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Boat Insurance
Whether you enjoy relaxing in the marina or to venture further afield for your boating adventures, our boat insurance has been created with you in mind. Towergate Insurance offers a range of features and benefits for Yacht Havens berth holders.
0344 892 6229
Weekdays 9am - 5pm
Boat Insurance
Whether you enjoy relaxing in the marina or to venture further afield for your boating adventures, our boat insurance has been created with you in mind. Towergate Insurance offers a range of features and benefits for Yacht Havens berth holders.
0344 892 6229
Weekdays 9am - 5pm
Yacht Havens is an introducer of Towergate Insurance
Protecting your passion for boating
20% discount
When you buy or renew a boat insurance policy*
No claims discount to recognise careful ownership
5% discount per year up to 25% discount for five years
‘Marina ready’ - £5m liability cover
Except for employees and marine trade workers, fare paying passengers, water skiers, parascenders and divers
Loss of keys cover
Up to £2000 per year (£500 limit for any one claim).
Features of Boat Insurance
Standard cover
24-hour single-handed use
Cover for up to 24 continuous hours for avid UK sailors
Free tender insurance up to £2000
With associated outboard up to £1000, providing an approved outboard motor lock is in use
Up to £5,000 loss of berthing fees
When you are unable to use your berth due to an insured event
No excess charged in a Yacht Haven marina
If the damage occurs in a Yacht Havens marina, there will be no excess to pay
Boat Insurance FAQs
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Where can I find full details of the policy?
Where can I find full details of the policy?
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the Insurance Product Information Document and policy wording, which are available during the quotation process.
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What is boat insurance?
What is boat insurance?
Our boat insurance policies take into account a number of factors including the size, value and use of your craft. Find out more details below.
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What does boat insurance cover?
What does boat insurance cover?
Our boat cover can be tailored to suit your needs, depending on the type of craft you have and what you will be using it for.
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Do I need boat insurance?
Do I need boat insurance?
Although boat insurance is not a legal requirement in the UK, evidence of third party insurance is compulsory at most marinas, harbours and in recognised mooring areas. If you’re considering investing thousands of pounds in a boat, you’ll no doubt want to make sure you’ve got the right insurance cover in place to protect it.
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How much does boat insurance cost?
How much does boat insurance cost?
Our boat insurance policies cover a variety of different risks, depending on the type of craft you have, its age and size, and how and where you use it. Therefore, it’s difficult to give an average cost.
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What boat insurance do I need?
What boat insurance do I need?
The level of coverage you need will depends on a number of factors, particularly how and where you are intending to use your boat. Should you use your craft for more particular or competitive purposes, such as racing, you can add specialist cover to your policy.
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What are common boat insurance exclusions?
What are common boat insurance exclusions?
It is always recommended that you check your policy documents for a comprehensive list of exclusions but typically boat insurance does not include cover for:
- Wear and tear
- Deliberate acts of negligence or recklessness
- Operating a boat under the influence of drugs or alcohol
- Individuals not wearing ‘kill-cords’ on crafts which require them, such as jet skis
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What if I have more specific questions about my craft?
What if I have more specific questions about my craft?
Please see the page for your specific craft from the list to find more details:
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Do you offer no-claims discount?
Do you offer no-claims discount?
Yes, we can offer up to 5% discount per year up to 25% discount for five years, with no claims protected in a Yacht Haven marina or if the loss occurs in a marina that is part of the freedom berthing scheme.
How do I make a claim?
Should you need to make a claim, we have a dedicated team on hand to authorise repairs or agree payments, to get your claim settled as quickly as possible. You can get in touch to let us know about a claim 24/7. For more complex claims, a specialist handler will be assigned to manage the claim and lead you through the process.
1.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
2.
Call the claims team for
current claims on 0330 018 2292. From 1 Nov, new claims on *01273 863 450* and explain exactly what happened
3.
Provide photos if requested
to help us understand what happened as quickly as we can
*20% discount will be applied to the premium, before Insurance Premium Tax and Customer Service Charge. Minimum premium of £100 for RIB and £75 for all other craft is applicable. The discount is not applicable on dinghies. Discount is only valid for Yacht Havens berth holders. Discount is subject to underwriting acceptance. Available to UK residents only.
Yacht Havens is an Introducer of Towergate Insurance.