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OVER 25 Years OF MARINE INSURANCE EXPERTISE

Boat Insurance

Topsail specialises in insurance for various vessels, including yachts, motorboats, narrowboats, and more. Our comprehensive plans include protection against accidental damage, fire, theft, and third-party liability coverage.
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Get a Boat Insurance Quote

Topsail are boat insurance specialists with over 25+ years of marine insurance expertise. We provide comprehensive coverage for all types of boats, ensuring peace of mind for our customers on the water.

Our insurance policies cover many types of boats, sea-going vessels, and other craft. We’re confident that we have an insurance policy to suit your vessel type.

Quote and buy online or call us on 01273 57 37 27.
Yacht Insurance
Get the right level of cover for your yacht with Topsail Insurance. We are marine insurance specialists.
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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.
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RIB Insurance
Our RIB Insurance Policies cover cruising in UK Waters, Europe and Worldwide for both small and large RIBs. Get an instant online quote.
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Sailing Dinghy Insurance
Benefit from flexible cover and third party liability of up to £5,000,000 with our dinghy insurance polices.
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Inland Craft Insurance
Inland craft insurance policies with coverage for cruising UK and European Inland Non-Tidal waterways.
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Narrowboat Insurance
Topsail offers comprehensive insurance policies designed to give you complete peace of mind while cruising your Narrowboat.
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Jet Ski Insurance
Cover your jet ski for personal accident, theft, fire and damage. Enjoy your time on the water with peace of mind.
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Third Party Insurance
Third party only insurance cover for Sailing Yachts, RIBs, Motorboats and Sailing Dinghies in both UK and European waters.
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Speedboat Insurance
Comprehensive speedboat cover for European and UK coastal & inland waters with up to 12 nautical miles offshore covered as standard.
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Long Distance Cruising
Regarded as one of the market leaders in this field, our team work with you on a one-to-one basis to ensure you have the widest possible cover.
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Comprehensive Boat Insurance Cover

We can insure a range of vessels including motorboats, yachts, keel boats, RIBS, river boats, inland cruisers, narrowboats or small day boats, along with many more.

Boat insurance is there to offer financial protection if there's an incident with your vessel. Our insurance policies can cover everything from accidental damage to your boat, third party cover, fire, theft and malicious damage.

Get a quote today!

Finding the Best Cover for You

We are a long-standing insurance company with extensive knowledge and expertise of the marine industry, meaning we can find the perfect insurance plan to meet your needs. Our friendly, supportive staff will make it easy for you to find the policy that you want quickly, giving you peace of mind.

We find the best price and get you covered online instantly so you can set sail fully covered right away.

Contact Details

Get in touch today for further information on our services or for more details about how insurance works, take a look at our boat FAQ's.

Boat 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.

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