Boat insurance is a must, whether it’s for a small inflatable boat (sib) or a super yacht.
Launching small boats from slipways will almost always put you in close proximity to other people. Whether it’s other slipway users or the general public using the beach you maybe launching from. Once on the water there are usually plenty of other small boats around particulary during the summer months.
Do I need boat insurance
Small personal watercraft such as Kayaks and Canoes (pwc) are not usually covered, all other boats types usually are. Legally insuring your boat is not a requirement in the UK, It is always best to be covered for any powered boat for a multitude of reasons. Not all venues will require boat insurance but most do. Council run slipways at the beach will almost certainly require proof of insurance before allowing you to launch.
Why do I need boat insurance?
Getting insurance is a must for any boat owner, you will be covered for alsorts of potential issues.
Risks you will be covered for will be things such as loss or damage to your boat. Collision damage and possibly clean-up costs. Property damage such as damage to other people boats, property or structures. Insurance will also cover bodily injury liability including: lost income, pain and suffering as well as legal expenses. Theft and accidental damage are also covered, its suprising how many boats are stolen each year. Personal belongings may also be covered, usually up to a £1000.
Your prize possession should be covered on the driveway or on its moorings.