Boat Insurance from specialists you can trust

Whether you own a Narrowboat, Motorboat, Jet Ski or Dinghy, we can help you build the perfect policy.

  • Up to 25% no claims discount
  • UK customer service team
  • Rated 'Excellent' on Trustpilot
  • Marina mooring discount

Get a quote

Why choose Ripe for boat insurance?

Up to 25% no claims discount

If you’ve not made a claim in the past 5 years, we can o?ffer you a discount on your boat or craft insurance of up to 25%.

The Ripe Guarantee

Insurance that takes good care of you with great cover, exceptional service at the right price.

Up to 15% Marina mooring discount

Up to 15% discount if you moor your boat in a recognised marina.

Just some of the boat types we insure…

Why do I need boat insurance?

Owning a boat is a passion that involves a lot of investment and commitment and if an accident was to happen, the cost of repair or salvage could easily reach into the thousands. Not to mention the cost if you hit and damage another vessel.

The type of boat insurance you need will depend on the type of boat you own and where you sail. That’s why we don’t offer a one-size-fits-all approach to our policies. With specialist boat insurance from Ripe, you can build your own policy and pick and choose the options you want. This means you only ever pay for the cover you need.

What does boat insurance cover?

Third Party Liability

Cover up to £3m is included as standard or you can opt to extend this to £5m if needed. This covers the associated costs if you’re found liable for causing accidental damage to someone’s property or injury to another person.


Provides cover for theft or attempted theft of your boat or craft including its trailer and any associated equipment.

Salvage Charges

We will cover salvage charges and expenses incurred in retrieving your boat if it is stranded to prevent or minimise loss.

Accidental loss or damage

We will provide cover for accidental loss or damage caused by fire, explosion, collision, stranding, grounding and heavy weather.

Malicious damage

Provides cover for loss or damage to your boat or craft caused by any malicious act which has been reported to the Police.

Personal Accident cover

With our Personal Accident add-on, if you suffer a serious bodily injury whilst participating in the activity you’re insured for, you’ll be compensated.

Check out some of our great reviews

back to top

Please enter a valid email address.

Please Please tick one of the boxes below.

Let's stay in touch. Sign up to receive special offers and exclusive discounts.

Your data is safe with us and you can unsubscribe at any time. For more information, please see our Privacy policy.

Thank you for subscribing, you’ll be hearing from us soon!