Sailing boat with black sails and smaller sailing boat in background.

Yacht & Sailing Boat Insurance

Get the right level of cover with our yacht & sailing boat insurance so you can enjoy cruising on your yacht or sailing boat with confidence.

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

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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
  • Third party liability £5,000,000
  • Single handed sailing
  • 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
  • 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.
Zoomed out picture of marina filled with boats
  • 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

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.
Sign up Today
Marina In Sunset

What GJW Direct customers think

Charles

A company with a good reputation in the industry. They provided a competitive premium quote which was agreed without difficulty. A first rate service from Debbie. We have had no claims on our policies since 1995 - long may it continue!

George

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

Ann

Excellent service to sort out new insurance for us. Good price, swift responses and easy signing up. They included our pontoon easily when others would not.

Frank

Remarkably helpful and knowledgeable staff who answer the phone readily. I have talked to them on a number of occasions as I plan my boat insurance needs. In general they seem to be mature, experienced people who understand their business and their industry and are happy to answer questions and explain how things work.

What does our Yacht 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 Yacht with your permission for legal liability to another person arising out of interest in use of your Yacht up to a maximum of £5,000,000.

  • Single Handed Sailing

    We include single handed sailing cover for up to 18 consecutive hours at no extra charge.

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

  • Medical Expenses Cover

    We cover you and the crew of your Yacht for Medical Expenses incurred by you and/or them arising out of personal injuries caused by any of the perils covered under your Yacht Insurance up to £1,000 any one occurrence.

  • Personal Accident Cover

    Our Yacht Insurance covers you and any other person using your Yacht with your permission for accidental bodily injury or death whilst using your Yacht 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 Yacht 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.
Find out more
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
Find Out More
  • What is a Yacht?

    A yacht, or sailing boat, is a sailing vessel that may be used for pleasure cruising or in competitive sports. It is a broad term and may also be used to describe motor-powered boats, otherwise known as motor cruisers.

  • Sailing Yacht Insurance

    GJW’s comprehensive yacht insurance policy covers sailing yachts primarily powered by sails, used for pleasure or leisure cruising. Looking for a motor yacht policy? Check out our motor cruiser page for more information.

  • Small Yacht Insurance

    Our yacht insurance covers smaller vessels too. We offer cover for a range of vessels from day boats to ocean-going yachts - get in touch with our team to find out which policy is right for you.

  • What is a Catamaran Yacht?

    A catamaran yacht, or a sailing catamaran, is a sail or motor-powered boat featuring two parallel hulls instead of the traditional one-hulled yacht design. Catamarans can be used for recreational cruising, sailing, or fishing

  • Catamaran Boat Insurance

    GJW’s yacht insurance policy covers catamaran yachts primarily powered by sails, used for recreational sailing or cruising. Looking for a motor-powered catamaran yacht policy? Check out our motor cruiser page for more information.