Services
Customer Zone
Please enter your 7-digit policy ID to continue
Please enter your 7-digit policy ID to continue
For boat insurance call us on 01608 647400
Compare boat insurance and save with top UK providers. Our comparison tool simplifies the process, ensuring you get the protection you need at the most affordable price. Full cover and third party cover available. Get a quote and buy online today.
Start your quote
In under 2 minutes from one of our specialist providers
Collisions are the number one cause of insurance claims for boats
We cover over 15 kinds of water crafts for UK boat insurance
Navigating the waters with peace of mind begins with finding the right insurance for your boat. Our comparison engine quotes for many craft types, from yachts and motor boats to sailboats, personal watercraft like jet skis, fishing boats, and even paddleboards. With more than ten comparative prices at your fingertips you'll be able to find an insurance policy that suits your needs. Get a boat insurance quote today.
"Boat insurance is an essential aspect of owning and enjoying your vessel, protecting you from theft, accidents, and unforeseen events. Having the right cover in place is crucial for the safety and security of your boat and your precious time spent on the water. My advice to all boat owners is to invest in a comprehensive insurance policy, so you can navigate with confidence and peace of mind. After all, it's better to be prepared and protected than to find yourself in a difficult situation, wishing you had taken the necessary precautions."
- Stephen Corbett, UK Boat Insurance Lead
Boat insurance is not generally a legal requirement for every boat in the UK. However, insurance may be required by a navigation authority, marina, harbour, club, or lender. Another organisation may also require it.
This can be a condition for using or keeping your boat in a specific location.
The level of cover required can also vary. For example, a marina or navigation authority may require a minimum level of third-party liability cover.
If you're planning to use your boat outside the UK, check the insurance requirements that apply to your destination and cruising area.
Even where insurance isn't compulsory, third-party liability and cover for damage, theft and other risks can help protect you from potentially significant costs.
Boat insurance premiums vary depending on the type and value of your boat, how you use it, where it is kept, your experience and the level of cover you choose.
Based on InsureMy boat quote data collected between June 2025 and June 2026, third-party cover can cost less than £50 a year, while comprehensive motorboat cover can be around £180 a year.
These are indicative figures rather than guaranteed prices, and your actual premium will depend on your circumstances.
Read our full 2026 guide to boat insurance costs
Based on InsureMy boat quotes data, collected between June 2025 and June 2026, accurate as of June 2026
Comparing quotes from multiple insurance providers online will help you find a policy that suits your needs and budget.
Maintaining a clean boating history with no claims can lead to lower insurance costs over time.
Installing security measures such as alarms or high-quality locks can result in discounts from some insurers.
Gaining helmsman, skipper, or yachtmaster qualifications can help reduce your premiums, as insurers often view experienced boaters as lower-risk clients.
Keeping your boat in a marina berth or a secure location can sometimes qualify you for a special discount on your insurance premium.
If you only use your boat during certain months, you might qualify for a discount during the off-season when your boat is not in use.
If possible, opt to pay your premium annually rather than in monthly instalments. Many insurers offer discounts for policyholders who pay upfront, and you may also avoid the additional interest charges that can accumulate with monthly payment plans.
If it floats, we cover it! At InsureMy, we know that not every boat needs the same cover, that's why we have our panel of top UK leading brokers to help you get the policy suited for you. Set sail on your new adventure fully covered with a boat insurance online quote today!
Find the best price for you and get covered instantly online
Hassle-free fully comprehensive cover available from our top-rated providers.
Discounts available for all our policies.
We offer thousands of custom options to help you find a policy you'll love.
Our customers stay for an average of 5 years
That’s why over 230,000 people insure with us every year.
