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
Prestige
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
- Waterskiing covered up to £3 million
- Covered for European inland and coastal waters
Sailing dinghy cover
- Agreed value policy
- Loss or damage by fire, theft, accident, malicious damage or while in transit by road
- £3 million third party liability
- New for old insurance for mast, sails and rigging
- Race fees up to £150 for each policy period
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
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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.
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Commercial craft
Whether your customer owns an inland water taxi or a ‘workboat’ on tidal waters, we can offer cover to suit their needs.
Appetite
- 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
Cover
- 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
Extensions
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
Documents
Sailing boat
Motorboat
Sailing dinghy
Prestige
Inland waterways
Commercial cover
Claims forms and additional documents
- Claim form (165.1 KB/pdf)
- Claims advice notes (91.3 KB/pdf)
- Marine legal expenses policy (303.2 KB/pdf)
- Marine legal expenses insurance product information document (101.8 KB/pdf)
- Risk management advice leaflet (161.2 KB/pdf)
- Making boat insurance plain sailing (927.7 KB/pdf)
- Additional/Change of interest form (61.6 KB/pdf)
*Navigators & General is a trading name of Zurich Insurance plc.