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Water&WindIndependent
since 2019
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Insuring your boat

What cover do you need, and where do you get it? We explain the types of cover, help you choose and list the providers. You then compare premiums with the providers themselves.

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Guide

Three questions, one suggestion

1. What is your boat worth?
2. How do you use the boat?
3. Where do you go boating?
Our suggestion
Fully comprehensive (all-risk)

With a valuable boat, or if you go boating a lot or fast, damage you cause yourself or a collision is covered too. That is what fully comprehensive cover is for.

  • Trailer or dinghy? Ask whether they are covered too.
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An indication, not personal advice. The insurer assesses your situation.

Which cover suits you?

Three common types, from basic to comprehensive. Each one also covers what the previous one covers.

BasicMatches your answers

Third party

Legal liability: damage you cause to others with your boat.

Usually covered
  • Damage to other boats, jetties and property
  • Injury to others caused by your boat
Usually not covered
  • Damage to your own boat
  • Theft of your own boat or engine

Often chosen for: older boats with a low current value. Often required by marinas and for speed boating.

MediumMatches your answers

Limited hull

Third party plus damage to your own boat from a number of named events.

Usually covered
  • Everything in third party
  • Fire, lightning and explosion
  • Storm damage
  • Theft of the boat, often also of the engine
Usually not covered
  • Damage you cause yourself or a collision
  • Wear and tear and poor maintenance

Often chosen for: boats a few years old that are still worth protecting.

ComprehensiveMatches your answers

Fully comprehensive (all-risk)

Third party plus almost all damage to your own boat, even if you cause it yourself.

Usually covered
  • Everything in limited hull
  • Damage you cause, collisions or running aground
  • Often also equipment and contents on board
Usually not covered
  • Wear and tear and poor maintenance
  • Deliberate damage or damage under the influence

Often chosen for: new and valuable boats, and boats that are used a lot or go fast.

What exactly is covered differs per provider and policy. Always read the policy conditions, including the excess.

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Where to get cover

Watersports specialists, insurance brokers and major insurers. You will find premiums and conditions on their own sites.

Watersports specialists

Insure only or mainly boats. They know watersports and the claims that come with it, also for special vessels and sailing at sea.

How we sort. Specialists come first, because they are less well known. Within each group by name (A–Z). A provider can appear in more than one group. We receive no fee from any insurer: the list is fully independent. Last checked: 6 October 2026.

What to ask your insurer

Four points where policies often differ.

Value

Which value do you insure: purchase value, current value or surveyed value? Ask whether you need a valuation report and how long it is valid.

Trailer and dinghy

A trailer, dinghy or separate outboard engine is not always covered by the policy. Ask whether you need to declare them separately.

Theft prevention

Many policies set requirements, such as an approved engine lock or chain lock. Ask which requirements apply and what happens if you do not meet them.

Navigation area

Inland waters, coast, Wadden Sea or abroad: not every policy covers every water. Tell them where you will actually go boating.