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Do I need insurance for my boat?

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You probably bought your boat for fun, and when you think of FUN, the last word that comes to your mind may be INSURANCE. But of all the money you spent, and will continue to spend on your boat, boat insurance may be the smartest rands you spend. Besides, some marinas won’t let you dock your boat unless you’ve got insurance.

Here are a few things to think about when looking for Boat Insurance:

Many marinas now require you to carry watercraft liability coverage. This coverage will protect you against any damage that you do to other people or other people’s property with your boat. The insurance should also cover you for losses due to theft, vandalism, storms, fire, capsizing, stranding, sinking, explosion, and collision.

Specify who will operate the boat that you are insuring. It is vitally important that you talk to your insurance provider about this. Some insurance policies will only cover the boat owner as the operator for the rate that was quoted. The rate increases if operators other than the actual owner operates the boat. Make sure that you clearly definite who operates the boat!

A boat safety course could save you money. Ask your insurance broker if your insurance company honours any specific boat safety courses, and make sure you take and pass the course! This could save you quite a bit on your premiums – and you need the safety course anyway! Find out what other discounts you may be eligible for as well.

Talk to your current insurance broker first. If you have your vehicles and home insured with an insurance company, you will probably get a better rate on your boat insurance from them.

Talk to us about insurance for all your watercraft. Indwe Risk Services has more than 100 years experience and we specialize in providing tailor-made insurance solutions that suit your lifestyle and your pocket. Enjoy the waters!

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