

Risk Advice

We produce a lot of advice on how to reduce the risk of loss or damage to your boat. We understand that if we can help you avoid having an accident it's even better than paying the claim. We post advice on our website and use social media to engage with our customers. We aim to ensure our advice is topical so that it's provided at the relevant time. If you have our App we can serve advice specific to your boat type and where your boat is located.

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• Yacht & Motorboat Insurance

Competitive all-risks marine insurance for yachts & motorboats.

Start your journey with us today., start your journey today., insurance for a wide range of boats, what is boat insurance.

Whether you’re a seasoned sailor or new to the wonderful world of boating, there are a number of things to consider when taking out a boat insurance policy for your pride and joy. While it’s not usually a legal requirement on most waters, more-often-than-not purchasing a boat, yacht or dingy is a sizeable investment, so it makes financial sense to ensure it is protected. Boat insurance and yacht insurance will cover you for risks both on the water and while it’s in transit; after all if anything does happen, it can result in a large and costly repair bill!

What does the Gallagher boat insurance and yacht insurance cover?

At Gallagher, our experts can arrange yacht insurance, dinghy insurance and small boat insurance, as well as cover for a wide range of pleasure boats including superyachts, motorboats, motor cruisers, speedboats, ribs, narrowboats and traditional sailboats.

You’re covered for risks both on the water or in transit, including protection and indemnity (P&I) insurance; and you're covered in the UK, in the Caribbean and the Mediterranean.

Our policies can include cover for tenders, outboard motors and personal effects. Your boat insurance can also be tailored to suit your vessel usage, cruising needs and required level of cover, as well as passengers and third-party cover.

The specialist team here at Gallagher regularly handle boat insurance for high-value crafts (such as superyachts and mega yachts) and complex or unusual risks; no matter how big or small your pride and joy may be, get in touch with us today to see how we can help protect your assets.

We've negotiated competitive rates with a panel of some of the leading marine insurance companies, which includes Beazley, Navigators and General, Noble, Topsail, Hiscox, Shipowners and MS Amlin. We can usually arrange same-day quotes and insurance cover, and you could even pay your premium in monthly instalments should you wish.

What addons are there for my boat insurance?

On request, we can add insurance cover for racing, transit for craft over 30’, skipper charter and bareboat charter, water-skiing, towed water toys, and underwater gear. We also arrange standalone skipper-only insurance, personal accident insurance, crew personal accident insurance, and legal cover. Although we would recommend you take out fully comprehensive boat insurance, third party-only insurance is available on request.

Yacht and Motorboat Insurance

• Competitive yacht insurance, dinghy insurance & small boat insurance
• Special, competitive rates negotiated with a panel of leading marine insurers
• All small boat insurance is on an all-risks basis
• Usually same-day turnaround on quotes and cover

What if I need to make a claim on my boat insurance policy?

Our experts understand that should you find yourself needing to make a claim on your boat or yacht insurance policy, this can be a difficult and expensive time. To ensure you have the best and smoothest experience possible you’ll have your own named account executive, experienced in insurance for yachts, dinghies, boats and pleasure craft, to handle everything from your quote to renewals and any claims.

Jonathan Purvis

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Stay connected with the company that’s connecting the dots with what’s happening in the industry and around the world.

Register to watch: Adapting to Change with Allianz Trade: Mitigating Risks and Protecting your Business - 11.06.2024

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Start your journey with Gallagher. Connect with an expert.

Sailing yacht insurance

First class marine insurance cover for sailing yachts and boats wherever in the world you’re venturing to.

Tailored to your boating needs

We offer competitive quotes for sailing yachts from boat builders such as:

• Hallberg Rassy
• Cornish Crabber

But we aren’t limited to this list. If your boat isn’t featured, just  contact us .

Our insurance policy can be made bespoke to your needs, to cover activities like rallies and water sports.

With our Admiral Boat Insurance Policy, you can benefit from:

• No excess for third party boat insurance claims
• No excess if you are hit by another vessel when moored
• Single article personal possessions limit of £1,000 for unspecified items
• Contribution towards accommodation costs if the yacht is rendered uninhabitable
• Boat insurance cover for piracy, acts of terrorism and associated risks

Yacht & boat insurance

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Frequently Asked Questions

Our standard policy allows you to take part in any race or regatta, but does not cover for the rig unless it is damaged by collision, stranding, sinking or fire. The hull is covered, but with double excess during racing.

