Hey, Quidco Member

Compare boat insurance quotes

Do you own a boat? Get a boat insurance quote today and earn £2 cashback on top*

boat insurance
boat insurance

Compare a range of top providers to get a cheap boat insurance quote

Get quotes

Spend some time entering details about your boat. You’ll get access to a variety of quotes so that you can find the right one to suit you.


Compare the UK’s most reputable policies and prices to find the right insurance plan for you.

Get paid

Choose a policy. Your cashback will be on its way and in your account in less than 60 days. 

Why get a boat insurance quote here?

If you own a boat, whether you use it for business or pleasure, it's important to make sure you have the right level of cover. When you compare boat insurance policies at Quidco Compare, you can choose from several different quotes and receive cashback when you switch.

What is boat insurance?

With access to over 41,000 miles of river in England and Wales, it’s no surprise 82,000 of us own a boat. Whether it’s for leisure, or living purposes, our marine activities are somewhat of a comfort on the British Isles. 

Like most vehicles, boats can be a huge financial investment, therefore having the right protection in place is imperative for peace of mind. Boat insurance is a specialist type of insurance specifically for houseboats, barges’, speed boats and yachts. 

So make sure you cover your luxury cruise liner, or humble houseboat on the shores and out in the waves with boat insurance. By comparing policies at Quidco, you could receive up to cashback on top of your savings, too!

What does boat insurance cover?

Each policy will offer something unique specifically designed for your barge, houseboat, or yacht insurance, but it’s important to get a quote that has these factors as a standard. 

Accidental damage

This includes the costs of fire, theft, and malicious damage, as well as sinking, stranding, collisions, and salvage.

Damage to the engines

Whether it’s an accident caused by yourself or someone else, with the right level of cover, you should be covered by damage to the engines.  

Damage in transportation

A standard policy should cover you from any damage sustained while transporting your boat - but this can vary from each provider, so make you double check the policy you choose. 

Other damage coverage

  • Damage caused during lifting and launching
  • Damage to or loss of your boat due to latent flaws
  • Damage caused by frost

Cover for personal items

Contents insurance is usually included in a standard boat policy, but double check before committing to anything. 

Commonly excluded from boat insurance policies

Wear and tear

Boats require a fair bit of maintenance, and usually, it is up to you to stay on top of this. Insurers are not likely to pay out for claims against wear and tear as this is usually very common.

Deliberate acts of negligence or recklessness

If you were to leave your boat somewhere deemed dangerous and not have the right protection, i.e wheel clamps, then you most likely won’t be covered by your insurance provider. So it is important to always make sure you keep your vessel secure. 

Drugs or alcohol

If you are under the influence of drugs or alcohol when operating a boat then it’s likely your claim will be rejected in the event of an accident. 

Not wearing the correct equipment

For example, this applies to individuals not wearing ‘kill-cords’ on vessels which require them, such as jet skis.

Other policy factors to look out for when applying for boat insurance

Sailing limits

Always double-check the cruising range of your coverage. UK insurance typically only covers inland and coastal waterways in the UK, so if you want to sail further away, you'll need to increase your limits.

Seasonal cover

Some plans only cover you during particular periods of the year and require you to keep your boat ashore for the rest of the year. Check policy limitations: if you are at sea when you should be ashore (due to poor weather or an unexpected sailing delay), you may be out of luck.

Water sports

If you want to use your boat for water sports, such as towing inflatables, make sure your insurance coverage covers it.

Trailer condition

Remember to keep your trailer in good working order: if this fails, your boat may be damaged and rendered unseaworthy under your policy. Examine the wheel bearings, hitch latches, and breakaway cables thoroughly.

The different types of insurance

Just as with other vehicles, with boat insurance you have the options of third party, third-party fire and theft, or comprehensive cover.

Third party only

If your boat is damaged while out, then you won’t be covered with third party only. But it will cover you financially should someone place a claim against you. 

Third-party, fire and theft

Third-party fire and theft insurance protects you if your boat is stolen or catches fire, as well as third-party damage.

Comprehensive cover

This level of cover provides the highest level of protection against both your personal losses and those caused by you to others.

Do I need boat insurance?

Whilst it is not a legal requirement to have boat insurance on all waterways, the high value of boats and the possibility of injury make it risky not to have it. What’s more, you may find that many marinas require a minimum of third-party insurance if you want to utilise their facilities.

So it’s best to consider what you plan to use your boat for if you’re considering taking out insurance against it.

How much does boat insurance cost?

Typically, there is no one-size-fits all option for boat insurance as they are all different. By comparing boat insurance policies with a comparison tool such as Quidco, you can choose from a range of providers to find a deal that suits you. Additionally, you could receive cashback on top of your savings! 

What information do I need to get a quote?

There are several elements to a boat insurance policy that will affect the overall cost of your policy. Along with some personal information about yourself, insurers will need to know the following information to put a quote together for you: 

  1. The size of the boat
  2. The age of the boat
  3. Where it will be kept when not in use
  4. The material it is made from
  5. The type of boat
  6. What you plan on using it for

How to get the best policy for boat insurance in the UK

Compare quotes at Quidco, and not only will you be able to shop from a range of providers for boat insurance in the UK, what’s more, you can receive cashback, too! 

Make sure you’re only paying for what you need when taking out a new boat insurance policy, you don’t want to overpay for a vessel much larger than yours with a bigger engine. Another way to keep premiums down is to make sure the boat is fully secured, by ensuring it has somewhere safe to be stowed when not in use will save you money on insurance quotes.

Boat insurance FAQs

What is boat insurance?

Boat insurance is a specific type of insurance policy which is taken out in order to protect your vessel, on and off the waterways. Physical damage to equipment such as the hull, sails, machinery, furnishings, on-board equipment, and trailer is covered by boat insurance.

How much is boat insurance a month/year?

The price of your monthly, or annual premiums is usually dependent on the type of boat you have, the age of it, what material it is made out of and where it is kept when not in use. By comparing boat insurance policies at Quidco, you can choose from a range of different providers to find a deal that suits you best.

What does boat insurance typically cover?

Accidental damage, including fire, theft, and malicious damage, sinking, stranding, collisions, and salvage charges are typically covered by standard boat insurance policies.

Does homeowners insurance cover a boat?

Boats have a large recovery and replacement cost, as well as their own set of risks. As a result, insuring them makes sense. While your home insurance or car insurance may provide some coverage, there are several compelling reasons to obtain dedicated boat or watercraft insurance.

Should I get boat insurance?

Whilst it is not a legal requirement in the UK to have boat insurance, some waterways and marinas will require you to have third party insurance as a minimum to use their facilities. It is also wise to have against something of such high monetary value, should anything unforeseen happen.

Is it illegal to not have boat insurance?

No, you can sail away without insurance, but it is recommended to have some level of cover in place. 

Useful information

Please note: by clicking the “Get a quote” button, you consent to your details being transferred to up to five insurance providers. The insurance providers will contact you via telephone to discuss your policy.

Please note:

  • Cashback is only available for genuine quotes.
  • Cashback is limited to 3 quotes per person for each product per year. Abuse of this may lead to the termination of your Quidco account.
  • Any user found giving false details will have their Quidco account terminated.

When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.

The comparison service for insurance accessed via Compare is provided by Quotezone, 100% independent UK insurance comparison. Quidco is a trading style of Maple Syrup Media Ltd, who are an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone, who are authorised and regulated by the FCA, number 313860. Quotezone run and operate the insurance comparison service. By using this system you are agreeing to our terms and conditions & privacy policy.

*Cashback rates - £2 per valid boat insurance purchase.