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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

Outboard Motor Thefts Are Rising – Here’s How to Stay Protected

Outboard motor thefts are on the rise, and organised crime groups are increasingly targeting high-value engines. Knowing how to reduce your risk, and what actions to take if the worst happens, can make all the difference.

Events

Sail GP Portsmouth

19.07.2025 - 20.07.2025

Cowes Week

02.08.2025 - 08.08.2025

Southampton Boat Show

19.09.2025 - 28.09.2025

Spirit Yachts Regatta, Real Club Náutico de Palma, Majorca

24.10.2025 - 26.10.2025

Fort Lauderdale International Boat Show

29.10.2025 - 02.11.2025

METS Amsterdam

18.11.2025 - 20.11.2025

What our clients say
4.8

219 Google reviews

08.07.2025

Pantaenius have a global reputation as being a premiere insurance for boat owners for a reason, they treat their customers very well. The staff are incredibly professional and helpful and go beyond the scope of their responsibilities to ensure their customers have a pleasant experience.

27.03.2025

I have been insured with Pantaenius UK since 2012. They have been outstanding throughout that time. I have had a couple of situations where I needed expert guidance on a structural question when they sent in a surveyor at their expense. I have had a major claim resulting from a lightening strike and they made the process reasonably painless. I have had also had a couple of smaller claims and again they have been excellent to deal with throughout and always very fair. They really do deserve their premiums and their blue chip reputation.

24.06.2025

The support I received from you is at the highest level of service. To say that you acted quickly is an understatement. Your reaction was IMMEDIATE and had a positive effect on me. Understanding often complicated life situations is also exemplary. Simply Thank you very much for being there.

02.07.2025

An outstanding helpful and flexible approach to a clam. Really practical and personal approach to approving a contractor for the work needed. All round I have always received excellent service

27.06.2025

Simon was fantastic. From beginning to end he was so professional, helpful and all emails were responded to promptly. Simon ensured that the entire process, as stressful and complicated as it was, went smoothly, I’m very grateful. Thank you Simon.

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.