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If you’re the proud owner of a classic boat you’re probably going to want to invest in classic boat insurance, particularly if the vessel is your pride and joy.
Of course, depending on where you plan to sail your boat it’s possible this type of insurance policy might not be optional. For instance, if you own a classic boat that you intend to use on the UK’s inland waterways then boat insurance is often a mandatory requirement before you can apply for your waterways licence.
But even if you only intend to sail your classic boat at sea, and therefore aren’t obliged to take out classic boat insurance, it’s still worth taking out this type of insurance cover. After all, most classic boats are worth a considerable amount of money, and the right classic boat insurance cover can protect your boat and help cover the cost if it is ever damaged or stolen.
What type of insurance do I need if I plan to take my classic boat out on the river?
Third party boat insurance is usually the minimum requirement for inland waterways, and in most places your third party boat insurance policy will need to provide at least £1 million of coverage, although some waterways authorities now insist on £2 million of coverage.
How much does it cost to insure a classic boat?
It’s impossible to give an accurate answer to that question without taking into account all the variables boat insurance specialists will consider when calculating your classic boat insurance premium.
For instance, the type of boat you own, its estimated market value, its make and model, the year it was built, the type of engine your boat has (if it has one), where you store or moor it and where you normally sail it can all affect the cost of insuring a clasic boat.
The best plan is to use our price comparison service to compare boat insurance quotes from a range of different providers, and then go with the one that offers the best coverage at the best price.
Should I use a classic boat insurance broker?
If you’ve found a boat insurance broker that specialises in insuring classic boats then it’s definitely worth checking the types of boat insurance quotes they can offer you.
However, some insurance brokers have relationships with a fairly limited number of insurers, so if you do plan to check quotes from a classic boat insurance broker it might be a good idea to compare quotes through a price comparison site like Quotezone.co.uk at the same time.
That way you will get quotes from a broader range of insurers, which could increase your odds of finding the right insurance policy at the right price.
Will I need classic boat insurance if I plan to moor my boat at a marina?
Yes, most marinas will insist that your classic boat is insured before you can moor it there, and they may ask for proof of insurance before renting you a berth.
The reason for that is fairly simple – if your classic boat damages one of the other vessels in the marina the operators will need to be confident that you have an insurance policy that can cover the cost of repairing that third party’s vessel.