Specialist Cover For Watercraft
Use of Watercraft
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What's Included
Use Of Watercraft Insurance
Owning and using a watercraft can bring a lot of enjoyment, adventure and freedom, but it can also come with risks. That's why having the right insurance in place is important, helping to provide protection and peace of mind while you're out on the water.
Country Cover Club's Use of Watercraft Insurance is designed for a range of recreational watercraft activities, including boats, kayaks, canoes, rowing boats, sailing craft and other eligible watercraft. In addition to liability protection, C³ Membership includes a range of specialist Insurance Benefits and member support services.
Watercraft insurance can provide a range of coverage options, including:
Limit of Indemnity: £12,000,000 (£12 million) in any one occurrence.
Indemnity is provided in respect of claims made against any C³ Member for compensation and costs and expenses (incurred with consent) as a result of:
- accidental bodily injury;
- accidental property damage; or
- obstruction, loss of amenities, trespass, nuisance or interference with any right of way, light, air or water:
caused by an event occurring during participation in an Insured Activity.
Limit of Indemnity: £12,000,000 (£12 million) in the aggregate.
Indemnity is provided in respect of claims made against any C³ Member for compensation and costs and expenses (incurred with consent), as a result of:
- the sale or distribution of shot or hunted game, to family, friends or local retailers in accordance with the Food Standards Agency Wild Game Guide
- the sale or distribution of collected honey, beeswax and/or other bee products to family, friends or local retailers in accordance with The Honey (England) Regulations 2015
up to a total value of £5,000 per annum and, where applicable, declared to HMRC, during the period of Membership. All game meat and honey products must be the result of recreational shooting, hunting and beekeeping activities only.
Standard Capital Benefit: £10,000
If, during the Membership period, a C³ Member suffers an accidental bodily injury whilst engaged in an Insured Activity and such activity is the sole, direct and independent cause of the injury, which occasions disablement and/or medical treatment within 12 calendar months of the accident, then we shall pay the benefits, up to £10,000, as stated in the Summary of Insurance.
Enhanced Personal Accident Insurance of £50,000 may be purchased in conjunction with any C³ Standard Membership for an additional £9.95.
Exclusive Member Benefits
Members enjoy great Benefits and Discounts from our carefully selected Insurance Partners and Trade Associates, including discounted Gundog & Pet Insurance and Private Medical Insurance. Visit the Member Benefits page to find out more.
At Country Cover Club, we offer customisable watercraft insurance policies designed to meet your specific needs. Our policies can provide coverage for a range of watercraft types, including sailboats, motorboats, jet skis, and more.
Got questions or not sure whether Country Cover Club Watercraft Insurance is right for you? Jump to the Watercraft Insurance FAQ!
Why Country Cover Club?
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- £12m Public Liability Insurance for every Member
- Travel Extensions and other optional benefits available
- Exclusive discounts and benefits for all C³ Members
- Established in 2008 – trusted by more than 12,000 Members
Comprehensive Cover
One Membership For Every Watercraft Discipline
Motorised Boat not exceeding 10 Horsepower (hp)
Navigate waters with ease. Under our Master Policy, you’re protected while using a motorised boat not exceeding 10 horsepower, whether cruising serene lakes or exploring winding rivers. This comprehensive cover safeguards against unexpected mishaps, allowing you to sail worry-free.
Hand, Oar, Paddle,
Paddle through tranquil waters with confidence. Under our Master Policy, you’re protected while using canoes, kayaks, or rowboats propelled by hand, oar, or paddle. This comprehensive cover safeguards against potential accidents and liabilities, allowing you to glide with assurance on your aquatic adventures.
Pedal, Pole
Explore waterways with confidence. Under our Master Policy, you’re protected while using pedal-powered craft or navigating with a pole, such as pedal boats or stand-up paddleboards. This comprehensive cover safeguards against unexpected mishaps, allowing you to propel your adventures with peace of mind.
