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Sports Boat Insurance – Compare Cheap Quotes


Whether you like to compete in sports boat races and regattas, or you prefer to compete with yourself and the sea when you take your boat out, it would be a wise idea to invest in sports boat insurance.

In fact, some races and regattas will insist that you have this type of sports boat insurance policy in place before you can compete – but even when it isn’t mandatory, it’s still worth considering.

After all, most sports boats are worth a considerable amount of money, and the right sports boat insurance cover can protect your boat and help cover the cost if it is ever damaged or stolen.

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Why should I take out sports boat insurance if it isn’t mandatory?

Although sports boat insurance may not be mandatory if you only use it at sea and don’t intend to enter any races or regattas, it’s still a sensible investment because this type of insurance policy can help cover the cost if you crash into another boat or damage someone’s property.

In addition, many sports boats are worth tens of thousands of pounds, and if you opt for a sports 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 boat sustains as well.

Finally, if you do plan to compete in boat races it’s possible you might be obliged to insure your sports boat before you can enter, and it’s also worth noting than some marinas will insist on you have sports boat insurance in place if you plan to berth there.

What’s the minimum level of insurance cover I need for my sports boat?

If you do decide to insure your sports boat then ‘third party only boat insurance’ will be the minimum level of cover you can take out. In most cases this type of policy will provide you with £1 million or £2 million worth of third party cover, although some may extend this to £5 million.

How much does sports boat insurance cost?

That’s a difficult question to answer without considering the specific risk factors relating to your own sports boat.

For instance, the type of sports boat 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 berth it and where you normally sail it can all affect the cost of insuring a sports boat.

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.

Will this type of insurance cover the contents of my sports boat?

That depends on the type of sports boat insurance policy you take out.

As the name suggests, ‘third party sports 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 sports boat.

On the other hand, if you opt for a more comprehensive sport boat insurance policy then it’s possible it might include contents cover as standard, although you should double check the policy features before signing up.

If contents insurance isn’t included as standard it should be possible to add this type of your cover to a more basic boat insurance policy for a small fee.