Dinghy Boat Insurance

Canoe and Kayak Insurance

Jet Ski Insurance

Hovercraft Insurance

Houseboat Insurance

Dinghy insurance provides protection for your dinghy or small boat in case of theft or accidents. Even a small incident can cause significant damage or loss to your dinghy, and replacing it can be expensive. With dinghy insurance, you can have peace of mind knowing that your dinghy will be protected in case of any unexpected events.

Taylor Watkins provides a fast, accurate quote so you can protect your dinghy boat as quickly as possible and sail safely. We consider the whole market to ensure objective quotes at the best prices.

Who Is Dinghy Boat Insurance For?

Any dinghy owner will benefit from insuring their dinghy whether they use it for recreational purposes or as part of their business. Some marinas and boat clubs may even require you to have dinghy insurance before you can take it out on their facilities. 

 

What Does Dinghy Insurance Cover?

Dinghy insurance typically covers damage, theft, and liability for accidents. Some policies may also include coverage for personal injury, equipment, and emergency assistance such as towage. Common forms of coverage included in dinghy insurance include:

  • Accidental damage coverage: This will generally cover any accidental damage to your dinghy caused by events such as collisions, grounding, or equipment failure. 
  • Theft coverage: This protects you if your dinghy is stolen or vandalised. 
  • Fire and storm damage coverage: This protects you in case your dinghy is damaged by fire, lightning, or severe weather. It will allow you to repair or in some cases replace your dinghy.
  • Liability coverage: This protects you if you cause damage to other people’s property or injure someone while using your dinghy. It can help you to pay legal or medical fees, for example.

What Is Not Covered by Dinghy Insurance?

Most dinghy insurance policies do not cover the following:

  • Normal wear and tear
  • Maintenance
  • Damage resulting from normal use of the boat

You may also need a specialised insurance policy if you plan to race your dinghy or use it for commercial purposes. 

How Much Does Dinghy Insurance Cost?

The annual premium for dinghy insurance ranges from a few hundred dollars to a few thousand dollars, but the cost depends on several factors, including:

  • The value of your boat
  • The age of your boat
  • The condition of your boat
  • Where you store your boat
  • Your location
  • Your intended usage
  • The add-on coverage options you choose

However, to get an accurate, personalised quote, get in contact with us online or by telephone. We can give you a personalised quote as soon as possible, often even within the same day.

How Do I Get Dinghy Insurance?

You can get dinghy insurance from many insurance providers, including specialised boat insurance companies and general insurance companies. Your first step is to look at all the insurance providers offering cover for dinghies. You can either do this manually, checking each provider one by one, or you can apply online or by telephone for a fast, obligation-free quote.

You may need to provide information such as the dinghy’s make and model, age, and value as well as your own boating experience, such as your qualifications and any past insurance claims.

Once you have found the policy that gives you the best level of coverage for your budget, you will need to read their terms and see exactly what the policy covers and what it excludes, as well as any deductibles or other terms and conditions.

If you are happy with the terms offered, you can follow the insurance provider’s protocol and receive a certificate to show that you are fully insured.

 

If you need financial protection against the number of risks that canoe and kayak owners may face, including damage to the boat, accident liability, and theft, then it is vital that you find the right insurance policy to suit your specific needs. Luckily, Taylor Watkins can provide you with a fast and accurate quote so that you can take to the water with full peace of mind. Taylor Watkins provides you with a fast, reliable, and flexible quote so that you can get the coverage that you need to fully enjoy your time on the water.

While canoes and kayaks may not cost as much to replace as larger vessels, such as sailing boats or catamarans, insurance is actually required in order for you to explore the inland waterways of the UK. In order to apply for a waterways license, necessary for canoeing on rivers, canals, and lakes, you must have a form of canoe insurance. 

 

What Does Canoe Insurance Cover?

What is exactly covered in your canoe insurance policy will vary from provider to provider, and will depend on how you want to use your canoe,  but policies usually cover damage, theft, and accident liability. Some canoe insurance policies will also include coverage for personal injury, equipment, and emergency assistance. Types of coverage include:

  • Vandalism and Theft. Canoes are unfortunately common targets for theft or vandalism. Canoe insurance provides coverage for replacement if your canoe or kayak is stolen or vandalized
  • Damage to the Canoe. Depending on how they are used, canoes can be particularly liable to damage from weather or volatile waterways. Insurance can cover the canoe in case of events like this
  • Liability for accidents. If you are responsible for, or involved in, an accident while using your canoe or kayak that causes injury to yourself, another person, or property, you may end up facing considerable legal fees. Canoe and kayak insurance can help cover the cost of legal fees and settlements. 
  • Medical expenses: If you , or someone else, is injured while using your canoe or kayak, an insurance policy may help cover costs of medical treatment and related expenses
  • Fire and storm damage coverage: This protects you in case your canoe is damaged by fire, lightning, or severe weather. It will allow you to repair or in some cases replace your canoe or kayak. 
  • Equipment loss or damage. Canoeing and kayaking involves investment in supplementary equipment such as lifejackets, oars, etc. Canoe insurance can help cover loss or damage of canoeing equipment.

