Any recreational boat users should be asking themselves 'do I need boat insurance?' and unsurprisingly the answer is 'yes' !
The aim of 'do I need boat insurance?' is to help you recognise that depending what type of boat or vessel it is that you use and what it is that you use it for, there is a type of policy that can accommodate your needs.
Should you be the owner of one of the following then it is important that you are insured before you even think about using it let alone get out onto the water!
Depending what type of boat that you use and what it is that you use your boat for, there is a type of policy that can accommodate your needs.
Every time you use your boat for there is an element of risk involved and everybody wants the peace of mind that should an accident occur or a disaster strike that you are covered for repair and replacement(value coverage) at the very least. Other important things to be covered against are:
Medical expenses should injury occur
Salvage/recovery
Fuel/oil spill liability
Personal belongings coverage for items inside the boat
Trailer coverage
Angling Insurance
Damage repair
Insurance against uninsured boaters
Liability for any docking contracts
Haul-out coverage
24 hour dispatch
If you have asked yourself 'do I need boat insurance?' and would like further information on the exact types of policies that are available please click here.