Pleasure Craft/Yachts

Beazley pleasure craft insurance for private owners provides comprehensive plain English cover at the forefront of the market. With an appetite stretching from small boats through to luxury yachts our all risks policy is available exclusively through brokers.

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What we offer

All risks cover
Includes £3m third party liability for owners and guests
Cover for dinghies, tenders and their outboard motors automatically included up to £4,000.*
Owner and family personal effects automatically covered up to £2,000 while on the vessel, being used in conjunction with the vessel, or in transit to the vessel.*
Personal accident cover for owner and guests up to an aggregate of £150,000
Cyber cover for loss to electronic navigation and self-steering equipment resulting from malicious code or unauthorised use
Up to 25% protected no claims discount
Multi-vessel discounts available
Cover available for vessels up to £10m in value (€10m/$10m).

* Higher limits available on request.

Our pleasure craft product is available on the myBeazley platform, which provides brokers with the ability to quote, buy and service a range of specialist insurance products for their clients at the touch of a button.

How we can help

The Pleasure Craft Policy is annually renewable and covers the insured Vessel or Craft and associated liabilities. You may need to review and update the cover periodically to ensure it remains adequate. It provides cover while the insured Vessel or Craft is in commission or while laid up, within the cruising range specified in the policy.

The Beazley Difference

Integrated risk protection package that combines several coverages in just one policy
Affirmative coverage for claims made against an insured which results in bodily injury
Deep product knowledge since we pioneered Virtual Care in 2009
Knowledgeable Underwriters, Wordings Lawyers, and Claims Managers with expertise in all key areas of coverage
Dedicated Beazley Breach Response Services, including breach response management, information security insurance solutions, and risk management services

Examples or Scenarios

High winds overnight lead to an insured vessel being struck while moored in its home marina by another yacht coming into dock. Damage is sustained to the hull as well as to a neighbouring third-party vessel. The insured contacts our claims team to report the collision. Our claims manager notifies Beazley’s in-house marine surveyor who communicates with the ship owner to ensure the vessel remains secure. The next day our surveyor flies out to assess the loss in person and reports back on the loss to the claims team, which has already been in contact with the owner of the other vessel. In acting swiftly to assess the loss, we have managed costs and assured the client that their claim is being prioritised