 

Is Canoe or Kayak  Insurance Required by Law?

The rules and regulations around canoe insurance differ depending on where you are planning to use your canoe. If you have a sea kayak, and are planning to use this on seas or oceans, insurance is not mandatory. Despite this, insurance is recommended to protect your kayak against theft or damage. 

If you are planning to use your canoe or kayak in inland waterways within the UK (such as rivers, canals, etc.), then insurance is indeed required. To use inland waterways, you need a waterways license. This license can only be obtained by having a form of insurance on your canoe.  

In either scenario, it is recommended that you insure your canoe. Ensuring that you have the right covers means that if there is an unfortunate scenario where something goes wrong, or something untoward takes place, you and everyone on board are fully covered by a trusted insurance policy. Luckily at Taylor Watkins, we work with a whole range of providers to find you the insurance policy that you need, at the right price.

Jet skiing is a wonderful way to experience the waters of the UK. Arguably one of the most fun water crafts on the market, jet skiing is also considered to be an extreme sport because of the high speeds involved. Jet skis and their accessories also tend to be expensive. Therefore it is essential that you find the right insurance policy to ensure that you have full peace of mind when using your jet ski. 

Luckily, at Taylor Watkins,  we compare rates and coverage options from the entire market, evaluating different insurance companies in order to find you the best policy for your specific needs. We provide fast, impartial quotes so that you can get the level of cover you require for your jet ski. Simply request a quote and we can get you insured as fast as possible, sometimes even within 24 hours.

How Quickly Can I Get Jet Ski Insurance?

At Taylor Watkins, we want to get you covered ASAP. Apply online today, or give us a call, and we will get back to you quickly with a quote tailored specifically to your jet ski needs. Usually we can get back to you within the same day, and then get you covered within a matter of days. 

If you are using your jet ski in the UK or Europe, it is likely that you will be offered a quote online instantly. This can be purchased immediately. The entirely free online application process is set up to be as quick and efficient as possible so that you can find a quote to suit your financial and boating requirements. 

It is important to note that the specific timeline will depend on the provider. It can take a matter of days or weeks, depending on the timeline that the provider stipulates. Once you have received a quote, and selected a provider and policy, you will need to submit an application that provides information about your jet ski, and pay a premium. The coverage may not begin until you have paid the premium and received confirmation from your insurance provider.

The time frame will also depend on your specific situation. If you have recently purchased a jet ski and are looking to insure it, this may take slightly longer than if you are renewing or extending your insurance cover. 

 

How Much Will My Policy Cost?

When insuring your jet ski, there are several factors that will affect the policy and, therefore, the cost to insure. Below are a list of just a few of them:

  • Type of jet ski. Policy and cost will vary depending on the type of jet ski you are looking to insure, for example whether it is a stand-up, sit-down, or single seater.
  • Model of jet ski: Insurance policy and price will also depend on the specifications of the jet ski you are insuring. For example the year it was made, the engine size, and other mechanical specifications will affect the type of policy you receive.
  • Proficiency: Coverage may also be affected by your experience, confidence level, and any licenses you may hold for jet ski use.
  • Purpose of use: Insurance policy and price will also be affected by the way in which you are planning to use your jet ski. For example whether it is for racing and trick-riding, familial purposes, or if you are using it for towing purposes.
  • Location of use: Policy may also be affected by where you plan to use your jet ski. For example, whether you are planning to use it in seas and oceans or inland waterways. 

 

Having the right insurance is an essential part of using any type of boat, whether that is a jet ski, a yacht, a motorboat, or a hovercraft. Ensuring that you have the right covers means that if there is an unfortunate scenario where something goes wrong, or something untoward takes place, you and everyone on board are fully covered by a trusted insurance policy.

 If you own your own hovercraft, then it is essential that you find the right insurance so that you can enjoy the excitement of hovercrafting with full peace of mind. Because hovercrafts operate both in land and at sea, they are particularly prone to accidents. This means that taking the time to find the right insurance policy for your hovercraft is incredibly important.

