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https://www.gjwdirect.com/

html gjwdirect.com collected 2026-10-04 05:04:52 UTC 112,297 bytes, 1,632 lines download raw bytes

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18      <title>Boat Insurance | UK Boat Insurance Specialists - GJW Direct</title>
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173                    Contact
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178                    Renew
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245                                                        Boats we insure
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267                                                                    <a href="/yacht-sailing-boat-insurance/" 
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272                                                                        Yacht Insurance
273                                                                    </a>
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276                                                                    <a href="/narrowboat-insurance/" 
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281                                                                        Narrowboat Insurance
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291                                                                        Jet Ski Insurance
292                                                                    </a>
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300                                                                        Dinghy Insurance
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310                                                                        RIB Insurance
311                                                                    </a>
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314                                                                    <a href="/sib-insurance/" 
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319                                                                        SIB Insurance
320                                                                    </a>
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322                                                                <li class="mb-2 main-menu-sub-item">
323                                                                    <a href="/speedboat-insurance/" 
324                                                                    class="text-primary hover:text-primary transition duration-300 ease-in-out flex items-center text-[15px] hover:text-white">
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328                                                                        Speedboat Insurance
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330                                                                </li>
331                                                                <li class="mb-2 main-menu-sub-item">
332                                                                    <a href="/motor-cruiser-insurance/" 
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335                                                                            <path d="M10 2.586 11.414 4 6 9.414.586 4 2 2.586l4 4z" />
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337                                                                        Motor Cruiser Insurance
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346                                                                        Canoe &amp; Kayak Insurance
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349                                                                <li class="mb-2 main-menu-sub-item">
350                                                                    <a href="/rowing-boat-insurance/" 
351                                                                    class="text-primary hover:text-primary transition duration-300 ease-in-out flex items-center text-[15px] hover:text-white">
352                                                                        <svg class="fill-primary -rotate-90 mr-2" xmlns="http://www.w3.org/2000/svg" width="12" height="12">
353                                                                            <path d="M10 2.586 11.414 4 6 9.414.586 4 2 2.586l4 4z" />
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355                                                                        Rowing Boat Insurance
356                                                                    </a>
357                                                                </li>
358                                                                <li class="mb-2 main-menu-sub-item">
359                                                                    <a href="/sup-insurance/" 
360                                                                    class="text-primary hover:text-primary transition duration-300 ease-in-out flex items-center text-[15px] hover:text-white">
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364                                                                        SUP Insurance
365                                                                    </a>
366                                                                </li>
