FAQs - Motor cruiser insurance
Here are some of the questions we are often asked. If you can’t
find the answer to your question, please call us and talk to our
helpful, RYA trained team.
If my stern drive is damaged hitting a
submerged object, am I covered, and is the excess doubled?
You would be covered as our policy covers
damage to underwater gear. Your normal policy excess will
apply.
Can I moor my craft anywhere?
You must advise us of your craft’s
permanent mooring location and we will advise you if it is
acceptable. You should not leave you craft moored and unattended
off an exposed beach or shore.
If a passenger is injured whilst on board am
I covered if he claims against me?
You will be covered for claims against you
by passengers up to the policy limit of £3m. There is also personal
accident cover for the policyholder and passengers aboard the
craft.
Am I covered to tow my boat behind my
car?
If your boat is less than 30 feet (9
metres) in length, normal policy cover will apply. You must observe
security conditions if the craft is left unattended on a journey.
Damage or injury to other persons when the boat is attached is
covered by the insurance of the towing vehicle. Please notify us if
you require transit cover for craft over 30 feet.
Do I get a discount for keeping my boat in a
marina?
We will charge a lower rate if your boat is
in a marina. We will also give you “Marina benefits” which means
that if your boat is damaged on its permanent mooring there is no
excess to pay and your no claims discount will not be
affected.
For more information on this motor
cruiser insurance policy please go to the details and documents section.