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Powerboat Insurance – Compare Cheap Quotes


Most powerboats are used at sea rather than on inland waterways, which means powerboat insurance usually isn’t mandatory. However, it’s still a wise idea to compare powerboat insurance quotes before you take the ship’s wheel, even if this type of insurance isn’t a legal requirement.

After all, even smaller, older powerboats can be worth a considerable amount of money, and if you own a newer high-end powerboat your vessel could be worth a small fortune.

In addition, while boat insurance usually isn’t a legal requirement for seafaring vessels, some marinas do stipulate in their membership contracts that you must have this type of insurance in place before you berth your vessel there.

Luckily Quotezone.co.uk’s boat insurance comparison service can help you compare quotes from a range of different powerboat insurance brokers and boat insurance specialists, making it more likely that you’ll find the right policy at the right price

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What type of insurance do I need if I plan to take my powerboat 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.

However, it’s important to bear in mind that there is a strict speed limit of 6 miles per hour on most rivers in the UK. Since powerboats are usually motor boats that have been tailor-made to travel at much higher speeds than that, you are likely to get much more from your boat if you use it in coastal waters rather than on the river.

How much does powerboat insurance cost?

Boat insurance specialists take a wide range of different risk factors into consideration when they are calculating your premium, so it’s impossible to give an idea of how much you’re likely to pay to insure your powerboat without taking these variables into consideration.

For instance, the type of powerboat you own, its estimated market value, its make and model, the year it was built, the type of engine it has, where you store or moor it and where you normally sail it can all affect the cost of insuring a powerboat.

The best plan is to use our price comparison service to compare powerboat insurance quotes from a range of different providers, and then go with the one that offers the best policy at the best price.

Does powerboat insurance cover the contents of my boat too?

When you take out a powerboat insurance policy boat contents insurance often isn’t included as standard, but it is usually possible to add it to your basic boat insurance policy for a small fee.

If your powerboat has a cuddy that you use to store equipment, clothing or gadgets then it’s certainly worth considering adding boat contents cover to your powerboat insurance policy, although in order to ensure you’re covered you will need to confirm that your powerboat has adequate security features and insurer-approved locks.