Whether you’re setting sail for leisure or adventure, your boat deserves the best protection. Our specialised yacht and sailboat insurance policies offer all-risk coverage, designed to fit your individual needs. With over 49 years of expertise, we work with top insurers to ensure you can navigate with confidence.
We’re a boat insurance broker that provides cover for both larger and smaller sailing boats and sailing yachts. Your sailing boat is in safe hands with our customised and bespoke yacht insurance policies which include theft and third-party sailing liability, as well as accidental damage and salvage charges.
You’ll have full, personalised cover for your sailboat with Velos. Get a quote today for complete peace of mind.
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Our sail boat insurance policies aren’t listed on any price comparison site, as we create coverage that is tailor-made to each customer’s requirements and their individual sailing yachts, dinghies and boats.
As such our sailing boat insurance policy is a fully comprehensive, all-risks product, based on an agreed value which is shown on the policy paperwork, so if your sailboat is lost, this is what you will get back for your vessel. Our all-risk yacht insurance policies include as standard everything you could ask for, including covering your yacht or pleasure craft against:
- Fire, lighting or explosions
- Theft, malicious damage or vandalism
- Accidental loss or damage
- Personal accident cover
- Third-party sailing liability up to GBP 5m
- Salvage charges
- Legal expenses
Our competitive third-party liability and fully comprehensive boat insurance policies not only insure the boat and associated property, but also include liability cover for you as the boat owner, and personal accident insurance for emergency medical expenses for yourself and your guests should the worst happen.
Should you wish to race your yacht, we can also include specific coverage for the risks involved in racing, just let us know when asking for a quote so we can make sure all your bases are covered.
Highlights of the Velos sailing insurance cover policy are as follows;
- Agreed Value, All Risks policy
- GBP 5m Third Party Liability cover limit as standard
- GBP 100,000 Legal Expenses cover included for free
- Up to 25% NCB for 5 years claims free, after which protected at no additional cost
- Up to GBP 20,000 worth of Personal Accident cover included, as standard
- Up to GBP 5,000 worth of Medical Expenses cover included as standard
- Cover available for a variety of cruising ranges in the UK, Europe and further afield.
- If you have a claim in a marina, either ashore or afloat, we waive the deductible and you don’t lose your NCB, even if it’s not protected
Please note that policies from other insurance providers may not offer all of the above or may include different limits.
If you do have to make a claim, you can rest assured that our UK, London-based, helpful and efficient claims handling team will be able to take you through the process, painlessly and worry-free.
All of our marine insurance claims are handled in-house on behalf of our world-renowned underwriters, giving speedy and effective resolution to all claims on boats and yachts.
Our reputation for customer care is paramount, and you are our priority. So, call us today where a member of our team of experts will guide you from start to finish, or get a no obligation, free quote online.
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Want to get a FREE quote from us today to find out more about how we can help you get the right insurance solution.
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Claims Advice:
You can contact our claims team By Telephone: 020 7929 4058 from the UK or +44 20 7929 4058 from abroad.
Get claims adviceYacht & Sailboat Insurance
Frequently asked questions
In the UK, boat insurance is not a legal requirement, however, it is highly recommended to protect your boat and yourself. Certain marinas and most inland waterways insist that boat owners have at least some form of boat insurance and it’s generally seen as good practice to provide boat insurance details if requested.
The cost of yacht insurance will depend on the information you provide for the quote, such as details about the vessel and the policy holder, including loss record, experience etc.
It will depend on your type of cover, your insurance policy will generally cover you for theft, accidental damage, salvage costs, third party sailing liability up to £5m and legal expenses.
Get in touch by email or phone and we will make the requested changes to your marine trade insurance policy.
Irrespective of which policy you select there are always some exclusion to cover. these would normally be as follows;
- Loss, damage, liability or expense intentionally caused by or consented to by you or arising from unseaworthiness resulting by you
- Cost of repairing any defect from a prior repair, alteration or maintenance work
- Design or construction fault
- Loss and damage caused by wear and tear and lack of reasonable maintenance
- Loss and damage caused by insect, vermin, damp and marine life
- Theft of insured gear and equipment unless it follows violent forcible entry into your vessel or place of storage
- Theft of insured personal effects unless it follows violent forcible entry into the vessel or vehicle while in transit
- Theft of your outboard motor unless it is secured to your vessel by an appropriate anti-theft device in addition to its normal method of attachment or violent forcible entry into the vessel or place of storage
- Theft or loss of boats, such as dinghies or tenders, not permanently marked with the name of the parent vessel
The vast majority of home insurance policies do not, especially if you’re using your own boat on the water, i.e. in inland waterways or international waters, but do double-check your policy wording.
Similarly, travel insurance policies generally don’t insure and cover your boat unless you’ve added optional extras which include your boat or yacht. Again, it’s best to check your insurance company and their policy wording to see if you’re covered or contact us for advice.
Legally, no, you do not need a sailing license to use a sailboat for recreational purposes in most countries. However, getting qualified might still be worth your while.
For example, it is a great way to learn basic sailing techniques which will help you sail easier and much safer. That goes for not only you but also everyone on your boat and those around you.
As you can imagine, most insurance companies are not keen on covering boats that inexperienced people are sailing. These users are far more likely to get into accidents, get injured, or injure others. By being able to prove that you actually can control your boat, you are far more likely to get your sailboat insurance approved – and pay less, too.
Yes, we’re a broker who isn’t on any boat insurance comparison sites, but we’ll find you the most appropriate boat insurance specialists and boat insurance policies for your needs and make sure your boat insurance cost is the best value for money you can find.
Why choose Velos?
As one of the leading marine insurance providers in the UK, we have been providing commercial and private marine insurance to yacht, pleasure craft and boat owners since 1975. We offer competitive rates and tailored boat insurance cover no matter our customers’ needs.
- Tailor-made, bespoke insurance policies
- Competitive premium & wide cover
- Market-leading reputation for customer care
- Professional underwriting team
- Efficient and fast claims handling
