Motor Cruiser Insurance

Compare motor cruiser insurance quotes from leading marine insurers in order to find cheap motor cruiser insurance that suits your specific requirements.

Buying a motor cruiser can be a significant financial investment and it is important to ensure that you can compare motor cruiser insurance quotes so that you can get a competitive price for the insurance cover you need.

Motor cruiser insurance is a specialist class of insurance which most of the big brand insurance companies won't insure and we aim to help you compare motor cruiser insurance quotes from leading insurance providers.

The key elements of motor cruiser insurance to look out for include:

• Comprehensive Cover – where possible you should try and insure your motor cruiser for “comprehensive” cover which includes insurance for accidental damage, theft and malicious damage/vandalism
• Theft Cover – check whether your motor cruiser insurance quote provides cover Make sure all items left on the deck otherwise you may need to lock all items away for cover to be in force
• Transit Cover – check that full cover applies whilst the motor cruiser is in transit on a trailer
• Drives and Outboard Motors – check whether your motor cruiser insurance quote includes cover for stern drives and outboard motors whilst underway
• Third Party Liability Insurance – you should obtain a minimum of £1m Third Party Liability insurance for your motor cruiser as this is the minimum requirement for may harbours, marinas, or water authorities and to ensure you have adequate insurance cover in the event of injury to a third party or damage to their property whilst you are using your motor cruiser
• Maximum Speed – some insurers impose maximum speed limits on their motor cruiser insurance so check that any restrictions meet your requirements
• Waterskiing – if you plan to use your motor cruiser for waterskiing make sure that you declare this when obtaining your motor cruiser insurance quote and check that cover is included with your quotation
• Towing Toys – if you plan to use towing toys with your motor cruiser e.g. inflatable rings, bananas etc make sure that you declare this when obtaining your motor cruiser insurance quote and check that cover is provided as some insurers specifically exclude this
• Racing – if you plan to go racing in your motor cruiser ensure you declare this when obtaining your motor cruiser insurance quote as it may affect your quotation
• Chartering/Commercial Use – if you are planning to use your motor cruiser for commercial purposes e.g. to hire it out then make sure that you declare this when obtaining your motor cruiser insurance quote as otherwise cover may be excluded
• Age of the motor cruiser – if your motor cruiser is more than 20 years old a full survey and valuation report may need to be obtained before you can take out your motor cruiser insurance
• UK Registration – most UK insurers will only provide insurance for your motor cruiser if it is registered in the UK
• Territorial Limits – check that your motor cruiser insurance quote covers all of the territorial waters that you plan to sail in

If you are looking for cheap motor cruiser insurance quotes then there are a number of ways you can save money on your motor cruiser insurance:

• Excess - opting for a higher excess will save you money on your motor cruiser insurance quote
• Security - insurance companies offer cheap motor cruiser insurance quotes where appropriate security systems are in place on the motor cruiser e.g. wheel clamps on trailers
• Mooring - insurance premiums can vary according to where your motor cruiser is moored and the proportion of the year that your motor cruiser is out of the water
• Manufacturer - motor cruiser insurance quotes can also depend upon the make of motor cruiser e.g. some insurers offer discounts for specific makes of motor cruiser and so you may want to obtain insurance quotes before buying your motor cruiser
• Qualifications - insurers will generally also offer cheap motor cruiser insurance quotes if you have a relevant qualification
• No Claims Bonus - you can also receive a discount on your motor cruiser insurance quote for more than one year's claim free boating