Power Boating Inshore Travel Insurance
Cover for recreational power boating in inshore waters
Access to 24/7 emergency medical support
Quick online quotes for your trip
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What is inshore power boating?
Inshore power boating involves travelling in a motorised boat across waters close to the coast or within other recognised inshore areas. It can include recreational sightseeing, short coastal journeys and organised boat trips.
The definition of inshore waters can vary between policies. Some policies also restrict this activity to travelling as a passenger, while others may cover operating the boat. Check the applicable Policy Wording to make sure it matches your plans.
Can I get travel insurance for inshore power boating?
Yes, policies that cover recreational inshore power boating can be available through Direct Travel.
Power boating must be added when getting your quote and should appear on your Policy Certificate or policy documents. Make sure you select the inshore version and check whether your policy limits cover to passengers only.
Power boating inshore top tips:
- Add inshore power boating when getting your quote
- Check that it appears on your policy documents
- Read the Policy Wording to see whether cover is passenger-only
- Remain within the policy’s definition of inshore waters
- Follow local boating rules and the operator’s safety instructions
What can travel insurance help with?
If you’re injured while taking part in insured inshore power boating, emergency medical expenses and repatriation can be covered, subject to the terms and limits of your policy.
Depending on the policy selected, cover may also be available for cancellation, curtailment and other travel-related problems. Personal Liability is not covered while using a motorised vehicle, including a power boat. Travel insurance also does not cover loss of or damage to the boat, mechanical faults, repairs, towing or recovery costs. Check the applicable Policy Wording.
Power Boating Inshore FAQs
Does inshore power boating need to be added to my policy?
Yes. Add inshore power boating when getting your quote and check that it appears on your Policy Certificate or policy documents before taking part.
What counts as inshore power boating?
It generally means recreational power boating within 12 miles of the coast or within recognised inshore waters. Definitions can vary, so check the applicable Policy Wording for the geographical limits of your cover.
Is inshore power boating covered on a passenger-only basis?
Some policies restrict inshore power boating cover to passengers, while others may not include that restriction. Check the activity entry and conditions in the applicable Policy Wording before travelling.
Can I operate the power boat?
Only if the applicable Policy Wording does not restrict the activity to passenger-only participation. You must also meet local licensing requirements and follow the operator’s and local authority’s rules.
Does inshore cover extend to offshore power boating?
No. Offshore power boating is a separate activity and must be added to your policy if you plan to travel beyond the applicable inshore area.
Is powerboat racing covered?
No. Recreational inshore power boating does not include powerboat racing, timed events or other competitive use.
Is Personal Liability covered while power boating?
No. Personal Liability is not covered while using a motorised vehicle, including while operating or travelling in a power boat.
Is damage to the power boat covered?
No. Travel insurance does not cover loss of or damage to the boat, mechanical faults, repairs, towing or recovery costs.
Can medical expenses be covered if I am injured?
Emergency medical expenses can be covered if inshore power boating appears on your policy documents, you meet any passenger-only condition and the claim meets the policy’s terms and conditions.
Can I get cover if I have a medical condition?
Pre-existing medical conditions are considered separately from activity cover. Declare them when getting your quote, as cover is subject to medical screening and acceptance.
Cover is subject to the terms, conditions, limits and exclusions of your policy. Check whether inshore power boating is restricted to passenger-only participation in the applicable Policy Wording, and review your policy documents before taking part.
