Cover for boats, yachts and watercraft in UAE waters.
Marine insurance in the UAE covers boats, yachts and personal watercraft against damage, theft, and third-party liability on the water. It is optional, though marinas often require liability cover before a berth. Compare the hull value insured, the cruising area, third-party liability limits, and crew and salvage cover.
The points that decide whether the cover is worth it.
Damage to the boat itself, on the agreed value or market value.
Required by many marinas before they grant a berth.
Where you are covered to sail. Going outside it can void a claim.
Removal and salvage costs, which can be large.
Boat insurance is not always legally required, but marinas usually require third-party liability cover before granting a berth, and lenders require hull cover on financed boats. It also protects an expensive asset.
Agreed value pays a fixed sum set when you buy the policy if the boat is a total loss. Market value pays what the boat is worth at the time of the claim, which is usually lower. Check which your policy uses.
Sailing outside the cruising area on the policy, using the boat for unpermitted commercial use, and poor maintenance are common reasons a claim fails. Read the policy conditions.
Sailing outside your covered area can void a claim. Compare the limits and the area.
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