367                                                                <li class="mb-2 main-menu-sub-item">
368                                                                    <a href="/small-boat-insurance/" 
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371                                                                            <path d="M10 2.586 11.414 4 6 9.414.586 4 2 2.586l4 4z" />
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373                                                                        Small boat insurance
374                                                                    </a>
375                                                                </li>
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385                                                    <span class="flex-grow">
386                                                        Our cover
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556                                                                        How to claim
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565                                                                        Refer a friend
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572                                                    <div class="card-item mt-6 inline-block bg-[#434343] py-3 px-6 rounded">
573                                                        <h4 class="card-title text-primary font-bold mb-4 relative text-[16px]">Boat news and advice </h4>
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581                                                                                Blog
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768<li><span class="tickbox">200 years arranging marine insurance*</span></li>
769<li><span class="tickbox">Discounts with our partner brands</span></li>
770</ul>
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825                <h2><span class="darkblue-text">Why choose GJW Direct for boat insurance?</span></h2>
826<p><span class="darkblue-text">GJW Direct offers specialist boat insurance for boat owners, supported by a UK‑based customer service team and over <a href="/gjw-200-years/" title="GJW 200 years">200 years of marine insurance experience</a>*. Awarded Best Specialist Insurance Provider 2025 at the Insurance Choice Awards, and rated 'Excellent' on Trustpilot, we’re a trusted name in boat insurance and proud partners of the <a href="/rnli/" title="RNLI">RNLI</a> and a member of <a rel="noopener" href="https://www.britishmarine.co.uk/" target="_blank">British Marine</a>. GJW Direct customers also get access to&nbsp;<a href="/discounts/" title="Discounts">discounts</a> through our partner brands, combining expert cover, recognised service, and real value on and off the water.</span></p>
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847                            <h2 class="text-center mb-2 mt-4 text-[color:var(--title)] text-lg font-bold">Marina Scheme Benefits</h2>
848                            <div class="text-[color:var(--mainTitle)] text-center"><p style="text-align: center;" class="MsoNormal">If you keep your vessel in a recognised UK marina, you are entitled to Special Endorsements as part of our <span class="blue-hyperlink"><a href="/marina-scheme/" title="Marina Scheme">Marina Scheme</a>.&nbsp;</span></p></div>
849                    </li>
850                    <li class="relative px-8 py-6 m-0 bg-[color:var(--uspBG)]  mb-9 md:mb-6">
851                                <img src="/media/fawmk5w3/instant-cover-2x.webp" class="absolute left-1/2 transform -translate-x-1/2 -top-12 m-auto max-w-[100px]" alt="instant cover tick icon" />
852                                <div class="py-6"></div>
853                            <h2 class="text-center mb-2 mt-4 text-[color:var(--title)] text-lg font-bold">Instant cover &amp; access to policy documents</h2>
854                            <div class="text-[color:var(--mainTitle)] text-center"><p class="MsoNormal">When taking out a policy, you can choose to be instantly covered &amp; get access to your policy documents.</p></div>
855                    </li>
856            </ul>
857        </div>
858    </div>
859
860
861<div class="bg-lightgrey p-8">
862
863<h2 style="text-align: center;"><span class="black-text">Specialist Boat Insurance</span></h2>
864<p style="text-align: center;">GJW Direct has been arranging marine insurance since 1826, so you can be confident you are dealing with boat insurance specialists.</p>
865<p style="text-align: center;">Find out more about specific boat insurance policies and get a quick quote below.&nbsp;</p>
866  <div x-data="boatData()" class="max-w-screen-md mx-auto p-0 mt-8">
867      <div class="grid grid-cols-2 md:grid-cols-3 gap-6">
868          <!-- Loop through the boat items -->
869          <template x-for="(boat, index) in boats" :key="index">
870            
871                <div 
872                    x-data="{ isHovered: false, isClicked: false }"
873                    x-init="$watch('activeIndex', value => { 
874                        isHovered = (value === index); 
875                        isClicked = (value === index); 
876                    })"
877                    x-on:mouseenter="if (enableHover) { activeIndex = index; isHovered = true; }"
878                    x-on:mouseleave="if (enableHover) { activeIndex = null; isHovered = false; }"
