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High performance boat insurance

High performance boats need high performance insurance.

Find a Markel marine agent and get a free, no-obligation quote today.

Trust one of the leading marine insurance providers with over 45 years of experience.

For over 45 years, we’ve provided specifically tailored policies for high performance boats that offer customizable coverage, flexible payment options and a team of experienced claims specialists to help you every step of the way. Your high performance watercraft should be insured with a high performing policy that provides coverage for all your specific needs.

Why do you need high performance boat insurance?

If you have a high performance boat, you're most likely carrying some kind of insurance on it—but is it the right kind of insurance from the right kind of insurance provider?

Still not sure?

Customizable coverage to suit your boating style.

Discounts and cost-effective coverage options to save you money.

Experienced high performance boat underwriters and marine claims specialists who provide prompt, responsive service.

Flexible payment options.

Save money by customizing your high performance boat insurance

Transit and storage If your boat being refurbished, this is an option to save you money when you're not using your boat.

Actual cash value coverage (ACV) Reduce your coverage to ACV, which factors in depreciation of your high performance boat should you have to file a claim.

Mature operator discount Is the primary operator of your high performance boat 40 or over? If you answered yes, your policy qualifies for a discount.

What we offer

If your speedboat goes over 65 m.p.h., then it needs serious protection. Insurance protection, that is.

Hull and equipment insurance protection including:

Personal effects coverage For all the "extras" you physically bring on-board, like a cell phone or camera.

Emergency towing and assistance If you happen to break down, we can provide coverage for the expenses you incur to tow your boat to the boat repair shop.

Windstorm extra expense If there is a named storm, watch or warning, we will share the expense with you to help protect your high performance boat before the storm makes landfall.

Medical payments Helps pay for injuries suffered by you or any passengers during a boating accident.

Boat liability Protects you in case you are responsible for injuries to another person, or damage to their boat or their property.

Uninsured boater Unfortunately, not all boaters on the water have insurance. This coverage helps protect you and your family members if you are injured in an accident caused by an uninsured boater. Coverage is automatically included if watercraft liability is purchased.

Pollution liability Pollution coverage helps protects you if you are held legally liable due to an oil pollution leak or spill.

Frequently asked questions about high performance boat insurance

General questions

How fast is too fast to have my boat insured by Markel? Our high performance program is designed to provide coverage for newer boats over 26’ in length, capable of speeds up to 120 m.p.h.

I live where it gets cold in the winter. Do I have to call and change my lay-up dates? No, we rate typical usage based on where you live. We do not have lay-up dates, so if you have an unseasonably warm day late in the year, you are covered.

Where do I take my boat if it gets damaged? We don’t have any restrictions on where you take your boat to get a covered loss repaired.

If I have a guest on my boat that is injured, what happens? In the unfortunate event that one of your guests is injured on your high performance boat, the damages for bodily injury for which the boat owner (i.e., the insured) becomes legally liable can be covered under your policy.

If my boat is a total loss, how do I know that I will be adequately protected? We offer two different types of settlement options in the event of a covered loss:

On most total losses, your deductible is typically waived.

We also offer protection and recover coverage, which in the event of total loss of your boat, can help cover the reasonable costs incurred when you are trying to protect your boat from further loss.

How do I make a change to my policy? Contact the agent listed on your policy’s declarations page if you need to make a change to your Markel Marine insurance policy.

Can I pay my bill online? Absolutely! Visit our "My Account" page, where you can make a payment with a credit card, debit card or checking account. You can also decide if you want to make a one-time payment or set up automatic recurring payments so you never miss a payment.

Claims questions

How do I file a claim? We understand that no one wants to file a claim and do everything we can to make the process as painless as possible. You can report your high performance boat insurance claim by calling our office at +1.800.236.2453 or submit your claim online and we'll take it from there.

How long will it take for my claim to be processed? We are committed to investigating, evaluating and resolving marine insurance claims in a timely manner.

Is there anything I can do to help speed up the claim process? Yes, you can help streamline the claims and settlement process and avoid delays by providing the following information when you file your claim:

High performance boats need high performance insurance.

Find a Markel marine agent and get a free, no-obligation quote today.

Additional resources

Related articles

From boat safety tips to breaking down high performance boat insurance, find the information, advice, and resources you’ll need all in one place.

Supporter of Tres Martin’s Performance Boat School

As a world champion boat racer, Tres can elevate your skill level, and show you a new understanding and new techniques that are imperative to safe operation.

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