Doing business with HK-J

Our History in 2004

Boat insurance, shipshaped around them

Our broker partners are essential to our future – that’s why we offer great products, excellent service and competitive terms to help you help your clients set sail. Plus, our experienced boat insurance crew have more than 70 years’ combined experience working with brokers across the world, and they’re looking forward to working with you.

Why trade with HK-J?

“We enjoy building close working relationships with our brokers, because great teamwork is the key to smart decisions, increased flexibility, and first-rate customer service. So if you’d like to work with a forward-thinking, experienced boat insurer like us, let’s talk.”

Paul Knox-Johnston, Sales and Marketing Manager (Marine)

To find out more, call Paul Knox-Johnston
+44 (0)1732 223 634
Or pre-apply online

Our two levels of cover

Base Layer Cover

Base Layer

This is third party cover – it protects others if they’re injured or their property is damaged on your watch.

– Cover for damage to any other vessel or property
that you are legally liable to pay

– Cover for death and injury that you are legally liable to pay

– Cover for pollution that you are legally liable to pay

– Cover for emergency medical expenses and personal accidents

– No excess deducted on this policy

All Weather Cover

All Weather

This is basically head-to-toe stuff. Covers your vessel, you and others for all sorts of things – please check your policy for the specifics.

– Cover for loss, damage, theft and third-party liability

– Agreed value policy

– Outboard Motors and tenders automatically covered up to £350 based on current market value (increases available upon request)

– Personal Belongings automatically covered up to £1000 without declaration (increases available)

– No excess on claims that arise while your vessel is on it’s mooring in a marina

– No excess deducted for loss or damage claims caused by an uninsured third party

– Emergency Medical Expenses and Personal Accident cover is provided

– 10% discount if moored in a UK marina

– Contents cover available if you permanently live onboard your vessel

– Option to add Marine Legal Protection cover

Optional extras:

Legal Expenses ~Travel Insurance (coming soon)

Please refer to our policy wordings for full terms and conditions.

Yacht Insurance

Boats we cover

Leisure craft

We insure most types of pleasure craft, from sailing yachts, motorboats, and narrowboats, to RIBs, barges and dinghies.

Commercial craft

We insure commercial marine craft, including charter angling boats, water taxis, dive boats and even small charter fleets.


Our in-house claims crew is supported by a panel of expert surveyors and loss adjusters. We also provide an out of hours emergency helpline for policyholders, so your clients are never left stranded.

Lighthouse scene HKJ