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Boat Insurance - Peace of Mind for Your Marine Adventures

By John Gibb

As with all vehicles a boat is legible for an insurance policy, under the Marine Insurance Act. While some small boats kept on your premises can be covered by home insurance, Marine insurance can cover not just a seafaring boat but also the goods, as throughout marine history ships have been lost with very expensive cargoes aboard, due to the dangerous nature of sea voyages.

Boat insurance is often cheaper than car insurance especially for a small boat. A comprehensive plan will cover damage to the hull, the machinery and the parts. It is also worth checking if the plan covers theft, injury and any specialist equipment on board like fishing tackle.

Insurance varies a lot depending on the boat. Narrow boats, speedboats, dinghies, yachts, rowing boats and motorboats all have different systems for working out a quote. A fibreglass boat (usually GRP, glass reinforced plastic), like most speedboats, is in a higher insurance band than a wooden or steel boat such as a narrow boat. This is because fibreglass hulls can be damaged or dented very easily while steel hulls for example are very hard to cause any significant damage to. You can get cheaper insurance for diesel powered boats, as they are less likely to explode, and also for using coast guard approved fire extinguishers. A certification in a boat safety course may also reduce insurance.

It also depends on where you intend to sail the boat. The boat will be in a different insurance category depending on whether you intend to sail it in canals (least expensive), rivers, lakes and tidal waters (more expensive) and the ocean.

There are also insurance policies for special circumstances. You can have a boat insured for damage while it is being built, or for a vessel sailing into a war zone or terrorist associated waters, or for specific cargoes such as highly perishable goods that may fail due to delays.

About the author

John Gibb is the owner of Boat insurance guidance
For more information on the Boat insurance check out http://www.boat-insurance-guidance3k.info
Article Source: http://EzineArticles.com/?expert=John_Gibb

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Initially, inflatable boats were developed for use in the navy for transporting torpedoes and other cargo as well as other applications. Over time, recreational applications evolved for the smaller boats including pleasure, tender and fishing. When the stability, flotation and seaworthiness of inflatable boats became more known, lifesaving and rescue agencies around the world began using them as tenders on their larger vessels. Today, rescue and military agencies around the world use inflatable boats, particularly RIBs, for many applications inshore and offshore.


Small vessels (whether pleasure or non-pleasure craft) that operate in Canada must be built according to the Construction Standards for Small Vessels TP 1332E. Pleasure craft built to these standards are issued Canadian compliance labels. If you are selling, building or importing a pleasure craft, you must ensure it meets the appropriate requirements.
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