Navigators and General

Tailored cover whatever the craft

Our team of experienced underwriters and dedicated claims handlers also count themselves as boating enthusiasts, meaning that whether it’s a dinghy or a prestige yacht, your customers' needs are put at the heart of the business.

Navigators and General* provides boat insurance for small vessels and dinghies to large commercial watercraft and yachts.


Appetite for growth drives a wide underwriting footprint in the market


From dinghies to motor yachts, we insure all kinds of boats


A specialist in-house claims team with access to a worldwide network of surveyors and loss adjusters


A flexible service allows our customers to choose their own repairer



Prestige yachts and motor boats between £1 million and £10 million.

  • Agreed value policy
  • Liability and vessels cover for up to £10 million
  • Skipper and crew replacement up to £10,000
  • Loss of charter income up to £80,000
  • Automatic cover for skipper or crewed charter use
Yacht and motorboat cover

Yachts and motorboats above 25ft in length up to £1 million in value.

  • Agreed value policy
  • Liability up to £5 million
  • Cover for pet medical fees up to £500
  • Cover up to £50,000 for family and guests if hit by an uninsured vessel
  • Covers tenders when used independent from main vessel
  • Personal accident cover of £25,000 for each person, £100,000 in total
  • Rescue and evacuation up to £50,000
Inland Waterways for narrow boats and cruisers cover

Boats used on canals, rivers, lakes and the Norfolk Broads.

  • Agreed value policy
  • Third party (£3 million) and passenger liability cover as standard
  • Personal accident cover up to £60,000 for each incident
  • £25,000 contents cover if you live-aboard
  • Up to 30 days UK coastal use
Small craft cover

Small craft up to 25ft in length.

  • Agreed value policy
  • Loss or damage to personal effects
  • Racing risk cover for small yachts - up to 23ft in length
  • Covered for European inland and coastal waters
Third party only cover
  • No survey necessary
  • Liability protection (up to £3 million) against passenger or third party claims
  • Up to £15,000 cover for wreck removal and destruction
  • Pollution-related costs and fines
  • Covers others using your craft
  • Commercial combined

    Trades Covered

    Marina operators insurance and associated business

    • Harbours and harbour commissioners
    • Boat storage and boat yards
    • Boat builders
    • Marine related wood and metal workers
    • Marine related electronics and equipment providers
    • Boat suppliers
    • Sailmakers
    • Passenger boat operators
    • Yacht charter operators
    • Hire and holiday boat operators
    • Sailing schools and RYA Activity centres
    • Yacht clubs and rowing clubs

    Key cover

    • The Property - buildings, contents and stock.
    • Business interruption - keep the business ticking over after a loss by paying wages, overheads or profit that would’ve been earned. Policy can be extended to cover customers and suppliers in the UK and abroad, prevention of access and loss of utilities.
    • All Risks - portable equipment, tools and laptops needed for business trips are covered whilst your customers are away.
    • Employers’ Liability - employees and labour-only subcontractors are covered.
    • Money Protection - protects cash and other money from loss. Includes compensation for anyone attacked while handling the money.
    • Transit Insurance - goods are covered while in transit in either own or haulier’s vehicles.
    • Public and Products Liability Insurance - covers the business from legal liabilities arising from activities, products and services sold.
    • Marine Hull - covers material damage for vessels used, operated, built or sold as part of the business.
    • Legal Expenses - cover provided by DAS Legal Expenses Insurance Company Ltd.
  • Commercial craft

    Whether your customer owns an inland water taxi or a ‘workboat’ on tidal waters, we can offer cover to suit their needs.


    • Skippered charter angling and dive boats
    • Workboats
    • Windfarm support
    • Pilot and harbour boats
    • Water taxis
    • Inshore passenger ferries
    • Charter fleets
    • Inland passenger craft and hire fleets


    • Vessel – includes the vessel itself, gear and equipment whether in use or not
    • Vessel damage – covers accidental and malicious damage whether in use or not
    • Theft, malicious acts – includes the forcible removal of external vessel parts
    • Machinery damage – cover includes latent defects and full perils
    • Wreck salvage and removal – includes removal fees
    • Transit – covers the vessel while in transit by road
    • Towage – cover while towing another vessel or being towed
    • Third party and passengers – protects the business from legal liabilities whilst vessel is in use


    Some of the extensions are subject to the type and age of vessel and acceptance by the underwriter.

    • Employers Liability Insurance (for skipper and crew)
    • Personal Accident Insurance (for skipper and crew)
    • Personal effects
    • Stock used on vessel
    • Shore-based property


*Navigators & General is a trading name of Zurich Insurance plc.