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Our enhanced boat cover is for every kind of skipper

01 February 2017

Navigators & General are as passionate about the water as you are and with more than 95 years’ marine insurance experience we understand there’s a need to ensure our propositions cater to your every evolving need. Following extensive research we’ve listened to your feedback to help shape our refreshed Yacht & Motorboat proposition. We’ve included a number of new and enhanced features, from comprehensive protection and fair, flexible cover, to the best service, expertise and support.

Here, we explain how our new, enhanced Yacht & Motorboat cover is better than ever.


Suitable, flexible cover

Our new cover is bespoke and flexible that not only reflects the broad array of vessels that make up the modern boating community, but how they are enjoyed. We have addressed this by:

  • Making underwriting decisions on a boat-by-boat basis
  • Awarding the ability to choose more comprehensive racing cover where needed, on top of standard liability cover
  • Protection for boaters who tender or dinghy away from their main vessel
  • Removing excess to pay where deemed not at fault and third party details are available
  • Rescue and repatriation regardless of liability for the customer or their guests for up to £50,000

Consistent, competitive pricing

Competitive pricing is a major priority when selecting your boat insurer, as is flexible and suitability of cover. Our new Yacht & Motorboat solution incorporates a number of features that boost our competitiveness and support by offering:

  • A maximum no claims discount of 20% awarded after four years
  • Regular reviews of pricing against the market, so we can deliver the most competitive premiums
  • Significant enhancement of our personal accident cover up to a £25,000 benefit for claims of up to £100,000 (an increase from £15,000 and £60,000 respectively)
  • Cover for liability claims worth up to £5m as standard – an increase of £2m
  • Unspecified personal property now protected by £350 cover per item, compared to £250 previously

A team that really understands

We share your passion for the water, so we understand first-hand how important it is to feel truly supported in its pursuit. In recognition of this, our comprehensive cover incorporates a number of new features that will help you to enjoy your passion,. It also gives added reassurance that we can support you if things go wrong.

These include:

  • New £50,000 cover for uninsured boaters
  • New £500 medical cover for your pets
  • Doubling our medical expenses cover, to support you if you, a friend or family member falls ill
  • Cover for electrolysis damage if the vessel has appropriate anodes
  • Liability cover for racing included as standard
  • Cover for wear and tear or deterioration on three-year-old vessels or younger, where they have been clearly maintained
  • Enhanced cover for automatic outboards generating up to 20 horse-power
  • Up to £50,000 to cover rescue and evacuation, plus a £100 donation to charity in your name
  • When the vessel is out of use or has insufficient crew for more than seven days we will cover emergency travel, repatriation and accommodation up to the value of £1,500
  • Temporary substitute yacht provided for a week, for an agreed daily amount, or a replacement vessel
  • Extra cover for your crew, endorsed by the Maritime Labour Convention, of £5,000 for repatriation and £6,000 for wages

Immediate benefits for existing customers

The good news is if you already have a yacht or motorboat policy with us you will automatically benefit from the new enhanced cover from 6 January 2017.

To find out more call us on 01273 863 420 or email us at enquiries@navandgen.co.uk

Contact us

To find out more call us on
01273 863 420
or email us at
enquiries@navandgen.co.uk