If you are thinking about waterskiing whilst on holiday or off the sunny shores of the UK it is important to ensure that you are fully protected in the event of any unexpected incidents. As a boat owner it is particularly important to obtain water ski boat insurance to cover any costs involved if you have an accident.
Waterskiing is a relatively safe water sport but it still has a risk associated with it and so does your boat. You can seek insurance policies which provide the financial cover you require for your boat and also insure your waterskiing activities.
A water ski boat insurance policy should provide you with peace of mind that you are fully protected in the event of an accident. These policies can sometimes be more expensive than other boat policies but that it due to the nature of the speed at which you cross the water and the activity itself.
Cover for water skis is slightly less costly than cover for water toys such as inflatable donuts as in these situations the person being towed can’t control their direction, whereas a water skier has more control. However, the sport does still involve you travelling at fast pace over water and injuries are usually due to a collision with other riders, swimmers, boat, or docks.
When searching for a boat and water ski insurance policy there are number of things you should expect your policy to include, such as:
• Liability Cover
• Water Skiing Liability
• Protection against fire and theft
• Cover whilst the boat and water skiing equipment is in transit
• Cover against all risks relating to accidental damage or loss
• Agreed value insurance cover
• Personal accident cover
Although water ski boat insurance can provide financial protection in the event of accidents, you can’t put a price on your health and safety. You should avoid waterskiing if you suffer from back or neck problems or have previously suffered a severe injury. It is also a good idea to ensure that you have an adequate travel insurance policy in place if you are waterskiing abroad. It is easy to forget about the sun when you are having fun in the water, but it is essential that you are always protected by a suitable sunscreen.
If you are looking to use your boat for waterskiing, or act as the person being towed, it important to have a water ski boat insurance policy in place.
If you have purchased a sports boat, you will probably find that your sports boat insurance has much higher premiums than cover for other similarly priced vessels. This is typically because people that purchase sports or speed boat buy them for one reason and one reason only, to go really fast across the water. As such, you should expect this sort of insurance to cover to be far higher due to the increased risk of an accident or injuries. The idea is similar to that of sports car insurance; you would expect a Ferrari to have a higher premium than a Nissan Micra.
If you are planning on using your boar for water skiing and other similar activities it is important that you inform your insurance provider of this. Firstly because the actual equipment, the skis or the inflatable donut etc. has to be insured; and secondly, because your use of the boat can alter the cover you require.
The insurance cover for toys can add an extra expense to the boat owner as the person being towed by the speed boat is unable to control their direction, making an accident or collision in the water more likely. However, a water skier is less risk to people and property around them as they have the ability to alter their direction independently of the speedboat.
When searching for sports boat insurance you should look for the following options in your policy:
- Personal liability cover for you or anyone in charge of your sports boat
- Water skiing and water toys liability
- Underwater damage to hull and engines
- Cover against fire and theft
- Agreed value
- Accidental damage or loss
- Cover whilst the vessel is in transit
- Personal accident cover for you and your passengers
There are some general exclusions which apply to sports boat insurance:
- Loss or damage intentionally caused by you or someone with your consent
- Loss or damage caused by wear and tear
- Loss or damage caused by insects, damp and marine life
- Theft of boats not marked with the name of the parent vessel
- Theft of outboard motor unless secured to vessel with anti-theft device
These are just a few things you need to consider when purchasing sports boat insurance, although it can be quite expensive, it is important you are adequately covered to protect you and others around you. The security of holding suitable insurance will far outweigh any costs incurred.
If you’re the proud new owner of a new boat, you need boat insurance. Whatever type of boat you own, a yacht, a cruiser, a dinghy, an RIB or a jet ski, they all pose the same risk to you, your passengers and other sailors. There is no need for hassle when looking for a policy, developments in technology now allow us to get an instant boat insurance quote online.
Many professional marine insurance companies are now able to deliver the same excellent standard of service online as they are over the telephone or in person. When looking for policies on the internet you should still expect the company to deal with you efficiently, honestly, whilst assessing your individual needs.
Just because you are seeking an instant boat insurance quote does not mean that you should have to accept an ‘off-the-shelf’ policy. The insurance provider should still ensure that the policy is tailored to your needs, rather than a standard policy which probably provides cover you do not need in some areas, and a lack of cover where you need it most.
Boat crime and accident are a common occurrence on UK waterways so it is so important that you ensure that your vessel is protected. It is impossible to prevent these instances, but you can protect yourself against any unwanted costs by obtaining an adequate boat insurance policy.
The internet has allowed boat owners to take the hassle and stress out of searching for that all important policy. Low cost marine insurance is now available within minutes when you purchase online.
Perhaps your investment was a last minute purchase and you need a suitable boat insurance policy fast. Well searching for instant boat insurance quote on the internet and following up with an online payment means that you could be sailing safely within just a few hours.
Just because you are in a rush or don’t have the time to spend contacting each insurance provider via telephone is no excuse not to have a policy in place. Without boat insurance you are leaving yourself vulnerable to the financial consequences of an accident or crime. You cannot prevent your boat being vandalised or damaged by the water, but you can ensure that you can pay for repairs and get back to the waters as soon as possible.
If you’re sailing off the UK coast on your new boat on a beautiful summers day, the chances that you are thinking of what could co wrong are slim. However, whether you are the proud new owner of a yacht, rowing boat, fishing boat, catamaran or dinghy, the risks to you and other sailors are the same. Before you set sail it is essential that you seek a suitable boat insurance policy. The first thing people are concerned about when seeking insurance is the outrageous boat insurance quotes.
There are a number of places to start online when looking for affordable boat insurance but if you’re unsure why not start with a search engine. Simply typing in “boat insurance” will provide you with a whole host of suggestions.
By carrying out a price comparison for your boat insurance policy and receiving a number of boat insurance quotes you should get an idea of which providers are able to offer you the best prices for your cover. Once you have a few top insurance providers it is time to see what they can offer. Remember that the cost of your boat insurance is not everything and it is absolutely essential that you know exactly what you are covered for.
There are different types of boat insurance, for example, you might only have third party liability insurance. Although this is the most important basic policy to obtain, only holding this insurance cover can cause some difficulties if you were to ever have your vessel damaged or stolen. This cover only pays out in the event that you need to pay compensation for damage or injury to another person or their property. Third party cover will provide you with some of the most affordable boat insurance quotes but not necessarily the most effective.
Consider how you would afford the necessary repairs to your boat should you be involved in an accident, or if it was vandalised, or caught up in a fire? Would you brand new purchase be sidelined until you could pay the costs? By looking for a more comprehensive level of cover you could ensure that your insurance provider will pay out in most cases.
Comprehensive cover does not have to be expensive, search online for the most affordable boat insurance quotes, and then take to contacting each provider individually. The company might be able to tailor the quote to suit you, perhaps saving some money on your annual premium.