See our full list of Insurance FAQs.
Have a question that is not on the list?
Please email us at enquiries@topsailinsurance.com and we will come back to you as soon as possible, or call the office on +44 (0) 1273 57 37 27.
For Over 25 Years
Welcome to Topsail
Boat and Yacht Travel insurance providers who have insured the sailing community for over 25 years.
Boat Insurance
You Are In Safe Hands
Let us compare your insurance renewal quote or provide you with a new quotation. We provide both UK boat insurance but also cover yachts and motorboats sailing worldwide.
Please select your vessel below to learn more and get an instant quote.
Yacht Insurance
Get the right level of coverage for your yacht with Topsail Insurance. We are marine insurance specialists.
Motorboat Insurance
Looking for reliable motorboat insurance in the UK, Europe or worldwide? Topsail Insurance offers tailored cover to keep you protected on the water.
Sailing Dinghy Insurance
Benefit from flexible cover and third party liability of up to £5,000,000 with our dinghy insurance polices.
Inland Craft Insurance
Inland craft insurance policies with coverage for cruising UK and European Inland Non-Tidal waterways.
Narrowboat Insurance
Topsail offers comprehensive insurance policies designed to give you complete peace of mind while cruising your Narrowboat.
Jet Ski Insurance
Cover your jet ski for personal accident, theft, fire and damage. Enjoy your time on the water with peace of mind.
Third Party Insurance
Third party only insurance cover for Sailing Yachts, RIBs, Motorboats and Sailing Dinghies in both UK and European waters.
Travel Insurance
Explore With Peace Of Mind
We offer Single Trip Yacht Travel Insurance and Annual multi-trip Yachtsman’s Travel Insurance. Our Tall Ships Travel Insurance product means we have both the Tall Ships and general sailing community covered.
We also have access to alternative travel insurance products for Adventure Travel, and a specialist Trekking Insurance offering.
Please select your travel product below to learn more and get a quote.
Sailing Travel Insurance
Topsail Insurance offer single trip travel insurance, annual or multi-trip personal travel insurance policies for your next sailing holiday.
Tall Ships And Sail Training Travel Insurance
We provide tailored policies and specialised coverage designed for those sailing as a crew on a ship or undertaking sailing trianing.
Adventure Travel Insurance
If you're heading off on an adventurous holiday involving sports or high-risk activities, make sure you have travel insurance that offers comprehensive protection.
Trekking Insurance
Having the right trekking and hiking insurance is absolutely essential. Have confidence you are adequately covered with trekking insurance with Topsail.
Holiday Travel Insurance (non-sailing)
Looking for a tranquil beach escape? Remember to include travel insurance from Topsail Insurance in your plans.
Charter Travel Insurance
Prioritise safety and peace of mind with our Charter Travel Insurance, offering comprehensive coverage for your sailing adventures.
Sporting Holiday Insurance
Our travel insurance policies offer specialised protection for activities such as mountain climbing, scuba diving, skiing and much more that may not be included in standard travel policies.
Gap Year Travel Insurance
Explore the world with confidence. Topsail’s Gap Year Travel Insurance offers flexible, long-term coverage, with customisable cover options to suit your needs.
Leisure Insurance
For Life's Adventures
Contact our team now for a quotation for your touring or static caravan, with high levels of cover available and personalised benefits.
Please select the type of caravan below to learn more and get a quote.
Topsail Insurance
WE HAVE INSURED THE SAILING COMMUNITY THROUGHOUT THE UK AND WORLDWIDE FOR OVER 25 YEARS.
We provide insurance for Motorboats, Yachts, Narrowboats, Inland Craft, Canal Craft, Dutch Barges, Small Craft, Speedboats, RIBs and Sailing Dinghies and more in both the UK and worldwide.
Our specialist Travel Insurance policies, the Yachtsman’s and Tall Ships Travel Insurance can be purchased via our website, with both Single Trip Travel Insurance and Annual Multi-Trip Travel Insurance available for your boating holidays, tall ships voyage or general sailing with your own boat. The Yachtsman’s & Tall Ships policies include cover for sailing outside territorial waters.
We are pleased to have an active involvement with The Cruising Association and also the prestigious Ocean Cruising Club, offering discounts to members.
Topsail Insurance is a dedicated team of boating enthusiasts who are highly passionate and knowledgeable in Marine and Travel Insurance, with over 100 years of combined experience.
We provide a range of boat insurance options from a basic boat liability, which covers your liabilities with owning a boat, to a comprehensive marine insurance policy.
Boat & Travel Insurance FAQs
How much does boat insurance cost?
Your cover and the policy cost will depend on the type of insurance you need. You can simply take out our Third Party Liability Insurance if you just want to provide protection against damage to another boat, property or injury to another person. This is sometimes referred to as Basic Boat Liability.
We use several different Insurers so let us do the work and where it’s appropriate we can compare insurance prices and terms for you. Some Insurers offer insurance discounts based on your sailing experience, age and where you moor your boat and we’ll look at those where we can.
What does boat insurance cover?
Boat insurance provides financial protection for your vessel against a variety of risks. Typical cover includes accidental damage, fire, theft, malicious, damage and third-party liability, ensuring that you are protected if your boat causes damage to someone else or their property. Policies can often be tailored to your needs, with optional extras such as cover for personal belongings, on-board equipment and emergency assistance.
Do I need boat insurance in the UK?
Though boat insurance is not a legal requirement, most marinas and harbours will require boat owners to have insurance, as well as if you're using your boat on inland waterways. Without sufficient insurance coverage you may face limitations on how you use your boat. Not only that, having insurance offers you peace of mind that you, your property and finances are protected in the event of an incident.
Do Topsail offer Third Party Liability only cover?
Yes. Depending on your vessel and requirements, we can offer standalone Third Party Liability coverage. We can offer up to £5,000,000 cover (any one accident).
Do Topsail insure all types of vessels?
Yes, we can insure nearly all vessel types – from sailing dinghies, ocean going vessels and RIBs to luxury motorboats, narrowboats or inland craft. Big or small, if it floats it is likely we will be able to help.
Do you provide boat insurance covering racing?
Yes, we do have access to insurers that offer racing cover. This depends on your vessel and the type of racing you want to do.
What is the difference between fully comprehensive and third-party only insurance?
Comprehensive insurance covers a range of potential risks, whereas Third Party Only insurance would only cover costs incurred by a third-party and not damage to your own vessel. Depending on your boat details, we may be able to quote for both options.
Can I increase my excess in return for a discount?
You can usually increase your excess in exchange for a premium reduction, depending on which insurer you are receiving a quote from. Please discuss this with a member of a our team if you wish to increase your excess.
Our Partners
Proud to Be Associated
Topsail are proud to partner with a number of respected Marine Organisations and Owners Associations. We are often able to offer discounts and special benefits too. Click the logos for more information.