Your claim will be assessed on the basis of the ‘agreed value’ – the insured value stated on your policy schedule at that given time and in accordance with the terms of your policy.

Contact us  as soon as possible to inform us of any changes. We’re happy to accommodate changes at any time during your year, whether that be changing contact details or an aspect of your policy.

We don’t offer no claims bonus on any policy where the insured value exceeds £200,000 and/or where the boat is spending the majority of the policy period outside the boundary of UK and European waters. Nevertheless we’ll take your individual circumstances and experience into consideration to quote a competitive premium.

Because we’re committed to offering the best personal service and tailored terms, we don’t believe in automatic renewals. Instead, we’ll offer you a renewal quote about a month before your policy is due to expire, and ask you whether there have been any changes to your requirements.

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Admiral Marine is a trading name of Admiral Marine Limited which is authorised and regulated by the Financial Conduct Authority (FRN 306002) for general insurance business. Registered in England and Wales Company No. 02666794 at 1st Floor, One The Square, Temple Quay, Bristol, BS1 6DG

If you wish to register a complaint, please contact the Compliance and Training Manager on  [email protected] .  If you are unsatisfied with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS).  The FOS website is  www.financial-ombudsman.org.uk

+44 (0)1722 416106 | [email protected] | Blakey Road, Salisbury, SP1 2LP, United Kingdom

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We’re proud to say our boat insurance is among the best in the business. We cover many different types of vessel, so you’re sure to find the right cover for your craft.

Protect your barge from waterway mishaps with our top-notch boat insurance policies. Go for ‘Base Layer’ if you just want third party protection, and ‘All Weather’ for comprehensive cover.

When your boat is your livelihood, the stakes are very high, so it’s crucial to choose the right insurance. Discover our Commercial ‘All Weather’ policy, created especially for business boats like yours

Whether you use your dinghy for racing or recreation, you’ll want to know you’re fully covered when you set sail. Check out our policies and see what floats your boat.

When you own an inland cruiser, the world’s waterways are your oyster. But it’s best to plan for the unexpected, as even on a day trip, anything can crop up.

At Haven Knox-Johnston, we’ll help you make lighter work of insuring your motorboat. Check out our policies, and why not get a free motorboat insurance quote today?

Whether your houseboat is a place you call home, or holiday getaway, we’ve got you covered.

Variety is the spice of life, and for narrowboat owners, that’s especially true. So you’ll want boat cover that’s flexible enough for whatever crops up, from a team that really knows the ropes.

Whatever you use your RIB for, one thing’s certain – your boat insurance needs to be as hard-working as your boat. And when you take a policy with Haven Knox-Johnston, rest assured it will be.

These boats are all about excitement – and when you’re insuring your speedboat, you need cover that can keep up. That’s where we come in. Why not get a quote today?

You can’t beat the yacht life, but it’s no secret it’s not the cheapest of passions. With our in-depth knowledge of the yachting sector, we’re perfectly placed to protect your price and joy.

If you’re looking for insurance for your watercraft, but it doesn’t quite fit the mould of a standard boat like a yacht or a motorboat, then we’ve got you covered.

Nice to see you – hope all’s well.

Non EEA Customers can renew their boat insurance policy with Haven Knox-Johnston

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Boat Events not to miss

Overview of the Aqueduct Marina Boating Event

Overview of the Barclays Jersey Boat Show event

Overview of the Crick Boat Show event

Overview of the Dartmouth Royal Regatta Sailing Week

Overview of the Kip Regatta

Overview of the Round the Island Race event

Overview Southampton International Boat Show event

Overview of the Thames Traditional Boat Festival

Overview of the Thames Valley Boat Show

International Paint Poole Regatta

Overview of the TYHA Marina Awards

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Ian and his crewmate, Pete from ‘Haven KJ Enigma’ are attempting to complete the challenging MailASail Azores and Back race.

Find out what else we can shipshape for you!

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Get finely tuned Musical Instrument insurance with a 10% discount for the HK-J community

Protect your other prized possessions from the unthinkable.  Welcome to Howden Private Clients

At Haven Knox Johnston our broker partners are essential to our future and we look forward to continuing to offer great products, excellent service and competitive terms to help you look after your clients.

Shipshaped Boat Insurance

If it floats, chances are we’ll cover it

Specialist insurance for your pride and joy

Get Boat Insurance With HKJ

Choose your boat type below

For enquiries, call us:

For a boat insurance quote:, boat insurance. comes with crew..

