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Insuring your boat
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.
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.
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 you can review our policy wording and Insurance Product Information Documents on our insurance documents page.
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.
This depends on the type of boat, who’s using it, where it is being used and what it's being used for. Prices for boat insurance start from around £40 per year.
Noble Marine can provide boat insurance for most types of pleasure craft including:
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). Read more on our Multi boat insurance page.
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.
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.
If you sell your boat and replace it with a new or different boat then you can keep the same policy and simply swap the boat insurance over.
Making a claim
How to Make a Claim
If you need to make a claim here’s what to do.
In the event of any incident which may give rise to a claim you need to inform us as soon as reasonably possible with details of what has happened.
You can report a claim to us by phone or online via your Noble Portal. The Noble Portal is available to all customers who have bought a new policy or renewed a policy direct with Noble Marine since 15th February 2023.
If you do not have access to your portal please let us know and we can send you a unique link to submit your claim without logging into the portal.
Telephone: 01636 675888
Online: nobleportal.co.uk
Email:
Post: Jubilee House, Long Bennington Business Park, Long Bennington,
Newark, NG23 5JR
Once we have your completed claim form our team will then be able to help you and explain the next steps.
Once the repairs have been completed the repairer may require the full amount to be paid before your boat is released to you. We are happy to arrange payment direct on receipt of an invoice or we can reimburse you should you pay the repairer. In all cases invoices should be forwarded to Noble Marine.
If you have had repairs carried out and we have agreed to pay the repairer direct then we will pay them the amount after deduction of your excess. You should then pay the excess to the repairer when he hands over the boat.
If you are seeking reimbursement from us having paid an invoice in full or we are making settlement following the total loss of your boat then we will make the payment to you for the agreed amount after deduction of your excess.
Once we have received your claim form we will confirm the claim is covered and how to proceed.
Sometimes more information may be required, or it may be necessary to communicate with the repairer or surveyor before authority can be given to proceed with the repairs.
Whatever the circumstances we will keep you informed and do everything possible to get the claim dealt with in the shortest possible time.
Whenever an incident occurs and another boat is involved, take a note of the details of the other persons or boats involved. Also don't forget to obtain the details of any potential witnesses. This is not always easy whilst afloat, but note the name of the boat or the sail number and make contact once you are ashore. The information you might require would be:
- The name and address of the person who was in charge of the other vessel.
- Are they the owner of the boat? If not, the name and address of the boat's owners will be required.
- Their insurance company and policy number if known.
- Their boat name and / or sail number.
It is always useful to get photos of the damage to both boats where it's possible to do so as this helps us to establish who was responsible and also ensures that we only pay for damage caused by the incident.
You will also be required to arrange estimates for the repair or replacement items.
Usually only one estimate will be required. However if the costs involved are large, further estimates may be required or a Surveyor may be appointed to inspect the boat or oversee the repairs.
You can report a claim to us by phone or online via your Noble Portal. The Noble Portal is available to all customers who have bought a new policy or renewed a policy direct with Noble Marine since 15th February 2023.
If you do not have access to your portal please let us know and we can send you a unique link to submit your claim without logging into the portal.
Telephone: 01636 675888
Online: nobleportal.co.uk
Email:
Post: Jubilee House, Long Bennington Business Park, Long Bennington,
Newark, NG23 5JR
Once we have your completed claim form our team will then be able to help you and explain the next steps.