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Boat (Marine) Insurance

  • Competitive policies for Guernsey’s sailing community
  • A range of cover options & insurers for yachts, motorboats, RIBs, fishing boats & dinghies
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Boat (marine) Insurance options

Whether for a motor or sailing yacht, we provide boat / marine insurance for all types of vessel.

This includes policies which are suitable for casual local sailors, cruising in the channel islands and adjacent French coast, through to those hardy souls tackling the deep blue either solo, or as part of the ARC or similar.

Our Chairman is himself a keen sailor, he has completed the ARC, and the dreaded Biscay several times – so knows the value and peace of mind an insurance policy can bring.

We use a select number of insurance providers – insurers who can and do understand the boat insurance market well and can provide a good array of policy options and extensions.

What sort of policy options are available?

We know that every client has individual demands and we ensure that the cover in place is best suited to your particular specifications. We are able to cover a wide range of vessels against any possible risk so you are shipshape and set to sail!

Discounts are available for no previous claims and RYA qualifications. In addition, usage and voyage duration plus limitations to costal waters can all make a premium more competitive.

Cover is usually provided on an ‘all-risks’ basis; which includes options for:

  • Cover for loss, damage, theft & third party liability
  • Personal Belongings and additional values available
  • Outboard motors & tender cover
  • Emergency Medical Expenses and Personal Accident cover
  • Optional racing cover for the competitive amongst you!
  • Agreed value policy (some policies)
  •  Marine Legal Protection cover (optional)

Cover is also available on a Third-Party only basis which commonly provides:

  • Cover for damage to other vessels and/or property that you are found to be legally liable for
  • Cover for death & injury that you are found to be legally liable for
  • Cover for pollution
  • Cover for emergency medical expenses and personal accidents (Some policies)
  • Since there is no ‘own damage’ cover – there is no excess on Third Party Only cover.

What types of Vessels can I insure?

  • Yachts
  • Cruisers
  • Sailing Boats
  • Fishing Boats
  • Dinghies
  • Rowing Boats
  • RIB/Inflatables
  • Speed Boats

We have a broad client base – from RIBs and small Souter motor boats through to Oysters and larger motor boats such as Princess and Sunseekers, on the books.

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What our clients say

Discover what our clients are saying on the most trusted review platforms

  • We have a  4.45 Rating on 986 Reviews

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Sarah 

This week, I ended up in hot water with my insurance due to endorsement points. I have a wedding car company so it is imperative that I have the correct insurance as I carry couples on their special day. The endorsement points became a sticking point however, Liam from CG went over and above to help me. He was empathetic to my circumstances, informative, direct and genuinely did the best he could to ensure my cars were insured and to keep business operating as usual. Liam executed a 5 star service, an unparalleled quality of service, second to none. I would highly recommend Liam and the team at CG in any case but particularly if you want a loyal, dedicated firm who will try their best to get the right outcome for you from the underwriter. Thank you again Liam. You are a credit to CG. I am truly grateful.

Posted 2 days ago

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Anthony Davies 

Jennifer Ford has given Excellent service very quick at helping out and very polite so much easier and better than stuck in a phone call que

Posted 3 days ago

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Bogdan 

Thank you Kirk Ollerenshaw ! 5 star costumer services i don’t have enough words to thank you

Posted 2 weeks ago

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Graham Marchant 

I’ve used CG since I started as a car trader. They have always been very helpful. My current main contact as regards MID alterations, is Serena Horsewell. She is very efficient and friendly and always responds within 24hrs. My initial use of CG was through Shaun, who is in charge of new business in Edinburgh. He’s always been a great source of help and advice. If you are after some friendly advice, he’s definitely the guy to ask.

Posted 3 weeks ago

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David Lessman 

Efficient and prompt response to queries. Also happy with renewal premium.

Posted 3 weeks ago

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Zak 

Serena Horsewell, is prompt even as late as 9pm on Friday she responded on policy and MID queries. Thank you for reassurance. Clegg & Gifford have been average with aftershaves generally, but a resent introduction of staff over the past few years has proven a sucess. Thanks again.

Posted 1 month ago

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Zoe 

Serena is brilliant, I work for a broker and she is amazingly responsive, friendly and beyond helpful. Serena always goes that extra mile, especially with all my MID updates - she responds quickly and is always on hand if any issues arises and solves it quickly.

Posted 1 month ago

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Henry Raffe 

Excellent company to deal with Joanne always very helpful with any problems you nay have

Posted 1 month ago

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Nick 

I have just been in touch with Serena at Cleg Gifford at gone eight in the evening and got a message back removing a car from the MUD brilliant!

Posted 2 months ago

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Anonymous 

Brilliant service thanks

Posted 2 months ago

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Anonymous 

Have been using clegg and Gifford for many years and have no issues at all, always been very good, especially Serena who is extremely helpful.

Posted 2 months ago

Why use Clegg Gifford?

  • Local office with friendly, helpful staff

    Unlike online insurers or UK-based call centres, you can pop in to speak to a human at our offices in Admiral House. Our staff are always happy to help with any enquiries you might have and guide you through the insurance-buying process. We are proud to support the local community and invest in local services for your convenience.

  • We use flexible insurers and aim to cater for unique circumstances

    Every risk is different and every person has unique circumstances to accommodate. Try us for those complicated or hard to place policies. Equally for those without insurance history, or with claims, we will strive to find a suitable policy that caters for your specific requirements.

  • You can place your commercial and personal insurance under one roof

    It’s far easier to deal with one broker for all your insurance needs. With a wide range of products available from different insurers, we can be your one-stop-shop for all your insurance needs either for yourself our wider family or your business. For instance – our family fleet policy enables you to place all of your household’s vehicles including cars, vans and bikes under one flexible policy.

  • The local factor – Guernsey expertise counts!

    One of the benefits of having been in the island for so long is that we can feedback the unique needs of islanders back to insurer partners. This counts when it comes to claims arrangements and for instance fighting for local choice on repair networks. It also means working with insurers to create flexible products such as our unique family fleet policy, which makes arranging insurance for your whole family that much less stressful – one premium, one renewal date, one policy.

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