Boat Insurance

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A Unique Service

Visicover is a unique service that enables you to buy and manage your insurance online at a time that suits you best.

This innovation extends to the design of our Boat policy which provides a wide range of benefits, including:

Interest Free Instalments
Pay your full premium when you arrange cover or pay a 30% deposit and spread the balance of your premium over 8 monthly instalments at no additional charge (0% Apr). Note, if you are paying by instalments and have a claim, the balance of the years premium becomes payable immediately.  
Up to 25% No Claims Discount
Earn a discount for each claim free year you are insured up to a maximum of 25%.  
24-Hour Claims Hotline
A 24-Hour claims hotline is available so help is on hand when you most need it.  
Working With The Allianz Group
Allianz Global Corporate and Specialty (AGCS) underwrite all our marine policies other than Marine Legal Protection which is arranged through ARC.

AGCS are authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
 

Only Pay For The Cover You Want

Unlike some insurance services who charge you for cover whether you need it or not, at Visicover we believe you should only pay for the cover you want. We have therefore designed a flexible policy that lets you tailor your insurance to your precise wishes.

Among the options available, depending on your vessel type, are:

Vessel Loss or Damage
Covers the cost, up to the cover limit selected, for repair or replacement arising from physical loss or damage to your boat, subject to certain specific exclusions and the excess you have chosen. *  
Marina Benefits
Protects your no claims discount entitlement, and avoids you having to pay an excess, if you make a claim for loss or damage to your vessel sustained while it is moored / stored in a specified marina. *  
Mooring Fees
Covers the cost, up to the cover limit selected, of mooring fees incurred while you are unable to use the vessel as the result of either a serious accidental injury to yourself, or insured loss or damage to your vessel, subject to certain specific exclusions. *  
Emergency Accommodation
Covers the cost, up to the cover limit selected, of emergency accommodation for you and your passengers if your vessel is made uninhabitable as the result of loss or damage covered by this policy, subject to certain specific exclusions. *  
Emergency Breakdown
Covers call out, parts and labour costs, up to the cover limit selected, if your vessel is no longer seaworthy as the result of a mechanical breakdown, subject to certain specific exclusions. *  
Third Party Liability
Covers sums, up to the cover limit selected, which you are legally liable to pay arising from ownership of the vessel for death or injury to a third party, or damage to their property, subject to certain specific exclusions. *  
War and Related Risks
Extends the protection provided by the policy to cover War, Capture, Piracy or Terrorism, subject to certain specific exclusions. *  
Search, Rescue & Evacuation
Covers costs, up to the cover limit selected, for search, rescue, and evacuation operations in relation to any person on board the vessel with your permission. *  
Medical Expenses
Covers costs, up to the cover limit selected, arising from the attendance of a qualified Medical Practitioner as a direct result of an accidental injury sustained on the vessel, subject to certain specific exclusions and the excess you have chosen. *  
Marine Legal Protection
Covers legal advisers’ costs up to a set value to help you pursue or defend a claim relating to the vessel for uninsured loss recovery, personal injury pursuit, contract disputes or prosecution defence arising from your ownership or use of the vessel. Subject to certain specific exclusions. *  
Machinery Extension
This option extends the Vessel loss and damage cover to include repair or replacement to vessel machinery following damage caused by latent defects or breakage of shafts, subject to certain specific exclusions and the excess you have chosen. *  
Replacement Locks and Keys
Covers the cost, up to the cover limit selected, of replacing locks and keys following the theft or loss of keys to the vessel’s external doors, subject to certain specific exclusions. *  
Courtesy Vessel
Covers the cost, up to the cover limit selected, of hiring a replacement vessel if your vessel is made unseaworthy as the result of loss or damage covered by this policy, subject to certain specific exclusions. *  
Emergency Travel
Covers the cost, up to the cover limit selected, of getting you and your passengers home if your vessel is no longer seaworthy due to loss or damage covered by this policy, or serious injury to a key crew member, subject to certain specific exclusions. *  
Trailers and Trolleys
Covers costs, up to the cover limit selected, for repair or replacement to your vessel trailer or trolley for loss or damage arising from fire, theft, collision, or accident in use, subject to certain specific exclusions and the excess you have chosen. *  
NCD Protection
Protects your no claims discount entitlement in the event that you make no more than one claim under the policy in a year. *  
Personal Belongings
Covers costs, up to the cover limit selected, for repair or replacement to your or your immediate family’s personal belongings which are lost or damaged on the vessel, or in transit to and from the vessel, subject to certain specific exclusions and the excess you have chosen. *  
Personal Accident
Pays a selected financial benefit to any person who dies, disappears or sustains a serious injury while they are embarking, on board or disembarking the vessel with your permission, subject to certain specific exclusions and a maximum number of persons which you select. *  
Houseboat Contents and Related Options
Offers a range of options for owners where the vessel is their primary residence, such as cover for contents of the boat, cover for possessions taken away from the boat or kept in student accommodation, alternative accommodation costs and public liability. Subject to certain specific exclusions and the excess you have chosen. *  
Race Fee Cover
Covers the cost, up to the cover limit selected, for lost entry fees for any races you have booked but are unable to participate in due to insured loss or damage to the boat. *  

* For full details of the cover options available, including any exclusions, conditions or special clauses, please refer to the Policy Booklet

For more information on the vessels we can cater for, click on a vessel type below:

Unfortunately, we cannot cater for some boat types, such as those used for commercial purposes other than charter (e.g. commercial trawlers, commercial ferries etc).

Download a Policy Summary or Booklet    Policy Summary   Policy Booklet
   
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