879                    class="relative group bg-white rounded-lg overflow-hidden p-4 flex flex-col"
880                    :class="{
881                        'hover-trigger': enableHover
882                    }"
883                    x-on:mouseenter="if(enableHover) isHovered = true"
884                    x-on:mouseleave="if(enableHover) isHovered = false">
885
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887                        <div x-on:click="activeIndex = activeIndex === index ? null : index" class="absolute top-[10px] right-[10px] md:hidden">
888                            <svg width="30" height="30" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
889                                <circle cx="12" cy="12" r="10" fill="#4ebcc2"/>
890                                <path d="M12 10.5a1 1 0 100-2 1 1 0 000 2zm1 6.5h-2v-5h2v5z" fill="#ffffff"/>
891                            </svg>
892                        </div>
893
894                        <!-- Boat Image and Title -->
895                         <a :href="`${'https://quote.gjwdirect.com/#/your-cover/boat-information?boat-type='}${boat.url}`" class="block updateUrl">
896                             <img :src="boat.src" :alt="boat.title" class="m-auto" alt="Boat Image">
897                         </a>
898                        <p class="text-center text-sm max-w-[170px] m-auto mb-0" x-text="boat.title"></p>
899
900                        <!-- Hover/Touch Overlay -->
901                        <div x-show="isHovered" class="p-4 absolute inset-0 bg-darkblue flex flex-col z-10 transition-opacity duration-300 opacity-100 pointer-events-auto">
902                            <a :href="`${'https://quote.gjwdirect.com/#/your-cover/boat-information?boat-type='}${boat.url}`" class="updateUrl text-white block text-center mb-2 bg-primary border border-darkblue border-2 rounded-[30px] py-4 px-6 lg:px-8 max-w-[260px] m-auto hover:bg-darkerblue">
903                                Get a quote
904                            </a>
905                            <a :href="`/${boat.webUrl}`" x-show="boat.webUrl !== '#'" target="_blank" class="text-white block text-center mb-2 bg-darkblue border border-2 border-primary rounded-[30px] py-3 px-6 lg:px-8 max-w-[260px] m-auto hover:bg-primary">
906                                More info
907                            </a>
908                            <p class="text-white text-center text-sm max-w-[170px] m-auto mt-auto mb-0" x-text="boat.title"></p>
909                        </div>
910                    </div>          
911          
912          </template>
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916
917<script>
918    function boatData() {
919        return {
920            activeIndex: null, // Tracks which boat's overlay is active
921            enableHover: window.innerWidth >= 1024,
922            boats: [
923                { src: '/assets/boats/yac.svg', title: 'Yacht & Sailing Boat', url: 'YachtAndSailingBoat', webUrl: 'yacht-sailing-boat-insurance/' },
924                { src: '/assets/boats/mc.svg', title: 'Motor Cruiser', url: 'MotorCruiser', webUrl: 'motor-cruiser-insurance/' },
925                { src: '/assets/boats/nar.svg', title: 'Narrowboat, Barge & Houseboat', url: 'NarrowboatBargeAndHouseboat', webUrl: 'narrowboat-insurance/' },
926                { src: '/assets/boats/spe.svg', title: 'SpeedBoat', url: 'RIB', webUrl: 'speedboat-insurance/' },
927                { src: '/assets/boats/rib.svg', title: 'RIB', url: 'RIB', webUrl: 'rib-insurance/' },
928                { src: '/assets/boats/din.svg', title: 'Dinghy', url: 'Dinghy', webUrl: 'dinghy-insurance/' },
929                { src: '/assets/boats/jet.svg', title: 'Personal Watercraft & Jetski', url: 'PersonalWatercraftAndJetski', webUrl: 'jet-ski-insurance/' },
930                { src: '/assets/boats/sups.svg', title: 'SUPs', url: 'CanoeeFoilRowingBoatSUPAndWindsurfer', webUrl: 'sup-insurance/' },
931                { src: '/assets/boats/can.svg', title: 'Small Craft', url: 'CanoeeFoilRowingBoatSUPAndWindsurfer', webUrl: 'canoe-kayak-insurance/' },
932            ]
933        };
934    }
935</script>
935
936
937
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941                    <h2 style="text-align: center;">What does boat insurance cover?</h2>
942                </div>
943
944            <div x-data="carousel()" class="relative">
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947                                <div class="flex-1 mb-6">
948                                    <h3 class="p-6 mb-0 text-xxl rounded-t-xl bg-custom-gradient text-white">Boat insurance</h3>
949
950                                        <div class="accordion">
951                                                <div :class="isExpanded ? 'bg-[#FFF]' : 'bg-[#F7F7F7]'" class="relative p-4 md:px-6 md:py-4 m-0 border-2 border-t-0" x-data="{ isExpanded: true }">
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953                                                        <h4 class="font-bold text-[color:var(--text)] mb-0 text-sm md:text-md">What's covered</h4>
954                                                        <svg xmlns="http://www.w3.org/2000/svg" :class="isExpanded ? 'rotate-180' : 'rotate-0'" class="flex-shrink-0 transition-transform duration-200 fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="40" height="40" viewBox="0 0 24 24">
