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.
Topsail Insurance
SINCE 1996, WE’VE SUPPORTED BOAT OWNERS WITH CLEAR AND DEPENDABLE MARINE COVER.
Our boat insurance policies span yachts, motorboats, narrowboats, inland craft, RIBs and many other vessels, giving you reliable protection whether you sail locally or travel worldwide.
We understand the needs of people who spend time on the water and offer cover that reflects real boating life, from day sailing to extended cruising.
We provide Yachtsman’s and Tall Ships Travel Insurance for time spent at sea and offer a wide choice of general travel policies for holidays, adventure trips and journeys that aren’t sailing related.
These options are designed to give you flexibility and peace of mind wherever you choose to go.
For time on land, our leisure insurance offers tailored cover for touring and static caravans. This gives you dependable protection for trips throughout the UK and for longer stays at your chosen park or pitch.
With over 100 years of combined experience, our team delivers clear advice and competitive pricing. We are here to help you choose the right cover and feel confident that your plans are protected.
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 a boat insurance quote.
Yacht Insurance
Motorboat Insurance
RIB Insurance
Sailing Dinghy Insurance
Inland Craft Insurance
Narrowboat Insurance
Jet Ski Insurance
Third Party Insurance
Speedboat Insurance
Long Distance Cruising
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
Tall Ships And Sail Training Travel Insurance
Adventure Travel Insurance
Trekking Insurance
Holiday Travel Insurance (non-sailing)
Charter Travel Insurance
Top Up Cancellation Cover
Sporting Holiday Insurance
Gap Year Travel Insurance
Backpacker Travel Insurance
Winter Sports Travel Insurance
Marine Trades Insurance
Professional services
Our commercial marine team has specialist knowledge of the marine trades industry. From marinas, boatyards and sailing clubs to small businesses providing yacht maintenance services, we can arrange comprehensive quotes from a panel of leading marine insurers.
Mobile Marine Trade
Marine Trade
Commercial Craft
Protection & Indemnity (P&I)
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.
Touring Caravan Insurance
Static Caravan Insurance
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.
