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Small Boat Insurance – Compare Cheap Quotes
Whether you own a small sailing boat or speedboat that you use on the open seas, or you use a small motor boat or rowing boat to sedately navigate the UK’s inland waterways, it’s a wise idea to compare small boat insurance quotes for your vessel before you take it out on the water.
After all, even if your small boat isn’t worth a lot of money there’s always the risk that you could damage someone else’s boat while you’re sailing it – costs that you would have to cover yourself if you didn’t have third party boat insurance in place at the very least.
In addition, while boat insurance usually isn’t a legal requirement for seafaring vessels, if you do plan to use your small boat on the UK’s canals or rivers there’s a good chance you will be obliged to take out boat insurance before you can apply for an inland waterways licence.
Whether insuring your boat is mandatory or simply a good idea, though, you shouldn’t have to pay over the odds for your small boat insurance policy. And that’s where we come in.
Quotezone.co.uk’s price comparison service can help you compare small boat insurance quotes from a range of different providers, making it more likely that you’ll find the right policy at the right price
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My small boat doesn’t even have an engine so surely I don’t need to insure it?
The presence or absence of an inboard or outboard engine isn’t the factor that determines whether boat insurance is mandatory or not. Where you plan to sail the boat will usually be the deciding factor, because in most cases boat insurance is required before you take your boat out on a river or canal – even if your small boat is a rowing boat without an engine.
Boat insurance usually isn’t mandatory if you only plan to take your small boat out on the sea, but it probably goes without saying that rowing boats are likely to be more suited to inland waterways.
OK, so what type of insurance do I need if I plan to take my small boat out on the river?
Third party boat insurance is usually the minimum requirement if you plan to sail your small boat on inland waterways like rivers or canals, and in most places your third party boat insurance policy will need to provide you with at least £1 million of coverage.
How much does it cost to insure a small boat?
There’s no universal answer to that question because boat insurance specialists take a wide range of different risk factors into consideration when they are calculating your small boat insurance premium, each of which can have a significant impact on how much you have to pay.
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 boat.
The best plan is to use our price comparison service to compare small boat insurance quotes from a range of different providers, and then go with the one that offers the best coverage at the best price.