For the population of humans who cannot bear to be totally landlocked for any length of time, owning a boat offers the opportunity for several adventures, memorable trips, fishing outings, or just a getaway to connect to nature and get away from stress. However, owning even the smallest boats means the additional responsibility of getting an insurance cover, and choosing the perfect insurance coverage for your boat might seem like a cumbersome endeavour, especially with all the options and add-on available. The option of insurance will also be determined by factors including the level of training or certification of the boat owner, the age of the boat if the owner has a good driving record (on water and land), and whether you want to boat all-year-round, or seasonally. Boat insurance also covers winter risks and fuel spill liability, and boat owners should not forget to get coverage for when the boat is out of the water, as it would not be covered by marine insurance. With the different options available, one might get easily overwhelmed considering options available and the attendant cost, but there are ways to get discounts on boat insurances, including taking safety courses and bundling the boat insurance with other policies. Before you settle for any single insurance company or agent, however, we suggest that you make comprehensive competitive research for the best options available to you, or alternatively, engage the services of an insurance agent. Ultimately, having boat insurance is a wise move for any boat owner, offering protection against accidents, injury to self or others, and many other unforeseen circumstances. Insure4Boat is a company that claims to offer bespoke insurance services that allow boat owners to customize the products to their own peculiar needs.
Insure4Boats is a subsidiary of a United Kingdom company, Ripe Insurance Services Limited, a company that offers specialist insurance services tailor-made towards covering a diversity of needs by different boat owners. The company’s services take into account the size, type, age and use of the boat. Ripe Insurance Services has been in existence for over 2 decades, providing covers for leisure, sports, business and personal purposes.
Products and Services of Insure4Boats
The Boat (Hull and Machinery) and Third-Party Liability Motor Boat Insurance, which is one of the products offered by Insure4Boats, protects against salvage charges, theft, and malicious or accidental damage, with a policy that includes £3million standard cover. For boats that ply inland waterways, the liability coverage offered by Insure4Boats, which has a minimum legal requirement of £1million, insures damage to other boats or property, accident or injuries to another person. Insure4Boats also has optional extras, known as the European cover, which provides up to 60 days of one-time coverage on inland and coastal waters on the European continent, as well as a winter cover for boats used on external coastal waters during specific periods. Insure4Boats’ Narrowboat Insurance policy, which covers wide beam Narrowboats as well as Dutch Barges, also allows for the customer to add extras such as Contents cover, Personal Accident cover and Frost cover. Other boats covered by Insure4Boats include Sailing Boat, Rigid Inflatable Boat (with the optional extra Road Transit cover), Soft Inflatable Boats (SIB), Speedboat, Jet Ski, Small Open Motor Boat, Dinghy, Sport Craft, Canoe, Kayak and Paddle Board.