Boat and Marine Insurance Quotes
Whether you’re a seasoned sailor or new to boating, having the right boat insurance is essential for peace of mind. At Brunel Insurance for People, we provide bespoke marine insurance solutions that cover more than just your boat—they cover your lifestyle, your liability, and your sense of freedom on the water.
What Is Boat Insurance?
Boat insurance offers financial protection if your boat causes injury to another person or damage to their property. It can also protect your vessel if it’s lost, stolen, or damaged due to fire, weather events, accidents, or malicious activity.
Marine insurance policies vary, but comprehensive cover goes beyond liability to include salvage, personal possessions, and even the cost of your boat being transported by road.
Do I Need Boat Insurance?
While boat insurance isn’t legally required in all cases, it is often mandatory on inland waterways and in marinas. Most navigation authorities, such as the Canal & River Trust or the Broads Authority, require at least £1 million–£2 million in third-party liability cover.
Even if not compulsory, boat insurance protects you against high repair costs, loss, and legal expenses—making it a smart and often essential choice.
Why Choose Brunel Insurance for People?
We’re not just another provider—we’re specialists in pleasure craft insurance, offering tailored, competitive, and comprehensive protection for all kinds of boats and their owners. Here’s what we can offer:
Cover options include:
✅ All Risks Protection—fire, theft, accidental and malicious damage, sinking, collision, stranding
✅ Up to £5 Million Third-Party Liability—For owners, guests, and third parties
✅ Dinghies, Tenders & Outboard Motors—Including theft and damage
✅ Salvage & Recovery Charges—Including environmental clean-up if required
✅ Up to 25% Protected No Claims Discount
✅ Personal Effects—Cover for sports gear, clothing, electronics and more
✅ Personal Accident Cover—For you and your guests, including medical costs
✅ Multi-Vessel Discounts—Great for owners with more than one boat
✅ Other Optional Extras—Legal cover, auxiliary engines, breakdown cover, trailer and trolley cover, racing use and more
What’s Typically Covered—And What’s Not
✅ What’s Covered:
Fire, theft, sinking, and collisions
Design or installation faults
Third-party damage or injury
Loss or damage of dinghies, trailers, and tenders
Personal belongings and sporting equipment
Accidental death or injury
Legal expenses and emergency assistance
❌ What’s Not Covered:
Unseaworthy vessels or lack of maintenance
General wear and tear (e.g., rust, rot, damp)
Theft due to unsecured property
Damage under the influence of alcohol or drugs
Mechanical or electrical breakdown (unless specified)
Operation outside permitted cruising zones
Terrorism, war, or civil unrest (optional cover available)
