Charter Hire Day Boat Insurance
| Insurer | Outstanding Policy Features | Quote |
|---|---|---|
| Towergate Mardon and marine and boat insurance specialists, with over 30 years experience offering a true personal service. |  |
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| Noble Marine are specialist insurance brokers providing boat insurance for most types of pleasure craft based in the UK. | |
There’s nothing quite like travelling the waterways of Britain on a day boat, sailing along without a care in the world. But have you given thought to what could happen in the event of an accident? The financial consequences could be severe, even with a small craft such as this, so charter boat insurance should always be considered.
Hire Charter boats and other small craft should always be insured to protect you, your passengers, your vessel and also third parties should anything untoward happen. Third party liability is essential to make sure you’re not personally liable in the event of an accident and subsequent injuries or damage to other people, but it doesn’t stop there.
Your boat could easily be your pride and joy, so it makes sense to be fully prepared for anything that could happen to it. Day boat insurance should include accidental damage cover as well as fire and theft protection, because any repairs or even the possibility of replacing the whole boat can be incredibly expensive. Make sure you’ve got transit cover as well so you’re protected while you’re on the road, and consider any additional contents cover that can be offered as well.
Outboard motors should always be covered, as should any underwater damage to the hull and engines. Personal accident cover should also be considered both for you and any passengers, because you never can tell what’s around the corner. But, bear in mind that some insurers will offer things such as these as standard whereas others will deem them as extras, so always make sure to check.
It’s also worth remembering that there will always be some restrictions, just as you get with any insurance policy. Normal exclusions include things like damage caused by your own seafaring mistakes, any design fault of the vessel, normal wear and tear or damage through lack of maintenance, so always check the small print so you don’t get a shock later down the line.
It’s essential that you go through specialist insurers if you want the best deals, and one of the best tips to find this type of insurance is to thoroughly research the field. You’ll often be able to get online quotes but you might want to speak to someone directly to see if you can get any better deals, because you never know what can be offered if you don’t ask.
So, although day boats may be small, it’s still essential that you have day boat insurance in place. It protects your financial interests so you have nothing to worry about, so make sure to look around and see what you can find.