- Protected no claims bonus
- Marina Scheme Benefits (UK marina)
- Over 195 years of marine insurance experience*
- 24-hour emergency claims helpline
Motor Cruiser Insurance
What is motor cruiser insurance?
Motor cruiser insurance offers financial protection against risks such as damage, theft, or third-party liability claims arising from accidents on the water.
With a motor cruiser insurance policy through GJW Direct, you can cruise with complete peace of mind, knowing you’re prepared for the unexpected. The policy is specifically designed for motor-powered cruisers used for leisure and recreation.
Why choose us
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Marina Scheme Benefits
If you keep your vessel in a recognised UK marina, you are entitled to Special Endorsements as part of our Marina Scheme.
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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.
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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
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Salvage and Wreck removal
Cover in the event of your vessel needing to be salvaged or becoming a wreck.
What does motor cruiser insurance cover?
Motor Cruiser Insurance
- Third-party liability—cover for you and others using your motor cruiser.
- No excess for third-party claims—no excess for loss or damage caused by an untraceable third party if you're moored in a marina.
- Machinery damage & theft—covers damage as a result of stranding, sinking, fire, impact, theft, or malicious acts.
- Agreed value—we’ll pay your motor cruiser’s agreed value in the event of a total loss.
- Protected no-claims bonus—you won’t lose your no claims bonus if you have one claim in any one policy period.
- Legal protection—up to £100k legal expenses to pursue damages or defend criminal prosecutions.
- Medical expenses—for you and the crew of your motor cruiser per incident.
- Personal accident cover—for accidental injury or death.
- Wear and tear and lack of maintenance.
- The cost of repairing or replacing a latently defective part/item.
- Rot, mildew, dampness or weathering or any other gradually operating cause.
- Wilful misconduct.
- A fault in design or construction
- Defective workmanship.
- Mechanical or electrical breakdown.
- Galvanic corrosion or electrolysis unless you are able to demonstrate that sufficient anodes have been installed.
Read our important documents page for more information.
Why consider motor cruiser insurance?
Owning a motor cruiser offers unparallelled freedom, whether you’re cruising on inland waterways or exploring coastal waters. However, it also comes with risks that can quickly turn a relaxing outing into a costly ordeal.
Navigating busy waterways, docking in crowded marinas, or even a simple mishap while anchoring or refuelling can result in significant damage to your vessel or others.
Specialist motor cruiser insurance provides cover for repairs to your vessel and protects you against liability claims, allowing you to navigate with confidence and make the most of your adventures on the water.
Types of motor cruiser insurance
Motor cruiser insurance
A motor cruiser is a versatile vessel often chosen for leisure cruising on inland waterways or coastal waters. Known for their ample outdoor space and ease of operation, motor cruisers are ideal for short trips or day outings. Motor cruiser insurance through GJW Direct offers comprehensive cover tailored to the needs of motor cruiser owners.
Motor yacht insurance
Motor yachts are generally larger and more luxurious than motor cruisers and are better suited for indoor living. They’re designed for extended journeys and often come equipped with advanced navigation systems and powerful engines. GJW Direct arranges motor yacht insurance policies that protect the vessel and its onboard equipment.
See our important documents page to find out more about insuring your motor cruiser or motor yacht.
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.
Motor cruiser insurance FAQs
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There are a range of factors that influence how much you’ll pay for a motor cruiser insurance policy, such as:
- the type, value, and age of your boat
- usage and moored location
- your claims history
Get an instant online quote today to find out the cost of your motor cruiser insurance policy through GJW Direct.
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You’re not legally required to insure your motor cruiser or motor yacht. However, if you wish to join any sailing clubs or moor your boat in a marina, many require this as a prerequisite for using their facilities.
You may also want to consider motor cruiser insurance to protect yourself and your boat against unexpected accidents on the water. Get an instant online quote here.
Discover our partner discounts
As a GJW direct customer, you’ll get access to a large selection of discounts. Explore the list of brands we work with.
Cruising & equipment guides
*GJW Direct has been arranging marine insurance since 1826
