Small Craft Insurance

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Sailing in a small craft can be a fun activity for both novices and experienced seamen. But whatever the experience level of the pilot, having the right insurance policy is essential for peace of mind when you are exploring open waters. Whether you are taking to the sea, or exploring the beautiful inland waterways of the UK, it is vital that you find the right insurance policy to suit your sailing needs.

At Taylor Watkins, we provide small craft insurance for a variety of vessels, including small yachts, small motorboats, small sailing boats, sailing dinghies, and small speed boats up to and including 24ft in length.

We work to match you with insurance policies that offer extensive coverage and flexibility for your specific sailing needs. Unlike other insurance comparison sites, we know that boat insurance is not a one-size-fits-all situation. We find you insurance that is specifically tailored towards the distinctive requirements of your craft, and the way that it is used.

Small craft insurance provides you with financial security against the various types of potential risks that boat owners may encounter, such as theft, boat damage, and accident liability.

What does Small Craft Insurance Cover?

Whether you’re planning to take your boat out to sea or cruise within inland waterways, it’s important that you find the right insurance policy to cover all of your needs. At Taylor Watkins, we work to find you a customizable insurance policy that applies to your vessel and the way that you want to use it. Small boat insurance can cover a wide variety of requirements and scenarios. Policies will vary between insurers, but some of the aspects of an insurance policy that you might expect are:

Loss or damage coverage
In-transit cover
Personal effects cover
Third party liability cover
Personal accident cover
Non-fault excess waiver
Other aspects of boating, including:
- Search, Rescue, and Evacuation
- Mooring Fees
- Legal Protection
- Replacement Lock and Keys
- Emergency Travel
- Trailers and Trolleys
- Houseboat Contents
- Race Fee Cover

Benefits of Small Craft Insurance

There are many benefits of taking out a small craft insurance policy with Taylor Watkins. These include:

Fully Comprehensive cover
Cover for cruising within Inland and Coastal Waters of the UK and Europe, up to 12 nautical miles offshore.
Up to £5 million Third Party Liability cover as standard
No craft age restriction
Small craft hire benefit
Marina Benefits cover as standard
Security provided by Navigators & General (a trading name of Zurich Insurance PLC

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Is Small Craft Insurance Mandatory?

In some cases, it is not compulsory to have insurance for your small craft. For example, if you only use your boat on seas or oceans, then it is not required to have boat insurance. However if you are planning to use your small craft on the inland waterways of the UK, then you are usually required to have insurance before applying for a waterways license. The specific rules and regulations will vary according to the Navigation Authority operating in your area, but most authorities do require insurance if you plan to use your small craft on an inland waterway.

Furthermore, some marinas or yacht clubs may require proof of insurance before you are allowed to dock your boat. Also, if you have a loan on your sailboat, the lender might require you to have insurance.

How Quickly Can I Get Small Craft Insurance?

At Taylor Watkins, we work to get you covered as soon as possible. All you have to do is apply online today, or give us a call, and we will get back to you ASAP with a quote tailored towards your specific boating needs. Usually we get back to you the very same day, and get you covered within a matter of days.

If you are using your small craft in the UK or Europe, it is likely that you will be offered a quote online immediately. You can then begin the application process whenever it is convenient for you. The specific time it will take for you to be covered will depend on the policy and provider. Some providers require additional documentation before offering cover, so the timeframe can vary.

Your personal circumstances will also be a factor. For example, if you are thinking of insuring a new vessel, it will likely take longer than if you are renewing or updating your insurance coverage.