Rigid Inflatable Boat Insurance

Whatever the weather, we have you covered with our fully comprehensive RIB insurance.

Having specialised in Marine Insurance for over 195 years GJW Direct can provide you with the perfect cover for your RIB 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 RIB with us you’re in safe hands. 

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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.

Machinery Damage Cover

We cover loss or damage to the machinery and outboard motors caused by impact between the RIB and any substance including ice (but not water).

Road Transit Cover

We will cover your vessel during road transit (when requested), great for those long journeys to your favourite locations to use your RIB.

  • 0% Finance available
  • Agreed value policy
  • Third party liability £5,000,000
  • Legal protection cover
  • No excess for claims where a third party is found liable
  • Medical expenses cover
  • Personal accident cover
  • 24 hour emergency claims helpline
  • Simple online claims procedure
  • Rapid claims settlement
  • Excellent financial security
  • Friendly personal service
  • Exclusive discounts from a range of recognised marine brands via MyBoat
  • 24 hour access to all of your policies and documentation in your online account

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.
  • 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

GJW Direct launch their latest Marina Scheme offer - a FREE 1-year savvy navvy subscription 

That's right, as a thank you for joining the GJW Direct Marina Scheme, we have teamed up with savvy navvy to supercharge your navigation.

Key features of a savvy navvy subscription

  • With your savvy navvy subscription, you'll find a boatload of amazing tools to help you navigate the waves over the next year. Below we've highlighted a handful of our favourites:
  • Savvy Charts - built with the boater in mind, allowing you to access essential marine information with a user-friendly interface.
  • GPS Active Tracking - quickly view your live position whilst on the move. Enabling you to check your Course Over Ground and Speed Over Ground in a matter of seconds.
  • Weather Forecast - never misjudge the weather again with this key feature, you can find the changing wind direction and speed, instantly.
  • Route Planning - organise your day with this handy route-planner tool. You'll be able to see the best route based on a number of factors, including departure time, chart, weather, tide and boat data.
  • Not to mention so much more, including Course to Steer, Distance Measurements, Marina & Anchorage Information, plus Dedicated Customer Support. Learn more, here.
  • For eligibility and full terms and conditions please see details here

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


I hold three separate policies with GJW and needless to say I'm delighted with their very professional service and cover, along with them being very competitive on price. Many thanks to the team at GJW; Alistair


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!


I called just before closing time on Saturday and was dealt with very professionally and courteously. Debbie gave me a quote and e-mailed all the details so I could check them out at my leisure. Called back Monday morning and all done. Thanks Debbie and Sarah.


So far so good. They offered a good quote quickly when others were umming and ahhing about insuring our boat for a towage journey. These guys know what they're doing.

What does our RIB policy cover?

  • Protected No Claims Bonus

    Once you earn a 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.

  • Machinery Damage Cover

    We cover loss or damage to the machinery and outboard motors caused by impact between the RIB and any substance including ice (but not water). This includes main or auxiliary engines, electrical equipment, cables and fittings and hydraulic equipment, piping and fittings, boilers, gearboxes, outdrives and shafts.

  • Transit and Trailer Cover

    We cover your RIB (up to 30 feet in length) and trailer(if requested) for transit by road within the cruising area specified on your RIB Insurance Certificate. We do not cover your liability for the trailer while attached to a towing vehicle or as a result of an accident on the highway or public or private place. This ought to be covered by your motor insurance policy.

  • 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.

  • 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 RIB or for the defence of criminal prosecutions brought against you.

  • Third party Liability of £5,000,000

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

  • Excellent Financial Security

    You can trust in our excellent financial security as we are authorised and regulated by the Financial Conduct Authority.

  • Personal Accident Cover

    Our RIB Insurance policy covers you and any other person using your RIB with your permission for accidental bodily injury or death whilst using your RIB up to a maximum amount of £20,000 any one person.

  • 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. 

  • 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

  • Medical Expenses

    We cover you and the crew of your RIB for Medical Expenses incurred by you and/or them arising out of personal injuries caused by any of the perils covered under your RIB Insurance policy up to £1500 any one occurrence.

  • 24 Hour Emergency Claims 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.

  • 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.

Policy Documents

See below the policy documents relevant to your RIB 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 aid their target of halving preventable coastal drownings by 2024. By sharing important safety information with our customers, we've raised over £120,000.
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  • What is a RIB?

    A RIB, also known as an RHIB is a Rigid Inflatable Boat. RIBs are constructed with inflatable tubs (also known as ‘sponsons’) but also have a rigid or hard hull. They are very versatile vessels that can be used for work, commercial and leisure purposes.

  • RIB vs SIB

    RIBs are generally higher-end vessels made for higher speeds and have more space for passengers and storage. A SIB, or Soft Inflatable Boat, is used primarily for leisure, as it’s much easier to transport than a RIB which may need to be towed by a trailer. Looking for a policy for your SIB? Check out our small craft policy

  • Cover for RIB Motors and Equipment

    Whether your RIB has an outboard or inboard motor, our policy covers damage to the engine and equipment of your vessel caused by impacts, so you can cruise safely.