Wind Powered Craft
Harness the wind’s power and set sail with confidence. Under our Master Policy, you’re protected while using sailboats, windsurfing boards, or other wind-powered craft. This comprehensive cover safeguards against potential accidents and liabilities, allowing you to set course for adventure with assurance.
Terms & Conditions
We ask all Members to read the C³ Summary of Insurance document to ensure the Insurance Benefits afforded by C³ Membership are suitable for their needs. For full terms and conditions of current Master Policies please download our Public Liability & Personal Accident Policy Wording. Premium Members should also read the Key Facts and Legal Expenses Policy Wording.
Members do not have a direct 'Insured to Insurer/Underwriter' relationship with the underwriters of C³'s Master Policies. Claims must be made through C³, using current claim procedures, and will be processed as per the terms of the policies in effect on the date of the occurrence. C³ reserves the right to add, amend or remove Membership benefits at any time, without prior notice or consultation. All Insurance Benefits are underwritten by carefully selected specialist and leading UK Insurers in the Lloyds and London market, all of whom are fully UK Authorised and FCA regulated. Full terms & conditions of Membership can be found on the Terms & Conditions page.
Join NowFrequently Asked Questions
Use of Watercraft FAQ
Our Watercraft insurance is a type of insurance policy that provides coverage for watercraft such as Motorised Boat not exceeding 10 Horsepower (hp), Hand, Oar, Paddle, Pedal, Pole Wind Powered Craft.
Watercraft insurance may cover a range of losses, including damage to the watercraft, injuries to people on the watercraft, and liability for damage caused to other boats or property. Some policies may also provide coverage for theft, vandalism, and other types of losses.
Watercraft insurance can cover a wide range of vessels, including boats, yachts, sailboats, jet skis, personal watercraft, and more. The specific types of watercraft that can be insured will depend on the insurance company and the policy options available.
Standard C³ membership only covers recreational watercraft activities. However we recognise that many of our members also use their skills part-time in a semi-professional capacity.
To make sure these members have adequate cover for any Professional Services they undertake we have negotiated a tailor-made Professional Activities Insurance extension, this includes:
£12MILLION PUBLIC LIABILITY COVER (for activities in a Professional capacity
£25,000 PROFESSIONAL INDEMNITY INSURANCE COVER
Cover can be provided for qualified watercraft instructors taking groups with an Instructor/student ratio of 1 to 4 for Juniors and 1 to 6 for Adults. Excluding all white water
What our customers say
Nick Costain - 05/25
Great people to deal with!
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Stephen Bradshaw - 12/25
Very easy to join online, and very helpful staff if you have any questions regarding joining.
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EDDIE STEVENS - 07/25
Great experience joining Country cover club, very clear policy wording, brilliant price for an all cover policy
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Dange - 06/26
The renewal process was very simple and the cover given is far better than I've managed to get in the past with other organisations
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Barry Waide - 05/26
Great service with great benefits for a fair price.
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Hugh - 08/25
An insurance with a decent level of cover is a must if you own or shoot guns of any size and I find Country cover easy to navigate to find the right level of cover required.
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Dr S Bruce MBE - 01/25
Having spent a few days looking at various sites but this particular company does tick all the boxes for me and I'm sure to recommend them to friends and family. I left a message about a query I had and I was contacted the same day, within 15 minutes actually. Sarah who I spoke with answered every question I had. Very professional but friendly, would highly recommend Country Cover Club.
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Jordan - 06/26
Simple, reliable cover for various Country Sports or shooting activities. Highly recommended.
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Jon Bowers - 09/25
Top class communication,very easy to deal with,and very friendly,professional approach to all aspects of cover.And for the proce,extremely good value for money,especially compared to the like of other shooting oriented insurance companies.Ps:I've been with these guys for several years now.
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Richard Flower - 06/26
Easy to navigate website. Reasonable prices. Simple transaction.
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