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Insuring motorboats and sportsboats
The engine decides the premium.
For sportsboats and motorboats the premium follows engine power, not hull length. Almost every brand in this class runs an outboard; and that is exactly where policies part company when a claim arrives.
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What matters for this class of boat
Record the outboard in the policy with power and serial number; otherwise hull cover pays for the hull alone after a theft.
Theft of parts including the outboard from Basis-Plus, with no requirement for an immobiliser.
Report repowering: a boat rated for 60 hp and driven with 115 hp is a different risk.
Trailer included at no extra premium in liability cover from Basis-Plus, also uncoupled and while manoeuvring.
Brands in this class
0 brandsWe write cover for every brand listed here. The insurance points apply to the whole class; brands with specific quirks have their own page, linked in the last column.