 

What is Included in Hovercraft Insurance? 

Hovercraft insurance policies generally cover a whole range of risks. These can include: 

  • Loss of damage or property on board. Hovercraft insurance policies can provide coverage for the damage, or theft of personal property on the boat, such as electronics and other items.
  • Liability for injuries or damage to others. Hovercraft insurance policies can also include liability coverage. This provides protection in case of an accident involving the injury of another person (medical expenses, legal fees, etc.)
  • Damage to the vessel. Hovercraft insurance policies can also cover damage to the vessel itself, such as damage from collisions with other boats and objects, damages from weather incidents, theft, or vandalism. 

The specific coverage will depend on the policy and provider. Request a quote today from Taylor Watkins.

How Much Does Hovercraft Insurance Cost?

Generally, hovercraft policies run to several hundred pounds per year, but your specific costs will depend on policy and provider. At Taylor Watkins, we are able to provide quotes quickly to suit your financial and boating needs.

 

How Soon Can I Get Insured?

At Taylor Watkins, we want to get you covered ASAP. Apply online today or give us a call and we will get back to you as quickly as possible with a quote tailored specifically to your boating needs. Usually we are able to get back to you the same day, and then get you covered within a matter of days.

If you are using your hovercraft in the UK or Europe, you are likely to be offered a quote online instantly. This can be purchased immediately. The entire application process is free. We will find a quote that will suit your financial and boating requirements.

It is important to note that the specific timeline will depend on the provider. It can take a matter of days or weeks, depending on the timeline that the provider stipulates.

 

Houseboat insurance is an insurance policy that provides coverage for houseboats, which are boats designed to serve as homes or vacation homes. Houseboat insurance is tailored specifically to the unique risks associated with living or vacationing on a boat and therefore often provide more comprehensive coverage than standard boat insurance policies.

At Taylor Watkins, we want to get your houseboat insured as quickly as possible. Apply online today or give us a call and we will get back to you as soon as possible with a quote, usually the same day. All the quotes we provide are objective and tailored to your unique needs.

What Does Houseboat Insurance Cover?

Houseboat insurance policies typically cover a range of risks, including the following key areas:

  • Damage to the boat: Houseboat insurance policies generally cover damage to the boat itself. This can include collisions with other boats or objects, damage from storms or, theft, and vandalism. Depending on which policy you choose, your houseboat coverage may also include damage from fire, explosions, or other accidents.
  • Liability for injuries or damage to others: Houseboat insurance policies typically include liability coverage. This provides protection in case you are responsible for injuries to another person, or for damage to their property. This can include medical expenses and legal fees.
  • Loss or damage of personal property on board: Houseboat insurance policies may provide coverage for the theft or damage of personal property on board the boat, such as furniture, electronics, and other belongings. 

The specific coverage will vary depending on the policy, and there may be limits or exclusions that apply.

Is Houseboat Insurance Required by Law?

This depends. In some areas, houseboat insurance may be required by law, while in others it may be optional. It is important to check with your local authorities to determine what insurance requirements are in place in your area.

As requirement for houseboat insurance varies depending on the state or province where you operate the boat, you should check with your local authorities each time you want to move.

Even if houseboat insurance is not legally required, it is highly recommended. Houseboats are valuable assets, and it can be extremely expensive to pay for damages and replacements out of pocket.

How Much Does Houseboat Insurance Cost?

The cost of houseboat insurance will vary between insurance providers, and can cost between several hundred to several thousands of pounds. 

The exact cost will depend on a number of factors, such as the size and value of the boat, the coverage amounts and deductibles selected, the cruising area, and the operator’s boating experience. 

To get a quote for houseboat insurance that takes your unique needs into consideration, apply online or give us a call. Our quotes take the whole market into account and give you an objective, accurate price. All quotes are obligation-free.

What Is the Process for Getting Houseboat Insurance?

You will need to provide information about the boat, including its value, age, and condition, as well as your own boating experience and history. You may also need to provide details about the locations in which you plan to use the boat and what types of activities you will be engaged in. 

Once you have submitted your application, the insurance provider will review the information you provided and may conduct additional research to determine the level of risk involved in insuring your houseboat. Based on this information, the insurance provider will provide you with an estimated price and policy options.

If you decide to move forward with the policy, you can then purchase coverage. This can be done by paying the premium and signing any paperwork needed. You will then be given a certificate of insurance.