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:
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:
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:
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:
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
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:
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.
