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Insurance that puts you first

Marine Insurance

As with any insurance policy, marine insurance reimburses the policyholder’s financial losses due to any damage incurred. In this case, the damage usually refers to that which a vessel may incur while on the open waters. There are a number of different options for those seeking marine insurance, so to get a wider picture of the type of coverage available it is important to have a brief look at some of the more common types encountered.

Individual watercraft insurance

This is one of the most frequently used forms of insurance and is intended for those who are operating a vessel in any non-commercial way. These marine crafts can include personal fishing boats or recreational watercraft such as a motorboat or jet-ski. This policy covers damage to the craft and will sometimes also contain clauses protecting against any personal injuries which may be incurred in the process.

Towing and salvage insurance

This policy covers the lesser expenses of such unfortunate incidents as an engine breaking down or a ship stranded due to a lack of fuel. As much of the financial burden associated with a maritime accident can be attributed to the high costs of towing and salvage, this coverage can prove worthwhile should an accident occur.

Other subtypes of policies

In addition to these broader and more common packages we can also help you find more specific plans for specific purposes. Cargo insurance protects against the loss of any on-board material in the event of an accident. Naturally, this is utilised widely on commercial vessels whose duty it is to protect a third party’s belongings.

There are also different levels of personal liability insurance while on the water. These options are usually exercised when the vehicle involved is associated with a high degree of risk such as in the case of a jet ski or other fast-moving vessel which can present a danger to the operator and possibly others in the immediate area.

These few examples represent a broad class of policies currently available. As should be clear, the type of coverage needed will correlate directly to the type of vehicle, the intended purpose and the cargo involved.

We can talk you through all the different options available to you and help you determine which is best for your situation. Not only will this provide you with the best level of cover for your needs but being so personally tailored, let you enjoy the benefit of a great price too.

Call us today on 020 8903 9412 or get an online quote to find out more...