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961                                                        <div class="p-4 pl-0 [&>p]:text-sm md:[&>p]:text-base [&>p]:text-[color:var(--mainTitle)] max-w-[90%]">
962                                                            <p>While your policy will depend on the type of boat you’re insuring, boat insurance policies typically cover:</p>
963<ul>
964<li><span class="tickbox">Third-party liability claims.</span></li>
965<li><span class="tickbox">No excess for third-party claims for loss or damage.</span></li>
966<li><span class="tickbox">Boat's agreed value in the event of a total loss.</span></li>
967<li><span class="tickbox">Machinery damage and theft.</span></li>
968</ul>
969<p><br>Additionally, depending on the type of vessel, policies may cover medical expenses, legal protection, and personal accident cover.</p>
970<p>For more information on specific cover details, visit the page for the boat you want to cover, where you can find the product information document for each boat type.</p>
971                                                        </div>
972                                                    </div>
973                                                </div>
974                                                <div :class="isExpanded ? 'bg-[#FFF]' : 'bg-[#F7F7F7]'" class="relative p-4 md:px-6 md:py-4 m-0 border-2 border-t-0" x-data="{ isExpanded: false }">
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976                                                        <h4 class="font-bold text-[color:var(--text)] mb-0 text-sm md:text-md">What's not covered</h4>
977                                                        <svg xmlns="http://www.w3.org/2000/svg" :class="isExpanded ? 'rotate-180' : 'rotate-0'" class="flex-shrink-0 transition-transform duration-200 fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="40" height="40" viewBox="0 0 24 24">
978                                                            <circle cx="12" cy="12" r="10" stroke="#85888B" stroke-width="1" fill="none" />
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980                                                        </svg>
981                                                    </button>
982
983                                                    <div x-cloak x-show="isExpanded" x-collapse class="content p-0 w-full mb-0">
984                                                        <div class="p-4 pl-0 [&>p]:text-sm md:[&>p]:text-base [&>p]:text-[color:var(--mainTitle)] max-w-[90%]">
985                                                            <p>There are several standard details that a boat insurance policy through GJW won’t cover, including:</p>
986<ul>
987<li><span class="cross">Wear and tear and lack of maintenance.</span></li>
988<li><span class="cross">The cost of repairing or replacing a latently defective part/item.  </span></li>
989<li><span class="cross">A fault in design or construction.</span></li>
990<li><span class="cross">Defective workmanship.</span></li>
991<li><span class="cross">Wilful misconduct and your own deliberate acts.</span></li>
992<li><span class="cross">Mechanical or electrical breakdown.</span></li>
993<li><span class="cross">Theft of any item that does not meet the security requirements listed in the product information document. </span></li>
994</ul>
995<p><br>To see the full list of what boat insurance does not cover, visit the page for the boat type you want to cover, and read the product information document. </p>
996                                                        </div>
997                                                    </div>
998                                                </div>
999                                        </div>
1000                                </div>
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1044
1045
1046        </div>
1047    </div>
1048
1049    <section class="expert-block px-4 py-8 md:py-10">
1050        <div class="mx-auto max-w-screen-md overflow-hidden rounded-[10px] bg-white shadow-lg">
1051                <div class="content bg-lightgrey px-6 py-6 text-left md:px-8 md:py-8 [&>h2]:mb-4 [&>h2]:text-center [&>h2]:text-[30px] [&>h2]:leading-[1.2] md:[&>h2]:text-[37px] [&>h3]:mb-4 [&>h3]:text-center [&>h3]:text-[30px] [&>h3]:leading-[1.2] md:[&>h3]:text-[37px] [&>p]:mb-4 [&>p]:text-base [&>p]:leading-normal md:[&>p]:text-md [&_a]:text-darkgrey [&_a]:underline [&_a:hover]:no-underline">
1052                    <h3 style="text-align: left;">Meet our boat insurance expert</h3>
1053<p style="text-align: left;">"In 2025, 46% of claims made through GJW Direct were due to damage, with many linked to heavy weather and storms. If you store your boat in a marina, ensure your vessel and everything on board are properly secured.</p>
1054<p style="text-align: left;">"For small boats or PWCs, they must be taken out of the water when not in use, and placed in a secure, locked storage which gives you the best chance of a successful claim should the unexpected happen. PWC's can be kept on a versa dock in a marina.</p>
1055<p style="text-align: left;">"If your usual storage location or marina changes, please let us know as soon as possible, as this may affect your premium."</p>
1056                </div>
1057
1058                <div class="flex flex-col gap-6 px-6 py-6 md:flex-row md:items-center md:justify-between md:px-8 md:py-7">