When you take out a boat insurance policy with Haven Knox-Johnston, you get great cover plus your very own Award winning* support crew – us. We’re a close-knit bunch at HK-J, with years of boat insurance experience between us. And many of us are keen boating enthusiasts, too. If you do need to claim we’ll aim to get you back on an even keel just as fast as we can. Promise.

* Winners of the 2022 Motorboat Award for Customer Services & receiving the Feefo Platinum Trusted Service Award 2024

What you get with Haven Knox-Johnston

From the helm.

News, true stories and expert insights from the HK-J crew

We've expanded

We’re delighted to introduce Have n Knox-Johnston Specialist and Haven Knox-Johnston Commercial .

Our parent company, Howden UK & Ireland launched the new marine insurance practice providing a full spectrum of insurance solutions to the marine industry, UK boat owners and blue ocean cruisers.

The new structure brings together the existing Howden Group marine businesses: A-Plan Marine, Howden Fastnet, Euromarine Insurance Services, plus Howden’s most recent marine acquisition, Curtis Marine.

HAVENKJ SPECIALIST

With a highly experienced team, including some of the industry’s most recognised professionals, plus more than 70 insurance specialists across six office locations, Haven Knox-Johnston is perfectly placed to service the insurance requirements for inland, coastal and ocean water boat owners, as well as support the commercial insurance needs of sole traders, small businesses owners and national operators that service the needs of the marine community.

HAVENKJ COMMERCIAL

Watch our latest video from the helm.

Boat Insurance FAQs

Why do i need boat insurance.

Even if all you need is to get a boat from A to B, life is just not that straightforward. Boat insurance provides a safety net when things aren’t always just plain sailing. 

As one of your most prized possessions, boat insurance can provide financial security and peace of mind against third party claims, loss or damage to your pride and joy.

What does boat insurance not cover?

Like all the best relationships, you have to give your boat some regular care and attention; lack of upkeep, general wear and tear and improper storage of your boat could all affect your cover. Your insurance policy is not a maintenance contract. Check out Haven’s Helpful Hints for tips on how to remedy some of these! 

If you are an adventurous sort, it is also important to check that your boat insurance covers racing, offshore sailing and long-distance trips as well.

How much does boat insurance cost?

Boats may often be seen as a luxury but here, at Haven KJ, we see them as one of life’s essentials; that’s why our boat insurance is often much cheaper than people expect.

Of course, (engine) size matters – as does age, maintenance, value, location, storage and use. However, you’ll find insuring a £100k yacht for normal use is a nautical yarn size cheaper than insuring a supercar at the same price.

Is boat insurance a legal requirement as a boat owner?

Surprisingly not – maybe it’s our long nautical history as pirates and vagabonds but boat insurance is not compulsory in the UK. 

It might not be a legal requirement of all waterways, but the risk of piratical boarding aside, we are talking about the potential damage to high value possessions and the possibility of injury.

If that doesn’t make you shiver your timbers then most marinas require at least third-party liability (our Base Layer policy) as a minimum. International territories including Spain, Italy and Greece require proof of the same. Luckily, we can supply you with relevant boat insurance documents to prove you have it.

What boat insurance do I need?

The first question to ask yourself is what is on your boating wishlist this year? Which direction will the wind or currents take you, and are you planning any races to get there?

Our Base Layer (third party) cover offers security for pleasure sailing, covering third party claims against you and worst-case scenarios of injury and more. Or for the full bells, whistles and foghorns, our All Weather (all risks) policy covers you from fire, theft, vandalism, accidental damage, emergency medical expenses, personal accidents and a whole ship-load more.

What does boat insurance cover?

As a general rule boat insurance should cover your boat, other boats and anybody on board, but the level of cover is down to what policy you take.

As a handy guide, we have a list of our Important Documents highlighting what you can expect from our policies.  Or to see a summary of both policies and what is/is not covered see below.

Boat insurance, shipshaped around you

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Global 2023 marine premiums hit $38.9bn and London increases hull share: Iumi

There has been an exodus of hull premium from the london market to nordic carriers since 2014..

Global marine insurance premiums grew by 5.9% to $38.9bn in 2023, driven by a combination of increased insurable volumes and improving rate, according to the International Union of Marine Insurance (Iumi).

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