Boat Insurance Ireland

At Yachtsman, we offer a range of insurance options to suit every boat owner’s needs:

1. Third-Party Liability: Covers damage to other vessels, property, or injuries caused to third parties.
2. Comprehensive Cover: Includes protection for theft, fire, accidental damage, and vandalism in addition to third-party liability.
3. Personal Accident Cover: Provides financial support for injuries sustained by the insured or passengers.
4. Trailer Cover: Protects your boat while in transit on a trailer.
5. Racing Risks: For those participating in competitive events, we offer coverage tailored to racing boats.

  We ensure you get the right level of coverage for peace of mind on the water.

The cost of boat insurance varies based on several key factors, including:

• Boat Type & Value: Larger or high-value vessels typically cost more to insure.
• Usage: Boats used for leisure generally have lower premiums compared to commercial or competitive activities.
• Owner’s Experience: Experienced boat owners may qualify for discounts.
• Cruising Area: Operating in inland waters usually costs less than coastal or international waters.
• Safety Equipment: Installing safety features like GPS trackers and alarms can lower premiums.

  At Yachtsman, we work to find the most competitive boat insurance costs tailored to your specific needs

While boat insurance is not legally mandatory in Ireland, it is highly recommended for all boat owners. Additionally, some situations may require you to have insurance: 

• If you’re mooring your boat at marinas or using harbors that mandate proof of insurance. 
• When financing or leasing a boat, as lenders often require coverage. 

At Yachtsman.ie, we provide comprehensive boat insurance options to ensure you’re protected and comply with any specific requirements. 

Yes, there are specific considerations based on Irish insurance standards: 

• Boat Age: Many insurers in Ireland require a marine survey for boats older than 20 years to assess their seaworthiness. Some policies may limit coverage for older boats unless they meet strict maintenance and safety standards. 
• Owner Age: Policyholders must typically be at least 18 years old to purchase insurance. Some insurers may also require evidence of boating experience or qualifications, such as a valid Certificate of Competency or proof of training from an Irish Sailing-approved course. 

Yes, boat insurance policies in Ireland often provide options to cover trailers, though it depends on the policy terms: 

• Included Coverage: Many standard policies include trailer coverage, protecting it from damage or theft when attached to your vehicle or stored securely. 
• Optional Add-On: For policies that don't include trailer coverage by default, you can add it as an optional extra. 
• Key Considerations: Insurers in Ireland may require the trailer to be secured with an approved locking device when unattended and provide proof of ownership if stolen.