RIB Boat Insurance – Specialist Cover for Rigid Inflatable Boats
At Topsail, we provide specialist RIB insurance for boating enthusiasts across the UK and Europe. With over 100 years of combined marine insurance expertise, our team understands the unique needs of rigid inflatable boat (RIB) owners.
Our mission is to help you get the most from your time at sea, with flexible cover options and helpful advice when you need it. We take pride in offering a friendly, personal service and we're always just a phone call or email away.
Whether you use your RIB for leisure cruising, water sports, or international adventures, our specialist cover gives you peace of mind on and off the water. From fire, theft, to loss or damage caused by unforseen events and accidental damage to third-party liability cover up to £5 million - our policies are designed to protect you where it matters most.
We offer both agreed value and market value policies to suit your individual needs.
What does my RIB Yacht insurance policy cover?
- Fire
- Theft
- Accidental damage including underwater gear damage
- Vandalism
- Road transit cover
- Agreed value basis (In the event of a loss you will be paid out what you insured the vessel for).
- Cover for towing Water-skiers and toys can be added if required.
- Mechanical breakdown cover
- Personal Accidental
- Medical Expenses
- Up to 25 % NCB
- Small Craft hire benefit
- Marina benefits
Is Third Party damage covered by my RIB policy?
Yes, our comprehensive policies include up to £5 million liability cover for third party claim protection as standard. In most cases, we can also arrange Third Party Only RIB polices too.
What additional benefits are available?
- Excess Waiver
- Protected No Claims Bonus
- Legal Expenses cover are also available
What cruising areas are covered by my RIB policy?
Our standard RIB insurance covers coastal and inland waterways of the UK and Europe up to 12 nautical miles offshore. Planning a longer journey? We can extend your cruising area to include the Mediterranean or worldwide cover upon request.
Are there any discounts available to me?
We’re proud to support the boating community. That’s why we offer exclusive discounts for Owners’ Associations, Boat Club members and mooring locations. Ask our team if you qualify.
RIB Insurance FAQS - Insurance Explained
Do I need RIB insurance in the UK?
While not always a legal requirement, many marinas, harbours, and clubs will insist on third party cover. Insurance also covers the cost of protecting your investment in case of theft, damage or accidents.
How much does RIB insurance cost?
Premiums vary depending on your boat’s size, age, usage and cruising area, as well as Insurance Premium Tax (IPT). You can get an instant online quote with Topsail in just a few minutes.
What’s the difference between agreed value and market value policies?
- Agreed value: you’re paid the insured amount in case of total loss.
- Market value: you’re paid the current market price at the time of loss or damage.
Can I add water sports cover?
Yes - cover for towing water-skiers, wakeboards, and inflatables can be added to your policy. Additional extras such as legal costs or extended personal accident cover are also available.

Supporting You Every Step of the Way
Choosing RIB insurance doesn’t have to be complicated. At Topsail, we make it simple, clear, and hassle-free. Whether it’s your first policy or a renewal, our team will give you honest advice and support every step of the way.
Get a Quote
If cruising within the UK or Europe, you could be offered an instant quote online which you can purchase immediately.
Get your RIB insurance quote now - click here to access our online Quote and Buy.
Our team will be happy to compare your boat insurance renewal quote or provide you with a quotation for your new boat insurance.
For more information about the features of our Topsail Insurance, please refer to the relevant policy document. Topsail Insurance Ltd is authorised and regulated by the Financial Conduct Authority (300870)