• Boat insurance for enthusiasts

Boat insurance for enthusiasts

Get a Quote
  • Pay by instalments at no extra cost
  • Up to 25% No Claims Discount
  • 24hr emergency claims helpline
Trustpilot

The Visicover Difference

Easy online policies

Easy online policies

Get a quote in minutes, with the ability to customise your cover and manage your policy online, all in an instant.
Fully flexible cover

Fully flexible cover

We give you the freedom to flex your cover at any time. Only ever pay for the cover you want, when you need it
Competitive premiums

Competitive premiums

Our fully online service means lower administrative costs are passed back in competitive pricing with no hidden fees
All policies underwritten by Allianz

Choose your vessel

Sailing Boats & yachts
Sailing Dinghies
Motorboats
Motor Cruisers
RIBs
PWCs & Jet Skis
Narrowboats
Canal Boats
Windsurfers
Paddleboards
Kayaks
Canoes
Sweeps & Sculls
Rowing Boats
Other Boats

Why boat insurance is so important

With the right coverage, you’re free to enjoy your time on the water, knowing you’re safeguarded from costly surprises.

  • Protect the time and money invested in your vessel
  • Accidents happen, even to experienced owners
  • Other boat users may not be as careful as you are
  • Shield yourself against potential liabilities when using your vessel
  • Cover is compulsory on many UK waterways and marinas
  • Insurance is often mandatory if cruising abroad

Boat insurance can cover the cost of repairs or replacement if your vessel is lost or damaged due to unexpected events like accidents, storms, theft, or fire. It can also help protect you financially against your liability to pay compensation and legal expenses if your vessel causes injury or property damage to others.

Why Visicover is different
Customised cover - you choose the cover you want Visicover tick
Freedom to flex your cover throughout the year Visicover tick
Update your cruising area whenever needed Visicover tick
Automatic discounts applied for experience and qualifications Visicover tick
Spread your payments at no extra cost Visicover tick
Want to find out more? Get a Quote
 

What our customers say

Trustpilot
Options to fine tune your cover include:
Vessel Loss or Damage
Covers the cost, up to the cover limit selected, for repair or replacement arising from physical loss or damage to your boat, subject to certain specific exclusions and the excess you have chosen. *
Marina Benefits
Protects your no claims discount entitlement, and avoids you having to pay an excess, if you make a claim for loss or damage to your boat sustained while it is moored / stored in a specified marina. *
Mooring Fees
Covers the cost, up to the cover limit selected, of mooring fees incurred while you are unable to use your boat as the result of either a serious accidental injury to yourself, or insured loss or damage to your boat, subject to certain specific exclusions. *
Emergency Accommodation
Covers the cost, up to the cover limit selected, of emergency accommodation for you and your passengers if your boat is made uninhabitable as the result of loss or damage covered by this policy, subject to certain specific exclusions. *
Emergency Breakdown
Covers call out, parts and labour costs, up to the cover limit selected, if your boat is no longer seaworthy as the result of a mechanical breakdown, subject to certain specific exclusions. *
Third Party Liability
Covers sums, up to the cover limit selected, which you are legally liable to pay arising from ownership of the vessel for death or injury to a third party, or damage to their property, subject to certain specific exclusions. *
War and Related Risks
Extends the protection provided by the policy to cover War, Capture, Piracy or Terrorism, subject to certain specific exclusions. *
Search, Rescue and Evacuation
Covers costs, up to the cover limit selected, for search, rescue, and evacuation operations in relation to any person on board the boat with your permission. *
Medical Expenses
Covers costs, up to the cover limit selected, arising from the attendance of a qualified Medical Practitioner as a direct result of an accidental injury sustained on the boat, subject to certain specific exclusions and the excess you have chosen. *
Personal Accident
Pays a selected financial benefit to any person who dies, disappears or sustains a serious injury while they are embarking, on board or disembarking the boat with your permission, subject to certain specific exclusions and a maximum number of persons which you select. *
Machinery Extension
This option extends the Vessel loss and damage cover to include repair or replacement to the boat’s machinery following damage caused by latent defects or breakage of shafts, subject to certain specific exclusions and the excess you have chosen. *
Replacement Locks and Keys
Covers the cost, up to the cover limit selected, of replacing locks and keys following the theft or loss of keys to the boat’s external doors, subject to certain specific exclusions. *
Courtesy Vessel
Covers the cost, up to the cover limit selected, of hiring a replacement vessel if your boat is made unseaworthy as the result of loss or damage covered by this policy, subject to certain specific exclusions. *
Emergency Travel
Covers the cost, up to the cover limit selected, of getting you and your passengers home if your boat is no longer seaworthy due to loss or damage covered by this policy, or serious injury to a key crew member, subject to certain specific exclusions. *
Trailers and Trolleys
Covers costs, up to the cover limit selected, for repair or replacement to your boat trailer or trolley for loss or damage arising from fire, theft, collision, or accident in use, subject to certain specific exclusions and the excess you have chosen. *
NCD Protection
Protects your no claims discount entitlement in the event that you make no more than one claim under the policy in a year. *
Personal Belongings
Covers costs, up to the cover limit selected, for repair or replacement to your or your immediate family’s personal belongings which are lost or damaged on the boat, or in transit to and from the boat, subject to certain specific exclusions and the excess you have chosen. *
Houseboat Contents and Related Options
Offers a range of options for narrowboat / motor barge owners where the boat is their primary residence, such as cover for household contents, cover for possessions taken away from the boat or kept in student accommodation, alternative accommodation costs and public liability. Subject to certain specific exclusions and the excess you have chosen. *
Race Fee Cover
Covers the cost, up to the cover limit selected, for lost entry fees for any races you have booked but are unable to participate in due to insured loss or damage to the boat. *
Cruising Area
Select where you sail your vessel, from inland lakes to the open sea.

Download a Policy Summary or Booklet

Policy Summary Policy Booklet
 

Read our articles

5 Tips to Optimise Your Boat Insurance and Reduce Your Premiums

5 Tips to Optimise Your Boat Insurance and Reduce Your Premiums

5 expert tips to help you reduce your boat insurance premiums, optimise your cover and enjoy flexible, affordable protection .

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Do You Need Boat Insurance in the UK? A Practical, Easy-to-Understand Guide

Do You Need Boat Insurance in the UK? A Practical, Easy-to-Understand Guide

Wondering if you need boat insurance? This guide explains when cover is required by marinas, inland waterways, or if visiting European countries, plus how insurance can protect your finances as well as your vessel.

5 mins
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Boat Insurance Claims: A Complete Step-by-Step Guide

Boat Insurance Claims: A Complete Step-by-Step Guide

Need to make a boat insurance claim? This step-by-step guide explains what to do after an incident, how to stay safe, record damage, notify your insurer, submit documents, and manage surveys, repairs, or settlements.

6 mins
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