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Risk management for boat owners

Life on the water can be all about slowing down and enjoying the journey, but even the most peaceful trips can take an unexpected turn. From the odd bump to more serious mishaps, having the right insurance with us means you can relax, knowing that our help and support is there if things don’t quite go to plan.

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Two canal boats collide during festive activities, with one bow smashing into the other and causing visible damage.

Have you considered the risks that can crop up while boating? Our handy visual guide highlights common boating mishaps – from bumps and scrapes to grounding and collisions – and shows how simple precautions and the right insurance cover keep your time afloat stress‑free.

Sinking

Fire

Collision

Accidental damage

Please select a threat

Sinking

Every boater's worst fear, and it can happen faster than you think. A loose fitting, a hidden obstacle or a sudden leak. Insurance helps to cover recovery and repairs, so you’re not left high and dry if the worst happens.

Fire

A small spark from a stove or electrical fault can quickly cause a fire and major damage on board. With cover in place, you’ll have support to repair, replace, and get back to enjoying your time on the water.

Collision

Even the most careful skipper can clip a lock gate or bump into another boat from time to time. Our insurance helps take the sting out of repairs, so a little knock doesn’t spoil your next cruise.

Accidental damage

Scratches, scrapes, and dents, they're all part of boating life, especially on busy waterways or tight moorings. From chipped paintwork and cracked windows to damaged fittings, small knocks can add up. With the right cover in place, those little accidents don’t have to turn into big worries.

Sinking

How to minimise the risk of sinking your boat

Check fittings regularly
Loose or worn fittings can quickly let water in. Make it a habit to inspect and tighten all connections before setting off, especially after maintenance or winter storage.
Inspect hull and seals
Cracks, corrosion or damaged seals are common culprits for leaks. Walk around your boat before every trip and schedule periodic professional checks to catch issues early.
Monitor bilge pumps
A working bilge pump can be the difference between inconvenience and disaster. Test pumps frequently, keep batteries charged and consider a backup pump for added security.
Avoid hidden hazards
Submerged obstacles like rocks or debris can puncture your hull. Use up-to-date charts, follow navigation markers and maintain a steady lookout to steer clear of trouble.
Carry emergency gear
Equip your boat with bailing buckets, a waterproof torch and a manual pump. Quick access to these essentials can buy you time if water starts coming in.

Fire

How to minimise the risk of fire on your boat

Check electrical systems regularly
Faulty wiring or overloaded circuits are common fire hazards. Inspect cables and connections, and have a qualified marine electrician carry out routine checks.
Maintain stoves and heaters
Cooking appliances and heaters can spark fires if poorly maintained. Clean them often, check for leaks, and never leave them unattended while in use.
Store flammable materials safely
Keep fuel, cleaning products and spare gas canisters in well-ventilated areas away from heat sources. Use approved containers to reduce risk.
Install and test fire extinguishers
Ensure you have the right type of extinguisher for your boat and test it regularly. Position extinguishers where they’re easy to reach in an emergency.
Fit smoke and gas detectors
Early warning saves lives. Install detectors in cabins and galley areas, and check batteries frequently to keep them working.

Collision

How to minimise the risk of collision with obstacles and other boats

Plan your route carefully
Review charts and navigation guides before you set off. Knowing lock locations, narrow passages and busy areas helps you avoid surprises.
Keep a proper lookout
Stay alert for other boats, floating debris and changing conditions. Use mirrors and maintain clear sightlines to reduce blind spots.
Control your speed
Slow down near locks, moorings and congested waterways. Reduced speed gives you more time to react and minimises impact if contact occurs.
Communicate with other skippers
Use signals or radios where appropriate to make your intentions clear. Good communication prevents misunderstandings in tight spaces.
Check steering and brakes
Regularly inspect rudder, tiller and throttle controls. Well-maintained steering gear ensures you can manoeuvre quickly when needed.

Accidental damage

How to minimise the risk of accidental damage to your boat

Protect vulnerable areas
Fit fenders and rubbing strakes to shield paintwork and hull edges. These simple additions can prevent costly chips and scratches.
Check fittings and fixtures
Loose cleats, rails or windows can be damaged easily. Inspect and tighten fittings regularly to keep everything secure and reduce the risk of breakage.
Plan for busy spots
High-traffic areas like locks and marinas require extra vigilance. Anticipate congestion and manoeuvre carefully to avoid accidental bumps.
Keep an eye on the weather
Strong winds or currents can push your boat into hard surfaces. Adjust speed and mooring techniques to stay in control during challenging conditions.

Why the right cover matters

Even with the best precautions, accidents can happen—whether it’s a sudden leak, a galley fire, a bump in a lock or a scrape at the marina. The right insurance means you’re never left high and dry. From recovery and repairs to replacements, Haven Knox-Johnston gives you the confidence to enjoy life on the water, knowing help and support are there when you need them most. And if you ever do need us, our claims crew is ready to step in and get you back afloat as quickly as possible — just head over to our Claims page.

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