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1060                            <img src="/media/adunbs2t/karen-wallis.jpg"
1061                                 alt="Karen Wallis"
1062                                 width="100"
1063                                 height="100"
1064                                 loading="lazy"
1065                                 decoding="async"
1066                                 class="h-[100px] w-[100px] shrink-0 rounded-full object-cover" />
1067
1068                            <div class="min-w-0 break-words text-center sm:text-left">
1069                                    <p class="mb-1 text-md font-medium text-darkgrey">Karen Wallis</p>
1070                                    <p class="m-0 text-base text-darkgrey">Underwriter and Team Leader</p>
1071                            </div>
1072                    </div>
1073
1074                        <a href="/our-experts/karen-wallis/"
1075                           class="inline-flex shrink-0 self-center justify-center rounded-[35px] bg-custom-gradient px-8 py-4 text-center text-base font-medium text-white no-underline focus-visible:outline focus-visible:outline-2 focus-visible:outline-offset-4 focus-visible:outline-black">
1076                            Check out profile
1077                        </a>
1078                </div>
1079        </div>
1080    </section>
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1091    >
1092        <div class="px-8 py-8 flex flex-col justify-center md:mt-0 hideBgImageOrNot " style="background-image: url('/media/roaft02z/200year_web_block_resize.webp'); background-size: cover; background-position: top center; background-repeat: no-repeat; min-height:400;">
1093            <div class="sr-only">boat insurance image sailing on sea</div>
1094        </div>
1095
1096    <div class="customWidth px-8 py-8 flex flex-col justify-center md:flex md:flex-wrap md:content-center">
1097        <h2 style="text-align: center;"><span class="blue-text">Boat insurance specialists for 200 years&nbsp;</span></h2>
1098<p>Whatever type of boat you own, boat insurance is an important consideration when it comes to helping financially protect your boat and you. GJW Direct have <a href="/gjw-200-years/" title="GJW 200 years">200 years of marine insurance experience</a>, tracing back to 1826. With such an extensive history in boat insurance, you get direct access to specialists who understand boat insurance. </p>
1099    </div>
1100  </div>
1101
1102<div class="content m-auto grid md:grid-flow-col md:grid-cols-minmax max-w-screen-xl block-bcfb359f-3cd4-4a00-8124-a858f4f9cfa4 mt-0 py-8 bg-white"
1103    >
1104        <div class="px-8 py-8 flex flex-col justify-center md:mt-0 hideBgImageOrNot order-1" style="background-image: url('/media/qtposlqz/15329-side-about-1.webp'); background-size: cover; background-position: top center; background-repeat: no-repeat; min-height:350;">
1105            <div class="sr-only">boat insurance image in ocean</div>
1106        </div>
1107
1108    <div class="customWidth px-8 py-8 flex flex-col justify-center md:flex md:flex-wrap md:content-center">
1109        <h3><span class="blue-text">How much does boat insurance cost?</span></h3>
1110<p>
1110How much your boat insurance policy will cost varies depending on several factors, including:</p>
1111<ul>
1112<li>the boat’s type and value</li>
1113<li>your intended use of the boat</li>
1114<li>the type of cover you select</li>
1115<li>your mooring location</li>
1116<li>your claims history and/or your no claims bonus</li>
1117</ul>
1118<p>On average, GJW Direct customers pay <strong>£75 for small craft insurance, £342 for jet ski insurance, </strong>to<strong> £624 for motor cruiser insurance**</strong>. To find out the average customers paid per boat type, visit the relevant page for your boat type.</p>
1119<p>Depending on your boat type, you could also get marina scheme benefits or a protected no claims bonus (eligible boat types include yacht, narrowboat, RIB, speedboat and motor cruiser).</p>
1120<p>The best way to find out how much boat insurance will cost is to get an instant online quote through GJW Direct now. &nbsp;</p>
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1136
1137
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1148
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1161    >
1162        <div class="px-8 py-8 flex flex-col justify-center md:mt-0 hideBgImageOrNot " style="background-image: url('/media/qfdbjhb1/15387_rnli_sideimage3-1.webp'); background-size: cover; background-position: top center; background-repeat: no-repeat; min-height:350;">
1163            <div class="sr-only">rnli lifeboat image</div>
1164        </div>
1165
1166    <div class="customWidth px-8 py-8 flex flex-col justify-center bg-teal px-6 md:flex md:flex-wrap md:content-center">
1167        <h3 class="m-background_cta__heading"><span class="white-text">Partnering with the RNLI</span></h3>
1168<div class="m-background_cta__summary"><span class="white-text">Since 2018, we've partnered with the RNLI to aid their target of halving preventable coastal drownings by 2024. By sharing important safety information with our customers, we've raised over £258,000.</span></div>
1169<p>&nbsp;</p>
1170
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1185
1186
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1189        Learn about the RNLI
