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Motor Cruiser Insurance

Specialist cover for your motor cruiser. Whether you are onshore or offshore, make sure you are protected with the comprehensive GJW Direct Motor Cruiser and PowerBoat Insurance. 

Having specialised in Marine Insurance for over 195 years GJW Direct can provide you with the perfect cover for your motor cruiser with instant quotes available online. Our self-service portal allows you to manage your policy online 24 hours a day, 7 days a week, 365 days a year. Alternatively, you can speak to a member of our friendly team. With a vast range of boat insurance options to suit all needs, when you insure your motor cruiser with us you’re in safe hands. 

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No Excess Third Party Claims

No Excess for Third Party Claims

No excess to pay on claims for loss or damage caused by an untraceable third party.

Agreed Value

Agreed Value

In the event of a total loss claim, we will pay the value of your vessel originally agreed upon taking out your policy.

0 Percent Finance (1)

0% Finance

GJW Direct offer interest free annual payment plans on direct debit policies over £100. With a small deposit the remaining cost can be spread over 10 interest free instalments.

  • Protected no claims bonus
  • Third party liability £5,000,000
  • Legal protection cover
  • Medical expenses cover
  • Personal accident cover
  • 24 hour emergency claims helpline
  • Simple online claims procedure
  • Rapid claims settlement
  • Excellent financial security
  • Friendly personal service
  • 24 hour access to all of your policies and documentation in your online account
  • Exclusive discounts from a range of recognised marine brands via MyBoat

Features are subject to restrictions. Please see policy wording for full details.

For more information about the features of our GJW Direct Insurance, please refer to the relevant policy document.

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Marina Features included with a GJW Direct Policy
If you keep your vessel in a marina, you are entitled to Special Endorsements as part of our Marina Scheme.
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  • 10% discount is included in your price if you moor your vessel in a recognised UK marina
  • Recoup your berthing fees if you cannot occupy your berth due to loss or damage
  • Returning home after an incident; we will pay up to £2000
  • No excess for loss or damage incurred at your home marina if caused by an unknown or untraceable third party
  • Increased legal protection cover up to £100,000
  • Increased medical expenses up to £3000
  • No excess or loss of no claims bonus if loss or damage occurs whilst under way within your home marina
  • In the event of a claim you will have the benefit of a dedicated claims handler
  • We cover the cost of replacement keys if they are lost or stolen
Our FREE digital organiser with Exclusive Discounts
MyBoat, powered by GJW Direct, is a FREE digital boat management and safety equipment reminder service. Plus GJW Direct customers get Exclusive Discounts for specially selected boating retailers.
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What GJW Direct customers think

George

1st impressions of dealing with GJW and taking out the cover on our V45 10/10. Debbie extremely helpful. Thank you for your perseverance in getting the right cover in place for us.

Al

Unfortunately in the last 10 months I have had to make 2 insurance claims - GJW on both occasions have been absolutely fantastic . I would strongly recommend this company - truly outstanding - great service and very easy to deal with - Thanks

Alison

Sarah was exceptionally helpful in arranging my boat insurance and ensured by the end of the call that I was informed, knowledgeable and pleased that I had secured the best possible cover for my needs. Thank you!

Ian

GJW have been my chosen insurance provider for 26 years and we have now insured our 8th boat with them, a Riva. They have always exceeded our expectations.

What does our Motor Cruiser policy cover?

  • No Excess For Third Party Claims

    No excess to pay on claims for loss or damage caused by an untraceable third party.

  • Agreed Value

    In the event of a total loss claim, we will pay the value of your vessel originally agreed upon taking out your policy.

  • 0% Finance

    GJW Direct offer interest free annual payment plans on direct debit policies over £100. With a small deposit the remaining cost can be spread over 10 interest free instalments.

  • Protected No Claims Bonus

    Once you earn no claims bonus it is protected. This means that you will not lose your no claims bonus if you have one claim in any one policy period. Two or more claims will result in a loss of no claims bonus.

  • Third Party Liability £5,000,000

    We cover you and any other person using your motor cruiser with your permission for legal liability to another person arising out of interest in use of your motor cruiser up to a maximum of £5,000,000.

  • Legal Protection Cover

    We cover your legal expenses up to £25,000 to pursue damages for injury or death or out of pocket expenses following damage to your motor cruiser or for the defence of criminal prosecutions brought against you.

  • Medical Expenses Cover

    We cover you and the crew of your motor cruiser for medical expenses incurred by you and/or them arising out of personal injuries caused by any of the perils covered under your Motor Cruiser Insurance up to £1,000 any one occurrence.

  • Personal Accident Cover

    Our Motor Cruiser Insurance covers you and any other person using your motor cruiser with your permission for accidental bodily injury or death whilst using your motor cruiser up to a maximum amount of £20,000 any one person and £40,000 in respect of any one event.

  • 24 Hour Emergency Claim Helpline

    Our staffed emergency claims helpline is open 24 hours a day, 365 days a year so we’re always there when you need us to offer a swift response and give sound, practical advice.

  • Rapid Claims Settlement

    Once we have received invoices and bank account details, it takes 3-5 working days to be processed through the banking system and to arrive in the recipients bank account. 

    Please note that payments being made to outside the UK may take a little longer. 

  • Excellent Financial Security

    You can trust in our Excellent Financial Security as we are authorised and regulated by the Financial Conduct Authority.

  • Friendly Personal Service

    Our specialist team who have a wealth of experience in the marine insurance industry. Talk to one our friendly team on 0151 473 8000 or get your quote online today.

  • Exclusive Discounts From a Range of Recognised Marine Brands via MyBoat

    Did you know, MyBoat members who insure with GJW Direct have access to exclusive offers and discounts from a range of recognised marine brands. Unlock your discounts today - sign up to MyBoat.

Policy Documents

See below the policy documents relevant to your Motor Cruiser cover which are available for you to download.  

Please note, your policy wording may differ from the latest version available on our website. Please refer to your online dashboard for the relevant wording for your policy.

Sponsoring the Autism On The Water Charity
We are delighted to sponsor Autism On The Water in their South Coast Adventure 2022. Find out how we are engaging our community, through sailing and charitable support.
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Partnering with the RNLI

Since 2018 we’ve partnered with the RNLI to help ‘save every one’ from preventable drowning. By sharing safety information with our customers and asking them to donate, we have raised over £120,000
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  • What is a Motor Cruiser?

    A motor cruiser is generally defined as any large, motor-driven vessel. They are generally over 10 metres long although they may be smaller. These vessels are often also called yachts, or motor yachts.

  • Motor Yacht Insurance

    Motor cruisers are also called motor yachts, as they may be a similar size to sailing yachts but primarily use one or more motor to power them, rather than a sail. Our motor cruiser policy covers motor yachts for costs such as machinery and engine failure for vessels up to 3 years old. For older vessels, you can purchase cover at an additional premium.

  • Super Yacht and Mega Yacht Insurance

    The term ‘super yacht’ is usually used to describe luxury, motor-powered vessels over 24 metres long. Megayachts tend to be any vessel that is longer than 50m. Speak to our specialist concierge team to find out more about our insurance policies for luxury vessels.