Boat Insurance NI

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Do I need boat insurance NI?

The Northern Irish people like me have a love for marine life and sailing, whilst expensive, it is a popular pastime. Boat insurance is normally not a mandatory requirement in Northern Ireland, only if the boat is only used on the seas and ocean. If you are intending to use your boat on the inland waterways of the UK, boat insurance is often mandatory.  In any event, boat insurance NI will cover you for damage or theft of your sailing vessel.  We have partnered with Quotezone, who are able to provide you with quotes from marine insurance specialists that cover boats in the North of Ireland and the rest of the UK. 

Boat insurance NI Average Cost?

It is difficult to give an average costs as the cots of boat insurance NI will depend on  a number of variables. Key amongst these are the size and cost of the boat and how the boat is being used. For example, a working fishing boat would normally be more expensive than a leisure boat that is only used occasionally or during summer months.

Did you know? Whilst boating insurance is not a legal requirement, in many cases it is mandatory if you take your boat into inland waterways in Northern Ireland. Also, most marinas make having insurance a mandatory requirement.  

What are common boat insurance exclusions?

Like all insurance polices, exclusion will exist, this can vary from policy to policy, but in general expect the following to be excluded from your NI boat insurance policy. 

  • General Wear and Tear : This is never covered, the ear and tear can be minimised by looking after your boat
  • Negligence : Failing to take proper precautions this is similar to leaving the keys in the ignition
  • Under influence of drugs or alcohol : Similar to car insurance, your policy will be void if you are found to be under influence of alcohol or drugs. Please take careful note that some common pharmaceutical drugs can be included in this category.
  • Safety Procedures not Followed:  Example if you are not wearing ‘kill-cords’ on crafts which require them, such as jet skis

Does boat insurance cover the contents of my boat too?

Contents is not normally part of a standard boat insurance policy, but if required it can be added as an extra cover element for a small addition fee. 

Insurance Quotes For Following Craft

Boat insurance NI is a term that covers all seacraft, with a comprehensive list below.  The panel of quote zone insurance brokers are able to provide you with insurance quotes that will meet with your individual sea faring requirements. 

  • Canal and narrowboat
  • Dinghy
  • Canoe and kayak
  • Jet ski
  • RIB
  • Power Boat
  • Sail Boat
  • Canoe Insurance
  • Speed Boat
  • Fishing Boat
  • Rowing Boat
  • Jet ski
  • Kayak Insurance
  • Motor Cruiser
  • Classic Boat
  • Commercial Boat
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