Boat Insurance
We protect your commercial vessel, from hull to engine, whether it's waiting in port or sailing the open sea.
Who is it for?
- Owners of boats and ships carrying commercial cargo and passengers
- Operators of commercial fishing boats longer than 2.5 metres
- Shipyard, marina, boatyard and port operators
- Businesses providing ship repair and maintenance services
- Organisations that finance vessels and mortgagee creditors
What is Boat Insurance and what does it do?
For people who make their living at sea, a boat is both a vessel and their capital. A collision, a grounding or a small fire in the engine room doesn't just mean repair costs; it means a business at a standstill.
Boat Insurance protects vessels used for commercial purposes in navigable waters against risks such as sinking, grounding, collision, fire, earthquake and lightning. Cover isn't limited to when the boat is under way; it continues in port, at anchor and during maintenance and repairs.
From fishing boats to cargo ships, from vessels under construction to marina operations, every activity connected with the sea has its own risks. So we design the policy around the vessel's age, how it's used and its navigation area, adding loss of hire and liability cover where needed.
When you take it out with Atom Sigorta
- Continuous protection under way, in port, at anchor and during maintenance
- A policy designed around the vessel's age, tonnage and navigation area
- Hull, loss of hire and liability cover combined in one set-up
- Cover written on international marine clauses and recognised worldwide
- A team by your side coordinating surveyors and repairs when there's a claim
What does the policy cover?
Depending on the package you choose, some or all of the cover below can be added to your policy.
Hull and Machinery
Protects the vessel's hull, engine and equipment against risks such as sinking, grounding, collision, fire, earthquake and lightning. Applies while under way, in port and at anchor.
Collision and Contact
Covers damage caused by colliding with another vessel or making contact with fixed structures such as quays and port equipment.
Fishing Boats
Covers the hull, engine, equipment, tenders and dinghies of commercial fishing boats longer than 2.5 metres, along with specialist equipment such as radios and radar.
Loss of Hire
Covers the loss of hire and earnings while the vessel can't work because of damage covered under hull and machinery.
War and Strikes
Provides extra protection against damage to the vessel caused by war, strikes, riots, terrorism and malicious acts.
Boat and Yacht Construction
Protects newly built or refitted vessels against risks before launch preparations, on the slipway and during sea trials.
Mortgagee Creditor
Protects the banks and finance companies that finance a vessel against losses they would suffer from damage to it.
Marina and Boatyard Operator's Liability
Covers legal liability to third parties arising from running a marina or boatyard.
Port and Terminal Operator's Liability
Covers damage to vessels, cargo, equipment and third-party property during port operations, along with legal costs.
Ship Repairer's Liability
Covers damage to ships left in your care for repair and maintenance, and to property belonging to third parties.
Salvage, Assistance and Legal Costs
Covers salvage and assistance costs incurred to prevent or reduce damage, as well as the costs of disputes relating to the policy.
Cover, exclusions and limits vary with the package you choose and the policy's general and special terms. To work out the right set of cover for you, call us on 0850 303 28 66.
Your questions about Boat Insurance
If your question isn't on the list, give us a call. We'll keep explaining until it all makes sense.
Hull cover isn't a legal requirement. However, lenders ask for a policy when a boat is bought on finance, and marina and port contracts may require liability cover.
Cover applies within the navigation area set in the policy. If you plan to go outside it, you need to notify us and get approval in advance.
Yes. Cover continues in the boatyard, on the slipway and during maintenance at the shipyard, under the terms stated in the policy.
It's the share of each claim that the policyholder pays themselves. The amount or percentage is set when the policy is arranged and is clearly stated in it.
If the sum insured in the policy is lower than the boat's real value, claim payments are reduced in the same proportion. That's why it's important to insure it at its current value.
Many risks are covered, including malicious acts by the master and crew (known as barratry). The details depend on the clauses in the policy.
Chartering is a change of use that must be declared and approved in advance. If it isn't declared, you could have problems when you make a claim.
Usually the boat's licence or registration certificate, a seaworthiness certificate and up-to-date interior and exterior photos. Additional documents may be requested depending on the type of operation.
Get a quote for Boat Insurance
Send us a few details on WhatsApp. We'll compare the options from the insurers we work with and share them with you in the same chat.
Boat Insurance quote
No forms to fill in. Just message us on WhatsApp; we'll ask a few quick questions and send your quote in the same chat. Asking for a quote puts you under no obligation.
- 1Tell us which insurance you have in mind
- 2Send a photo of your vehicle registration or current policy, if you have one
- 3Receive your side-by-side quote right in the chat
Or call us now: 0850 303 28 66
Office hours: Monday – Friday 08:30 – 17:30 · Saturday 08:30 – 14:00
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