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* Pantaenius UK Limited is authorised and regulated by the Financial Conduct Authority (Authorised No.308688)

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Boat Insurance: Illustration of a motor boat in the sea

One of the UK's leading specialists for yacht and boat insurance

Get in touch
+44 (0)1752 223656

Monday to Friday, 09:00 until 17:00

If you have any questions or require advice regarding any of our insurance products please contact us. Our insurance advisors will be happy to help.



Boat Insurance: Find your Optimal Cover

Take the safe course: By taking out the right insurance, you not only protect your own boat, but also yourself against liability for damage caused to third parties. Our bespoke insurance solutions take your individual requirements into account ensuring you always have the best possible protection on board!

Boat Insurance: Illustration of a motorboat and sailing yachts in the sunset

Hull Insurance

  • Protection against all risks
  • Agreed Fixed Value
  • New for Old
Prevention

35 Years, 35 Customers – Celebrating Loyalty on the Water

For 35 years, we’ve been proud to insure and support sailors, cruisers, and boat owners across the UK and beyond. To mark our anniversary, we’re highlighting some incredible customers who’ve trusted Pantaenius over the decades.
These are more than insurance stories — they’re tales of adventure, resilience, and passion for life on the water.

Career

boot Düsseldorf, Germany

17.01.2026 - 25.01.2026

Palma International Boat Show, Palma de Mallorca

29.04.2026 - 02.05.2026

Plymouth Boat Fest, Plymouth Yacht Haven

20.06.2026

Round the Island Race, Cowes, Isle of Wight

11.07.2026

Cowes Week

01.08.2026 - 07.08.2026

Southampton Boat Show

18.09.2026 - 27.09.2026

What our clients say
4.9

250 Google reviews

14.11.2025

Happy to choose Pantaenius once again as I return to owning a yacht after a break of a few years. Used them in the past and always found the easy to deal with, competitively priced and excellent cover, much wider than most alternatives.

13.10.2025

My claim came from a mid Channel collision between my 33’ boat and a tanker which required a diversion to Guernsey for emergency repairs, followed by subsequent permanent repairs back in England. At all points in the process Pantaenius staff were courteous and professional. The claim was settled promptly and after the tanker owner admitted liability, return of most of my deductible.

26.07.2025

⭐⭐⭐⭐⭐ Great Service from Amelia Perry at Pantaenius UK I got in touch with Pantaenius UK for a quote on insurance for my new boat, and I couldn’t be happier with the service I received. Amelia Perry was fantastic, quick, efficient, and really helpful. She made the whole process easy and was super responsive. I was expecting a bit of a wait for the quote, but it came through really fast and was exactly what I needed. If you’re looking for great customer service and a straightforward process, I definitely recommend reaching out to Amelia and the team at Pantaenius.

23.09.2025

Absolutely seamless, Pantaenius handled our claim without any issues whatsoever - helping throughout the entire process seeing our 46’ catamaran back on the water as quickly as it was lifted out. We dealt with the UK branch and Simon was fantastic. I’ve been in the marine industry for 35yrs and wasn’t expecting this process to be straightforward but Pantaenius made it so!! Thank you!!

28.07.2025

Really impressed with how quickly and professionally our claim was handled. We lost our dinghy while living at anchor which made everyday life pretty tricky. Without it we couldn’t get to shore easily or safely and we needed a replacement as soon as possible. Pantaenius responded quickly and clearly and Anthony Chapman was brilliant throughout. He kept things simple, answered everything straight away and helped us feel in safe hands from the start. Within a week we had a new dinghy sorted. We didn’t expect things to move that fast and it made a big difference to be back up and running again so quickly. Big thanks to Anthony and the team. We’re really grateful not just for the outcome but for how easy and human you made the process feel.

These questions may help you

Is boat insurance mandatory?

Boat insurance is not legally required for leisure boats in the UK, but it is strongly recommended. While not mandated by law, having insurance is essential for protecting your investment against various risks, such as collisions and weather-related damage. Additionally, if you finance your boat, your lender may also require you to have insurance as a condition of the loan. Many marinas and public waterways require proof of insurance, particularly third-party liability insurance, which covers the costs of damage or injury you might cause to others. In fact, many marinas mandate third-party liability insurance for using their mooring facilities. Therefore, investing in boat insurance not only safeguards your financial commitment but also ensures compliance with many local regulations and requirements.

How much does boat insurance cost per year?

The cost of boat insurance can vary significantly based on several factors. Insurers set premiums according to risk factors such as the owner’s experience, the type, size, and age of the boat, as well as its usage, location, and cruising area. Additionally, premiums are influenced by the potential cost of settling claims. On average, annual premiums can range from a few hundred to several thousand pounds. For an accurate quote that reflects your specific needs and circumstances, contact an insurance provider specialising in boat insurance.

What does boat insurance cover?

Boat insurance typically provides cover for a range of risks:

Protection for your boat: Covers damage to your own boat including incidents like collisions, groundings, theft and other unforeseen events.

Third Party Liability: Protects against legal liability for injuries or property damage arising out of ownership or operation of the boat.

Additional Cover: Boat insurance can also include additional valuable covers such as Personal Accident and Legal Expenses.

Exclusions: Policies vary, so it is crucial to review your cover details and understand any exclusions, such as wear and tear or lack of maintenance.

Can I adjust my boat insurance afterwards?

Yes, you can adjust your boat insurance policy after it has been taken out. Changes to your boat’s usage, its value, or other factors might necessitate updates to your cover. It is important to communicate any changes to your insurance provider to ensure that your policy remains aligned with your current needs and provides the appropriate level of protection.

Over 50 years

of experience guarantee an exclusive service approach and the most efficient claims management when you need it most.

100,000 customers

already place their trust in us and make Pantaenius the leading yacht insurance provider in Europe.

35,000 specialists

in our network help us deliver true local service and support you with advice and expertise all over the world.