Boat Insurance: What is Personal Accident cover?

This boat insurance option can provide a payment if you, or anyone on board your boat with your permission, have an accident onboard which results in you or they suffering a serious injury (e.g. loss of a limb) or even death.

You select what cover limit you require up to £50,000 per person or £200,000 in total, and you also select how many people you want cover for. There is no excess for you to pay in respect of a claim under this cover.

There are various exclusions which apply to this option, such as if the person is injured while undertaking a hazardous activity (e.g. diving, water skiing etc), or if they are under the influence of drink or drugs.

The Policy Booklet contains full details about how this cover operates, including any exclusions or conditions. Existing policyholders can download copies of the applicable Booklet for their policy by following the guide described here. Alternatively, to download the latest boat insurance Policy Booklet, please click here.

Should you wish to start an online boat insurance quote, please click here.

Boat Insurance
  • Wide range of vessel types covered
  • Discounts for boating experience
  • Extensive FAQs
  • Automated pop-up tips
  • On-demand help pop-ups