Tailored Motor Boat Insurance

Not all motor boats are the same, so when it comes to motor boat insurance one size doesn’t fit all.  That’s why Premier’s marine insurances can be tailored to a wide variety of craft including motor cruisers, open day boats and sports boats. And with four levels to choose from you can be sure to find the insurance you need for your motor boat.

  Cover for  Bronze   Silver   Gold   Platinum 
  Third party
bronze tick silver tick gold tick platinum tick
  Fire, lightning, explosion   silver tick
gold tick platinum tick
  Theft, malicious damage or vandalism   silver tick
gold tick platinum tick
  Weather events
  silver tick
gold tick platinum tick
  Freezing of machinery
  silver tick
gold tick platinum tick
  Accidental loss or damage     gold tick platinum tick
  Personal accident       platinum tick

Premier Marine Insurance’s policies for motor boats provide £3 million third-party liability cover for damage you may cause to any other property and cover in Europe for up to 30 days. Your insurance will also cover stern drives and outboard motors whilst in use. When you choose a higher level of insurance cover, you have the option to add the extra features - as demonstrated above - and you can protect your No Claims Bonus if you have been insured for five years or more without a claim. You’ll also have the option to extend your policy further to include waterskiing and towing of toys liability cover, as well as additional overseas cover and cover for legal expenses that includes a 24 hour helpline.

If your boat is damaged whilst in your permanent marina berth you will not be charged an excess and it won’t affect your No Claims Discount.  For Premier Berth Holders there are additional exclusive benefits – find out more below.


We are pleased to offer Premier Marinas Berth Holders an exclusive 20% saving* on our marine insurances. But that’s not all; as a Premier Marinas Berth Holder you’ll enjoy a number of unique benefits:

  • If you have an accident in a Premier marina you keep your No Claims Bonus.
  • If an accident happens in a Premier marina there’s no excess to pay.
  • For motor boat owners there’s no extra excess for damage to underwater gear.

Get a quote now or call 0344 892 1321


The following exclusions apply:
  • Wear and tear
  • Corrosion
  • Loss of value because of age and use
  • Loss of value to your boat after it has been repaired
  • Scratching, denting or bruising while your boat is being transported
‘Europe’ in the context of our Motor Boat insurances includes:
Albania, Andorra, Austria, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Eire, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Republic of Macedonia, Malta, Monaco, Montenegro, The Netherlands, Norway, Poland, Portugal (excluding Azores), Romania, San Marino, Serbia, Slovakia, Slovenia, Spain (including coastal waters of Canaries, Madeira, and the Balearics), Sweden, Switzerland, United Kingdom, Vatican City

Further exclusions may apply or vary depending on level of cover chosen. The above exclusions are standard across each of our four policy options.


Please find below details of the questions usually asked by customers.  If you cannot see the answer to a question you have please do not hesitate to call our marine insurance team on 0344 892 1321.

Q. Does this Motor Boat policy include waterskiing?
A. No, not as standard however, waterskiing liability cover can be included as an optional extra. If you would like to tow skiers please make sure that you take the option for waterskier’s liability. This will cover the third party liability to, and caused by, anyone being towed behind your boat (up to a maximum of two people). It will also include wakeboards and inflatable toys with a capacity for up to two people.

Q. Am I covered if I take my sports boat or motor cruiser outside of the UK?
A. You are covered for up to 30 days whilst in Europe. If you have the opportunity to take your boat out for longer, please speak to one of our specialist advisors to ensure that you get cover for the period you require.

Q. My policy has an excess, does it increase if I damage my boat’s underwater stern gear?
A.  If you choose our Platinum cover there is no increased excess for this type of claim; the excess is double for claims with Gold cover.

Q. Do I need a specific wheel clamp for my trailer?
A. Your marine dealer or chandler should be able to recommend a secure product. We do not insist on specific manufacturers, but it should be a recognised make, preferably with a "Sold Secure" logo.

Q. I have a second home in Spain. Can I leave my boat there all year round?

A. As long as you tell us and we approve the security arrangements, your boat will be covered – this would usually attract an increased premium.

Q. What's the policy excess?
A. You can choose the excess you want to meet your needs. Just ask us for details.

Q. Where can I find more information about payment options, including paying by direct debit.
A. If you want to know more about our monthly payment option, please call us on 0344 892 1321.


Our claims team

The Premier Marine Insurance team is available Monday to Friday, 09:00 to 17:00 hours on: 0344 770 1092 or email enquiries@premiermarineinsurance.co.uk

How to make a claim
Simply call us on 0344 770 1092 or email enquiries@premiermarineinsurance.co.uk. We'll talk through the details of your claim and the next steps to guide you through the process to settlement.

There are no claim forms to fill in, only a Statement of Fact form which is completed by your claim handler over the phone at the time of the notification of the claim. You'll then receive a completed form for your records via email.

Backed by our research that over 91% of people responding to a questionnaire about their claims experience are happy with our service, we're justly proud of our claims assistance.

In line with our service pledge, we will act within 24 hours of being notified of your claim and within five days if you provide us with new information on an existing claim.

Most importantly, when your claim is settled we will ensure speedy payment by BACS straight in to your bank account or by CHAPS to the supplier.

Get a quote now Or call 0344 892 1321