Complete Guide to Fast Fisher Boat Insurance in Ireland

Owning a fast fisher boat in Ireland is more than a hobby it’s a lifestyle. Whether you're chasing big fish off the coast or enjoying speed-driven weekends with friends, your fast fisher deserves solid insurance protection. Yet many boat owners assume their basic policy covers everything—until something goes wrong.

1. What is a Fast Fisher Boat?

Fast fishers are designed for both speed and practicality. Typically under 8 metres long and capable of speeds up to 35 knots, they’re used for sea angling, coastal cruising, and offshore fun.

Because of their dual nature—fast yet functional—they’re exposed to more risks than slower, inland boats. Insurance must reflect that.

2. Why You Need Specialised Fast Fisher Insurance

Regular boat insurance often assumes calmer waters and slower speeds. But fast fishers deal with:

• Higher speed risks
• Rougher offshore conditions
• Expensive equipment onboard
• Occasional trailering or storage movement

Without a policy tailored to fast fishers, you could be left uncovered for common scenarios like storm damage, gear theft, or trailer accidents.

3. What’s Included in a Comprehensive Fast Fisher Policy

Let’s take the example from Yachtsman Euromarine, a trusted Irish marine insurer.

Their comprehensive fast fisher policy (from €220/year) typically includes:

• Theft, fire, vandalism & accidental damage
• Storm and natural hazard protection
• Wreck removal and salvage cover
• Trailer and boat-in-transit insurance
• Cover for outboard motors & underwater machinery
• Third-party liability up to €3 million
• Personal effects cover up to €500
• Tender or dinghy cover (€500 limit)

This kind of policy goes beyond the basics and reflects real-life use cases for speedboat-style fishing vessels.

4. Optional Add-Ons That Are Worth Every Cent

Irish waters are unpredictable—and so are boating accidents. Consider these optional extras to protect yourself:

 Personal Accident Cover

If you’re injured while operating or riding on your boat, personal accident cover provides financial assistance and medical reimbursements.

 Gear & Electronics Add-Ons

Fishing gear, navigation equipment, sonar devices, and expensive rods aren’t always included. You can upgrade to cover items like:

• Fishing electronics
• Coolers & livewells
• Personal fishing tackle
• GPS/chartplotters

Environmental Damage Cover

If your boat leaks fuel or causes pollution (even accidentally), you could be fined under Irish environmental law. Environmental cover protects you legally and financially.

 No-Claims Bonus Protection

If you’ve had years of clean boating, don’t risk losing your discount over one mishap. This add-on locks in your bonus even after a claim.

5. Common Mistakes Fast Fisher Owners Make with Insurance

Here’s where things often go wrong:

Assuming Car Insurance Covers Transit

Your car insurance covers the towing vehicle—but not necessarily the boat or trailer contents. Damage during loading or transit needs its own clause.

Not Declaring Boat Modifications

Added a new outboard or upgraded electronics? If not declared, they might not be insured.

Skipping Trailer Security Requirements

Insurers often require trailers to be locked or stored in secure locations. Failing to follow these terms can void your theft cover.

6. How Much Does Fast Fisher Insurance Cost in Ireland?

Prices vary depending on boat age, speed, value, and intended usage. But typical ranges are:

• Third-party only: From €200/year
• Comprehensive cover: From €220/year
• Add-ons (e.g., personal accident, breakdown cover): Additional €30–€70/year

Compared to the cost of replacing gear or repairing your hull after an accident, insurance is a smart investment.

7. Tips to Reduce Premiums Without Losing Coverage

• Store securely: Off-season dry storage or marina slips reduce theft and storm damage risks.
• Install safety equipment: GPS trackers, fire extinguishers, and bilge alarms can lower your premium.
• Bundle policies: Some insurers offer discounts if you also insure your home or car with them.
• Limit your cruising range: Declaring local use only may reduce cost, but be honest—insurance can be invalidated if you stray outside limits.

8. When and How to Make a Claim

Fast fisher owners in Ireland often deal with claims related to theft, engine failure, or storm damage. Here’s what to do:

1. Contact your insurer immediately
2. Document the damage with photos
3. File a police report if theft or vandalism is involved
4. Get repair quotes if necessary
5. Submit a claim form with all supporting documents

Most insurers (including Yachtsman) offer 24/7 claims assistance with a straightforward process.

Final Thoughts

Fast fisher boats offer freedom, fun, and fantastic fishing—but only if they’re properly protected. Don’t rely on basic policies that treat your high-speed fishing boat like a paddle craft.

A specialised fast fisher insurance plan ensures you’re protected from bow to stern—during fishing trips, storage, transport, and even bad weather. With tailored coverage, you can focus on what matters: catching the next big one.