Bespoke Yacht Insurance
Comprehensive Insurance - Protection Against Fire, Theft, Accidental Damage.
Our Yacht Insurance Policies cover sailing vessels both large and small cruising UK Waters, Europe and Worldwide. Whether you're looking to renew your boat insurance or inquiring about coverage for a new vessel, we've got you covered.
Get the right level of coverage with our yacht & sailing boat insurance so you can enjoy cruising on your Yacht, Keel Boat, Sloop, Catamaran or Sailing Boat with confidence.
Why Choose Topsail Insurance?
At Topsail Insurance, our team combines over 100 years of experience in marine insurance and boat insurance. We provide tailored guidance to help you find the right boat insurance coverage options for your specific vessel and cruising needs.
We pride ourselves on our personal service. Our team of experts is available to advise on the appropriate level of coverage, explain policy options, and help ensure your boat insurance cost is competitive. With Topsail, you’re speaking to real people who understand marine insurance, not automated systems.
Feel free to reach out to our dedicated team of real people for tailored advice on our policies. Whether you're unsure about the appropriate level of insurance for your needs or seeking guidance on the best coverage for your boat, we're here to assist you.
Our policies offer comprehensive and flexible cover for both local and offshore sailing.
We can provide both agreed value and market value insurance coverage to suit your individual needs.
Types of Boats Covered
Our insurance can be tailored for a wide range of types of boats, including:
- Keel boats and day sailors
- Cruising yachts
- Catamarans
- Sloops
Whether your boat is used for leisure sailing, competitive racing, or long-distance cruising, our policies offer comprehensive insurance. Additional coverage can include personal belongings onboard, safety equipment and crew, giving you full peace of mind while on the water.
Frequently Asked Questions
What is typically covered under our Yacht Insurance Policy?
Your insurance policy will include coverage for:
- Fire
- Theft
- Accidental damage
- Vandalism
- Lightning
- Collision
Do I need boat insurance?
Boat insurance is not a legal requirement in the UK, however, typically marinas, harbours and navigation authorities require yacht owners to have at least third party liability insurance to access their facilities and waterways.
Is Third Party damage covered?
All policies include third-party liability cover up to £5 million as standard, which is typically legally required by marinas, harbours and navigation authorities. For those seeking minimal coverage, we also offer Third Party Only policies.
What additional benefits are included?
Many of our polices include:
- Personal Accident Cover
- Medical Expenses
- Up to 25 % NCB
- Marina benefits
We can often offer Excess Waiver, Protected No Claims Bonus and Legal Expenses cover.
What cruising areas are included?
Topsail Insurance covers UK, European and worldwide/bluewater cruising. Our marine insurance policies are designed to support sailors wherever their adventures take them.
Do we provide any discounts for our services?
We are proud to deliver competitive insurance premiums. We also offer insurance cost discounts for a number of Owners’ Associations and Yacht Clubs, such as our partners, The Cruising Association and Ocean Cruising Club.
Next Steps
You can get an insurance quote through our online Quote and Buy system. We will provide you with an instant quote online which you can purchase immediately.
Our team will be happy to compare your boat insurance renewal quote or provide you with a quotation for your new boat insurance. Enjoy making memories, we’ll handle the rest.
For more information about the features of our Topsail Insurance, please refer to the relevant policy document and terms and conditions.
With over 1000 reviews on Google from satisfied clients, Topsail Insurance stands as a trusted authority in the field. Rest assured, you're in capable hands with our team of experts.
Enjoy making memories, we’ll handle the rest.
