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Marine insurance
Cover for your boat. Our Marine Insurance covers Marine Cargo, Marine Hull, and Protection and Indemnity. For your pleasure boat, our Marine Hull Policy protects the hull, machinery, equipment and fittings.
Hull and machinery
Hull, machinery, equipment and fittings
7 marine perils
From perils of the sea to theft of the vessel
Third-party liability
Included in your Marine Hull policy
What your Marine Hull policy covers
Cover for loss of or damage to the hull, machinery, equipment and fittings of your pleasure boat, caused by:
Perils of the seas
Perils of the seas, rivers, lakes or other navigable waters.
Fire
Loss or damage caused by fire.
Jettison
Loss or damage from jettison.
Malicious acts
Loss or damage caused by a malicious act.
Natural events
Earthquake, volcanic eruption or lightning.
Explosions
Loss or damage caused by an explosion.
Theft of the vessel
Theft of the entire vessel.
Cover for third-party liability is also included in this policy.
Marine insurance at HSI
Cover for boats, cargo and liability
As well as Marine Hull cover for pleasure boats, we offer Marine Cargo and Protection and Indemnity insurance.
Marine Hull
For your pleasure boat: hull, machinery, equipment and fittings.
Marine Cargo
For goods you ship or import.
Protection and Indemnity
Cover for liabilities at sea.
For businesses
See Marine insurance for business for cargo cover.
How to get covered
Three simple steps from quote to cover.
3
Pay and set sail
Pay your premium and your boat is protected by HSI.
What you need
HSI to add: the documents and information customers need to apply.
HSI to add: exclusions, excess amounts, details of Marine Cargo and Protection and Indemnity cover, and marine-specific emergency contacts.
In the event of a claim or accident
After business hours, you can contact any of the following.
Breakdown services
Emergency services
Report your claim
Tell us as soon as you can. Our claims team will guide you through every step.
Notify the police. It is in your interest to notify the police whenever you are involved in any accident.
Protect your property. You must safeguard your property at all times to minimise loss or damage.
Forms and documents
Everything you need to apply for marine cover or make a claim, ready to download.
FAQs
Questions about marine insurance
Quick answers to what our customers ask most.
Still have a question?
Our team is happy to help, Monday to Friday, 08:00–15:30.
Will excess apply on my claim?
Excess applies only to certain types of insurance. It is a pre-agreed amount that you pay us when you make a claim, or that we deduct from your claim amount, depending on the type of policy.
Who can make a claim?
Only the policy owner can make a claim. Your agent or broker can also make a claim on your behalf. The claim must be reported and all requested documents submitted before HSI can process it.
How will my claim be processed?
We process claims only once you have submitted all the required documents. The documents you need depend on the type of insurance.
How long will it take to complete my claim?
If the claim is valid and all documents are in order, we will finalise your claim in an efficient and timely manner.
Other personal insurance covers
Not sure which cover you need?
Talk to an advisor. We’ll explain your options in plain language and help you choose.