Call us for a boat or marine trade insurance quote on 03333 609 886
Reliable Boat Repair Insurance Policies
Running a boat repair or marine maintenance business carries risks that a standard commercial policy isn’t built to cover. Whether you’re servicing outboard engines, carrying out repairs, working as a marine gas engineer, or valeting, the moment a customer’s vessel is in your care, you carry liability for it. And the moment a job goes wrong, you need a policy that protects.
At Stoneways Marine, we arrange specialist boat repair insurance for businesses of all sizes, from sole traders to workshops handling multiple vessels at once.
Get in touch with our team today for a quote by calling 03333 609 886.
What Does Boat Repair and Maintenance Insurance Cover?
Boat repair insurance policies can be structured to address the specific risks of your trade, and will usually include a combination of the following:
- Public liability, covering third-party injury or property damage arising from your business activities
- Employers’ liability applies if you have paid staff, and also applies to volunteers and apprentices
- Customers’ goods in care, custody and control, covering you for damage to a customer’s vessel while it’s in your possession
- Products liability, covering claims arising from parts or components you have fitted or supplied that cause injury or damage after the job is complete
- Tools and equipment cover, protecting your own tools and business equipment against loss, theft, or damage
- Goods in transit, covering stock, parts, and customers’ property being transported
- Business interruption, covering loss of income following an insured event, such as fire or storm, and any damage to your premises
Errors and omissions insurance can also be available as an optional addition for those whose work includes a design or advisory element. However, it’s not a standard requirement for most hands-on repair and maintenance trades.
Who Does Boat Repair and Maintenance Insurance Cover?
We work with a wide range of marine trade businesses, including:
- Marine engineers carrying out engine installation, servicing, and repair
- Outboard engine specialists
- GRP and fibreglass repairers and gel coat matchers
- Marine gas engineers
- Marine electrical engineers and installers
- Yacht painters and antifouling contractors
- Yacht riggers
- Boat valeters and detailers
If your trade sits outside this list or spans several of these activities, call us. Marine businesses rarely fit into a single category, and we are used to working with businesses that do more than one thing.
Why Choose Stoneways for Your Boat Repair Insurance?
Boat repair insurance is a specialist product, and the quality of cover varies significantly between providers. A policy that doesn’t include customers’ goods in care, custody, and control, for example, could leave you exposed to a claim for a vessel worth tens of thousands of pounds.
At Stoneways Marine, we do not sell policies over an automated system. Every client speaks to a member of our team, and we take the time to understand what your business actually does before recommending cover. That matters in the marine trades, where the work is hands-on, the risks are specific, and the consequences of an uninsured claim can be significant.
Call 03333 609 886 to speak to our friendly and knowledgeable team.
frequently asked questions
Is boat repair insurance the same as regular boat insurance?
No, regular boat insurance covers a privately owned vessel against risks such as damage, theft, and third-party liability. Boat repair and maintenance insurance is a commercial product designed for businesses working on other people’s vessels. It covers your liability as a tradesperson, including the risk of damage to a customer’s boat while it is in your care, which a standard private boat policy does not cover.
Do I need public liability insurance as a boat repairer?
Public liability insurance isn’t a legal requirement, but it’s recommended for anyone operating in the marine trades. If a customer, visitor, or member of the public is injured on your premises or as a result of your work, public liability cover pays the compensation and legal costs that would otherwise come out of your business. Many marinas and boatyards will also require proof of public liability cover before allowing you to work on their site.
How much does boat repair insurance cost?
Premiums depend on the type of work you carry out, your annual turnover, whether you have employees, the value of customers’ goods typically in your possession, and your claims history.
Because these factors vary significantly between trades, we work through your requirements individually before providing a quote rather than offering a standard rate. Get in touch with us now to discuss your circumstances.
Why choose Stoneways Marine for your motorboat insurance?
At Stoneways Marine, we offer far more than just a policy number and a PDF motorboat insurance certificate; we pride ourselves on providing a personal approach to you and your boat insurance policy. This is why our valued customers continue to use our services repeatedly.
Whether you have a Beneteau, Windy, Hardy, Grand Banks, Trader, Aquastar, or any other motorboat brand, our motorboat insurance policies can be tailored to suit your individual needs.
Whether you’re impressing a group of friends with sundowners or looking to cover activities like water skiing, we’ll steer the way and let you focus on enjoying the action whilst knowing you’re in safe hands.
Ready to cast off with the right cover? Request a no-obligation quote today from our team. We’ll be in touch to ensure your prized vessel is fully covered.
Frequently asked questions
How much does motorboat insurance cost?
We’re unable to offer a set price on an insurance policy without your and your vessel’s details. However, the price for insuring a motorboat typically ranges upwards from £250, depending on the size, value, and use of the boat.
Some comparison sites advertise boat insurance “from £49”, but this usually only covers basic or third‑party boat insurance.
To find out how much your motorboat insurance will cost, you should call 03333 609 886 today.
Do I legally need motorboat insurance cover in the UK?
No, you do not need motorboat insurance by law in the UK, but it becomes as close to mandatory as you can in many situations.
While there is no UK law stating that you must obtain motorboat insurance to own or use a vessel, if you frequent inland waterways, like rivers, canals and lakes, you’ll usually require third-party liability insurance as a condition of the licence for that waterway.
Also, many marina authorities insist you show proof of third‑party insurance before you can berth or use their facilities.
Does my motorboat insurance policy cover the vehicle while on a trailer?
Your motorboat insurance may cover the boat while it’s on a trailer, but this is not automatic, and the trailer must be specifically listed in the policy wording.
Road-traffic liability cover while towing is usually covered by your car insurance, so it’s always best to check the policy wording or speak to your insurer.
Don’t fret, though. The Stoneways Marine team is here to help you. Get in touch today, and we’ll answer all your questions!