A boat insurance policy ( or Marine / Pleasure craft insurance policy) provides cover for incidents that may occur both at sea and whilst your vessel is moored. This type of insurance is available for a wide range of boats from runabouts to luxury cruisers.
You should consider arranging boat insurance if;
It doesn't matter whether you own a runabout, a cruiser, or a racing yacht. You cannot predict what will happen to third parties on the water. Cover is provided for death or bodily injury to a third party arising from an incident covered under the policy. Not having insurance could mean you are left with a hefty medical bill or a repair for a large vessel.
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