GIO Boat Insurance is designed for owners of trailered boats who use their boat for private use only.

If you’ve added the optional 'Cover for sailing boats when racing' (available to add on to Comprehensive Boat Insurance for an additional cost), then yes you will be covered when competing in a sailing race. It provides cover when you’re racing, up to 100 nautical miles in total distance travelled. We don’t cover power boats when racing.

We don’t cover the cost of fixing a mechanical breakdown (including seizing or overheating) of your boat motor, but if you have Comprehensive cover, we will cover your boat motor if damaged as a result of fire, impact, malicious damage, sinking or grounding.

If you've added the optional 'Lay-up period' cover (available to add on to Comprehensive Boat Insurance for an additional cost), your boat will be covered for up to 6 months when not in use, for example in winter.

We cover boat contents owned by you and your family when they're on your boat or locked in a fully enclosed room, shed, garage or vehicle if you have Comprehensive Boat Insurance or have selected the option for ‘additional cover for boat contents'.

Yes. You aren't covered when your boat is exceeding 60 knots or its maximum design speed, whichever is less.