Boat insurance

Saga Boat Insurance provides high levels of protection, to give you peace of mind.

We offer Comprehensive or Third Party Only insurance for a wide variety of vessels. Our range of insurance plans include:

Boat Plan - Yachts and motor boats over 23ft
Dinghy - Cover for 160 types of Class Association dinghies
Inland Boat - Narrowboats and vessels moored on inland non-tidal waterways
Sailboard - Windsurf and surfboards
Small Craft - Vessels under 23ft - speedboats, slow motor boats, sports cruisers & more
Third Party Only - If you only require third party cover for all boat types.

So make sure you're properly protected, apply online today or if you prefer, call our UK based advisers for a quotation.

GET A QUOTE 0800 092 7223

Quote IT304 when speaking to one of our UK based advisers.

Boat Insurance

Saga Boat Insurance is designed to meet the needs of people aged 50 and over, so whatever your vessel, give yourself the peace of mind of being properly protected against the unexpected perils that can occur in and out of the water.

Summary of cover


Some examples of the cover we provide	Third Party Only	Comprehensive
No Claim Discount available (up to a maximum of 20%) in the event of no claims having been paid or outstanding.
No Claim Discount protection available (subject to a 7.5% premium loading) if you have the maximum No Claim Discount i.e. 4 years claim free, and have not been in an accident or claimed in the last two years. This enables you to make two claims where you are deemed to be at fault within a five-year period without losing any discount.
10% discount on speedboats and sports cruisers up to 23ft and capable of over 31 knots, if you have a level 2 or higher Practical RYA Powerboat qualification.
Wide cruising ranges available including, for example, UK inland and coastal waters, plus continental waters from Elbe to La Rochelle and Eire for craft over 23ft (excluding narrowboats).
Racing risk cover available on request (terms and conditions may apply).
Third party liability cover if, for example, you injure someone with your craft or damage their property.	Up to £3 million	Up to £3 million
Personal accident cover for specified injuries, such as permanent total disablement, sustained in any accident involving your craft.		Up to £10,000
Accidental loss or damage to your craft's hull, machinery, gear and equipment.
Cover for personal effects available for items used only in connection with your craft, for example, a laptop computer used for navigation purposes (cover excluded for dinghies and houseboats).
No excess to pay or No Claim Discount deduction in the event of a claim for loss or damage to the insured craft whilst moored in a pontoon berth at your home marina.
Marine legal expenses should you need, for example, to recover your uninsured losses, such as your excess, as a result of an accident.	Optional (include for only £12.99)	Optional (include for only £12.99)