Noble Marine Insurance are a specialist boat insurance provider with over 30 years experience in insuring everything from surfboards to £1m racing yachts.
Our marine team has decades of experience that has allowed us to develop our own policy wordings tailored to the specific needs of the varied types of craft and users. This enables us to cater for everything from standard craft to the more unusual and specialist craft.
All our claims are handled by our own, in house, team. This means that we can settle claims quickly and we can also help you find a suitable repairer if you need us to.
Whether you own a single boat or multiple craft of different types, we can cover them all on a single policy to keep all your marine insurance in one place, keeping it simple and saving you money with our 12.5% mulit-boat discount (up to a maximum of £150 per policy).
Noble Marine Insurance has been an enthusiastic supporter of sailing at all levels since we were founded as a dinghy insurance broker, we are still highly committed to the sailing community and we sponsor over 25 class associations as well as numerous sailing events throughout the year.
We offer a great on-line service but if you would prefer to arrange your policy over the phone we are always delighted to speak to our customers.
Boat Insurance FAQs
What is boat insurance?
Most importantly, boat insurance will provide you with third party liability cover if you were to cause damage to other people’s property or injury to another person.
In addition Comprehensive boat insurance can provide you with financial protection if your boat is involved in an accident, stolen or damaged by fire or storm.
Do I need boat insurance?
Boat insurance is not actually a legal requirement in the UK however most marinas, harbours and in recognised mooring areas require evidence of third party boat insurance.
Most lakes and reservoirs require the same, and you will need to produce proof of third party boat insurance to obtain an inland waterways licence. Also most organised events such as racing will require evidence of liability cover.
In addition to third party liability cover most people will want to insure their boat for damage including from fire or theft to protect their investment and ensure that they are able to stay on the water as much as possible. Noble Marine Insurance can insure boats up to a value of £750,000.
What does your boat insurance cover?
It is important to make sure that your boat insurance is adequate for your needs, and not to forget additional equipment such as trailers, trolleys and safety equipment that can be easily overlooked and are often costly to replace. Most accessories and equipment that is specific to your boating activities can be covered by boat insurance if you opt to include them. Noble Marine’s boat insurance will usually cover:
- Accidental Damage
- Fire or Explosion
- Theft or Attempted Theft
- Malicious Damage / Vandalism
- Storm Damage
- Your liability for damage or injury to other parties
Boat insurance policies generally do not cover:
- Wear, tear, depreciation, gradual deterioration e.g. corrosion or electrolysis
- Mechanical breakdown
- Damaged deliberately caused by you
- Faulty workmanship
For full details of Noble Marine’s Boat Insurance cover and exclusions please click here for a copy of our policy wording and Insurance Product Information Documents.
Are there any conditions of my boat insurance?
It is also a condition of many boat insurance policies that your boat is maintained correctly and in a seaworthy condition. Whilst it is important to ensure your boat insurance policy will be valid in the event of a claim, this is also good practice to ensure that you and your passengers and/or crew are safe when on the water. It is important to ensure that all systems of a boat are checked and, as necessary, maintained in accordance with manufacturers guidelines or generally acknowledged best practice. If you are unsure it is worth getting professional advice from a yard or surveyor.
How much will my boat insurance cost?
This depends on the type of boat, who’s using it, where it is being used and what it's being used for. Prices start from around £40 per year.
What types of boats do you offer boat insurance for?
Noble Marine can provide boat insurance for most types of pleasure craft including:
What if I want to insure more than one boat?
Most boat insurance policies only allow one boat per policy, however Noble Marine’s policy allows you to insure all your boats from canoes and paddle boards to dinghies and yachts under the same policy, you will also benefit from a 12.5% Multi-boat discount (up to £150 per policy).
Does your boat insurance cover me abroad?
If your boating adventures take you to more distant shores or you are involved in racing abroad, then Noble Marine Insurance can provide a solution to meet these needs in most circumstances. We can also extend the policy to include boats that are Skippered Charter.
Just call us to discuss your requirements and we will help you through the process or enter your details online by clicking 'Get A Quote' and we will get back to you.
Please note that policy cover is subject to the terms and conditions of our Marine Insurance Policy.
Do you offer boat insurance for racing?
Racing cover is included as standard on all of our dinghy, sports boat, rowing boat, canoe, kayak, surfboard, sailboard and paddleboard policies.
We also offer racing cover for sailing yachts, this may be at an additional charge depending on the type of racing you’re doing.
Can I transfer my boat insurance to a different boat?
If you sell your boat and replace it with a new or different boat then you can keep the same policy and simply swap them over.