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Sail Boat Insurance – Compare Cheap Quotes
Whether you love to take to the high seas in your sailing boat, or you prefer to hug the coastline as you sail from port to port, it would be a wise idea to invest in a suitable sailing boat insurance policy to protect your boat.
While this type of insurance usually isn’t mandatory for boats that won’t be used to navigate the UK’s inland waterways, it’s still a good idea to take out sail boat insurance even if it is optional.
Not only could the right sail boat insurance help to cover the cost of repairing or replacing your sail boat if it’s damaged or stolen, but the best sail boat insurance policies could also help with the legal fees if you’re ever taken to court by another boat owner or marina operator.
Of course, just because it’s a wise idea doesn’t mean you should pay over the odds for it. And that’s where we come in.
Quotezone.co.uk’s boat insurance comparison service could help you find cheaper sail boat insurance quotes, by comparing policies from a wide range of different boat insurance specialists.
Why should I take out sailing insurance if it isn’t mandatory?
Although sail boat insurance likely isn’t mandatory if you only use it at sea, it’s still a sensible investment because this type of insurance policy can help cover the cost if you crash into another vessel or damage someone’s property.
In addition, many sailing boats are worth a significant amount of money, and if you opt for a sail boat insurance policy that is more comprehensive than a basic third party only boat insurance policy then you’ll usually be covered for any damage your own sailing boat sustains as well.
What’s the minimum level of sailing insurance cover I can get?
If you do decide to insure your sail boat then third party only insurance will be the minimum level of cover you can take out. In most cases this type of policy will provide you with up to £1 million of third party cover.
How much does sailing boat insurance cost?
It’s difficult to predict how much you’re likely to have to pay to insure your sailing boat, because boat insurance companies take a wide range of risk factors into consideration when they are calculating the premium. For instance, the type of sailing boat you own, its estimated market value, its make and model, the year it was built, whether or not it has an engine alongside its sail, where you store or moor it and where you normally sail it can all affect the cost of your sailing insurance.
The best plan is to use our price comparison service to compare boat insurance quotes from a range of different insurance companies, and then go with the one that offers the best coverage at the best price.
My sailing boat has a cuddy – will my sailing insurance cover the contents?
That depends on the type of sail boat insurance policy you take out.
As the name suggests, third party sail boat insurance is designed to protect third parties when you take to the water, and as such it usually won’t pay out for damage to your own vessel or theft of any contents from your sail boat’s cuddy.
Some more comprehensive sailing boat insurance policies might include contents cover as standard, but it’s also possible to add this type of your cover to a more basic boat insurance policy for a small fee.