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Boat insurance for the over 50s

Saga Boat Insurance

From the 1 April 2021, Saga will no longer provide boat insurance for new customers. You can take out cover until this date by calling us on 0800 092 7223 (lines are open 9am – 5:30pm Monday-Friday and 9am – 1pm Saturday).

If you have a Saga Boat Insurance policy due to renew on or after 1 April 2021, we'll contact you shortly to provide more information on how you can renew your policy. In the meantime, if you have any questions, please call us on 0800 904 7510 (lines are open 9am – 5:30pm Monday-Friday and 9am – 1pm Saturday).

Our range of insurance plans include:

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

See below for more details about the plans.

Saga’s range of insurance products is designed specifically for our customers and is unique to us. Our boat insurance is underwritten only by MS Amlin Syndicate 2001 at Lloyd’s, which is wholly owned and managed by MS Amlin Underwriting Services.

Saga Boat Insurance plans

The Saga Small Craft Insurance Plan provides cover for vessels under 23ft, including:

  • Small sailing yachts
  • Speedboats*
  • Slow motor boats
  • Sports cruisers*
  • Fast sports cruisers.

Features and benefits

  • Up to £3 million third party liability cover (up to £5 million available on request)
  • Up to £10,000 Personal Accident Cover for you and your passengers
  • Cover for all risks of accidental, physical loss or damage to your vessel and property
  • Automatic cover for damage to underwater machinery on most powered boats
  • No need for a survey once the vessel is insured with us
  • Agreed value insurance
  • Cover for whilst your vessel is in transit
  • Water skiing and water toys cover available
  • Trailer cover available
  • Optional Marine Legal Expenses cover for up to £150,000.

Policy documents

If you're an existing policyholder, use the links below to download the Policy Wording for the Saga Small Craft Insurance Plan.

Policy wording:

Download

Legal Cover Policy Wording (optional add-on):

For cover start dates on or before 3rd August 2020

For cover start dates on or after 4th August 2020

Features and benefits

  • Up to £3 million third party liability cover (up to £5 million available on request)
  • Up to £10,000 personal accident cover for you and your passengers
  • Up to 20% No Claim Discount
  • Medical expenses cover for up to £500 per single incident
  • Cover for all risks of accidental, physical loss or damage to your vessel and property
  • No need for a survey once the yacht or motor boat is insured with us
  • Agreed value insurance
  • Cover for whilst your vessel is in transit
  • No excess to pay and your No Claim Discount remains unaffected by claims that arise when your vessel is moored in a pontoon berth at your home marina
  • Wide cruising ranges available
  • Racing cover available for club level racing only
  • Optional Marine Legal Expenses cover for up to £150,000

Policy Documents

If you're an existing policyholder, use the links below to download the Policy Wording for the Saga Boat Plan.

Policy Wording:

Download

Legal Cover Policy Wording (optional add-on):

For cover start dates on or before 3rd August 2020

For cover start dates on or after 4th August 2020

The Saga Inland Plan can cover the following vessels:

  • Narrowboats
  • Canal boats
  • Slow motor boats

Features and benefits

  • Up to £3 million third party liability cover (up to £5 million available on request)
  • Up to £10,000 personal accident cover for you and your passengers
  • Up to 20% No Claim Discount
  • Medical expenses cover for up to £500 per single incident
  • Cover for all risks of accidental, physical loss or damage to your vessel and property
  • Agreed value insurance
  • Cover for whilst your vessel is in transit
  • Optional Marine Legal Expenses cover for up to £150,000

Policy Documents

If you're an existing policyholder, use the links below to download the Policy Wording for the Saga Inland Plan.

Policy Wording:

Download

Legal Cover Policy Wording (optional add-on):

For cover start dates on or before 3rd August 2020

For cover start dates on or after 4th August 2020

Features and benefits

  • Up to £3 million third party liability cover (up to £5 million available on request)
  • Up to 30 days European cover at no extra cost
  • Up to 20% No Claim Discount
  • Racing cover automatically included for club level racing only
  • Agreed value insurance
  • Cover for whilst your dinghy is in transit
  • Trailer cover available
  • Option to extend worldwide cruising up to 365 days
  • Optional Marine Legal Expenses cover up to £150,000.

Policy Documents

If you're an existing policyholder, use the links below to download the Policy Wording for the Saga Dinghy Plan.

Policy Wording:

Download

Legal Cover Policy Wording (optional add-on):

For cover start dates on or before 3rd August 2020

For cover start dates on or after 4th August 2020

Features and benefits

  • Up to £3 million third party liability cover (up to £5 million available on request)
  • Up to £10,000 personal accident cover
  • Cover for all risks of accidental, physical loss or damage to your sailboard
  • In the event of theft or damage to your board and/or equipment while you are on holiday away from your normal place of residence, we will provide up to £35 per day, for a maximum of 7 consecutive days, for the hire of similar board and/or equipment
  • Agreed value insurance
  • Cover available for inland and coastal waters of the UK and Channel Islands
  • Option of up to 30 days worldwide cover available
  • Option to increase your protection with Marine Legal Expenses cover up to £150,000.

Policy Documents

If you're an existing policyholder, use the links below to download the Policy Wording for the Saga Sailboard Plan.

Policy Wording:

Download

Legal Cover Policy Wording (optional add-on):

For cover start dates on or before 3rd August 2020

For cover start dates on or after 4th August 2020

The Saga Third Party Only Plan provides up to £3 million third party liability cover against damage to another vessel or injury to another person. Our plan enables you to have the necessary documentation, which is legally required in order to either launch a boat from a slipway, obtain an inland waterways licence, or to simply moor your vessel in a marina.

Features and benefits

  • Up to £3 million third party liability cover (up to £5 million available on request)
  • Wide cruising ranges available, including UK inland and coastal, continental waters from the Elbe to La Rochelle, and Mediterranean waters
  • Option to increase your protection with Marine Legal Expenses cover up to £150,000.

Policy Documents

If you're an existing policyholder, use the links below to download the Policy Wording for the Saga Third Party Only Plan.

Policy Wording:

Policy Wording

Legal Cover Policy Wording (optional add-on):

For cover start dates on or before 3rd August 2020

For cover start dates on or after 4th August 2020