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

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Yacht Third Party Liability Insurance

Legal Liability to third parties arising out of ownership or operation of the yacht.


Liability cover for everyone

The Pantaenius policy covers your legal liabilities for property damage, death and injury, including the liabilities of your crew.

Watersports (including Diving)

Your legal liability towards those engaged in watersports from your yacht is covered, and also their and your liability towards anyone in the water.

Water pollution

Your legal liability for water pollution and environmental damage is covered under your Pantaenius policy.

Skipper Liability

An extension to cover your personal liabilities when you are using a borrowed or chartered yacht.


I have sold my boat. What happens with my policies?


When you sell your boat you cease to have an insurable interest in the yacht. Therefore, you will need to notify us, in writing, of the sale as soon as possible. You can do this by sending an email or a letter. We cannot cancel the policy by telephone. When we cancel your policy, a pro-rata refund of unused premium will be made provided no claims have been made in the current insurance period.  

Can the purchaser take over the policies?


Each policy of insurance is based on the individual requirements of the insured. In taking over another person’s policy there is the danger that the policy is not suitable for the needs of the purchaser. Of course, if you feel that you have benefitted from the Pantaenius cover and customer service and wish to recommend us to the buyer of your yacht, then we would be delighted to provide them with a quotation for their insurance. Please feel free to pass on our contact details. If the new owner wishes to continue to insure the yacht through Pantaenius, we will ensure that there is no gap in cover when the yacht changes hands. You will need to let us know as soon as possible so that we can offer a quotation and set up the new insurance in good time for the sale. In many cases we will waive the requirement for a survey which may be helpful for your buyer and so benefit the selling process. 

How long is the policy period?


The policies are valid for one year, with renewal information being sent to you shortly before the next policy period.

We haven't answered all your questions?


Please visit our FAQ area. If you can't find the help you need there, just contact us! 


Is Third Party Liability Insurance Really Necessary for my Yacht?

In many countries, marine liability insurance is not mandatory. However, we at Pantaenius still highly recommend boat liability insurance as part of our standard safety measures to keep financial burdens at a minimum – after all, any damage caused while using a vessel can quickly add up. Remember that boat owners will always be held liable with their entire essets for damages caused by them or someone else driving their vessel. Since those claims are usually not covered by the boat owner’s private liability insurance, a third party liability insurance is highly advisable. Also, many marinas or local authorities insist that you own it. 

Flexible And Comprehensive Boat Liability Insurance

Our dedicated marine third party insurance offers cover without any unclear exclusions. While it is not necessarily mandatory, it is still widely considered to be the bare minimum of recommended cover for your boat. Our comprehensive third party boat insurance cover includes claims of both owner and crew and guests, should they cause damage to a third party’s property or cause injury or even death to another person.

Because boat insurance is always based on individual circumstances, our insurance offers are flexible enough for your personal needs. Our yacht liability insurance automatically includes a Skipper Liability Insurance.

Get in touch
Your Pantaenius Crew

Do you have any questions? If so, our dedicated staff are happy to help. Whether you would like a quotation for your boat insurance or more information on our yacht third party liability insurance or our other products, we are at your service!

Emma Batson
Harry Chapman
Andy Crick
Kirsty McCurdy
Fiona McCracken
Rosanna Muscat
Nicola Symons
+44 1752 22 36 56

Monday to Friday, 9:00 until 17:00

PANTAENIUS - a reliable partner
Enjoy the great feeling of being in safe hands...
Over 50

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


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


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