1190        <span class="relative left-[5px] top-[5px] text-primary">
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1210    >
1211
1212    <div class="customWidth ">
1213        <h2 style="text-align: center;"><span class="blue-text">Why should I consider boat insurance?&nbsp;</span></h2>
1214<p>Boat insurance helps to provide financial protection against the risks of theft, accidental damage or loss, but there are several other reasons you may want to consider boat insurance, including:</p>
1215<ul>
1216<li><span class="tickbox">If you want to use canals or waterways managed by the Canal &amp; River Trust, boat insurance becomes a mandatory requirement</span></li>
1217<li><span class="tickbox">If your boat is financed or leased, lenders often require valid proof of insurance</span></li>
1218<li><span class="tickbox">If you want to moor or launch your boat in a UK marina or harbour, or join a boating club, many require proof of at least third-party insurance</span></li>
1219<li><span class="tickbox">If you want to take part in racing, or boat near others, it can protect you, your boat and other people and their boats should a third-party claim be raised against you</span></li>
1220<li><span class="tickbox">Protection against the impact of severe weather</span></li>
1221</ul>
1222    </div>
1223  </div>
1224
1225    <style>
1226        .block-f79bef12-bc0f-4200-b130-9281cba85123 {
1227            --text: #333;
1228            --mainTitle: #333;
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1230    </style>
1231
1232
1233        <div class="w-full m-0 bg-white block-f79bef12-bc0f-4200-b130-9281cba85123 py-8 mt-negative40">
1234            <div class="max-w-screen-xl m-auto">
1235                <div class="p-6 bg-custom-gradient text-white text-xxl rounded-t-xl font-bold">Boat insurance FAQs</div>
1236                <ul class="p-0 m-0">
1237                    <li :class="isExpanded ? 'bg-[#FFF]' : 'bg-[#F7F7F7]'" class="relative p-4 md:px-6 md:py-4 m-0 border-b" x-data="{ isExpanded: false }">
1238                    <button class="flex flex-nowrap text-left justify-between items-center align-center w-full" @click="isExpanded = ! isExpanded">
1239                       <h3 class="text-left m-0 p-0 text-[color:var(--text)] text-sm md:text-md font-bold">What is boat insurance?</h3>
1240                        <svg xmlns="http://www.w3.org/2000/svg" :class="isExpanded ? 'rotate-180' : 'rotate-0'" class="flex-shrink-0 transition-transform duration-200 fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="40" height="40" viewBox="0 0 24 24">
1241                            <circle cx="12" cy="12" r="10" stroke="#85888B" stroke-width="1" fill="none" />
1242                            <path d="M8 10l4 4 4-4" stroke="#85888B" stroke-width="1" fill="none" />
1243                        </svg>
1244                    </button>
1245                    <div x-cloak x-show="isExpanded" role="region" x-collapse class="content p-0">
1246                        <div class="p-4 pl-0 [&>p]:text-sm md:[&>p]:text-base [&>p]:text-[color:var(--mainTitle)] max-w-[90%] md:max-w-[70%]">
1247                            <p style="margin-bottom: 0cm; line-height: normal;" class="MsoNormal">Boat insurance is protection for you and your boat against the risks of using your boat on inland waterways or the sea. Boat insurance can cover theft, loss or damage plus third-party claims if you accidentally injure someone or damage their property while operating your boat.</p>
1248                        </div>
1249                    </div>
1250                </li>
1251                    <li :class="isExpanded ? 'bg-[#FFF]' : 'bg-[#F7F7F7]'" class="relative p-4 md:px-6 md:py-4 m-0 border-b" x-data="{ isExpanded: false }">
1252                    <button class="flex flex-nowrap text-left justify-between items-center align-center w-full" @click="isExpanded = ! isExpanded">
1253                       <h3 class="text-left m-0 p-0 text-[color:var(--text)] text-sm md:text-md font-bold">Is boat insurance a legal requirement in the UK?</h3>
1254                        <svg xmlns="http://www.w3.org/2000/svg" :class="isExpanded ? 'rotate-180' : 'rotate-0'" class="flex-shrink-0 transition-transform duration-200 fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="40" height="40" viewBox="0 0 24 24">
1255                            <circle cx="12" cy="12" r="10" stroke="#85888B" stroke-width="1" fill="none" />
1256                            <path d="M8 10l4 4 4-4" stroke="#85888B" stroke-width="1" fill="none" />
1257                        </svg>
1258                    </button>
1259                    <div x-cloak x-show="isExpanded" role="region" x-collapse class="content p-0">
1260                        <div class="p-4 pl-0 [&>p]:text-sm md:[&>p]:text-base [&>p]:text-[color:var(--mainTitle)] max-w-[90%] md:max-w-[70%]">
1261                            <p style="margin-bottom: 0cm; line-height: normal;" class="MsoNormal">Boat insurance is not a legal requirement in the UK however many marinas and boating clubs will require proof of third-party boat insurance to access their facilities or become a member. &nbsp;<br><br>Third-party insurance is often the minimum level of insurance required by Marinas, Harbours and UK inland waterways for you to access their facilities or waters, so it is an important consideration.</p>
1262<p style="margin-bottom: 0cm; line-height: normal;" class="MsoNormal">Visit the&nbsp;<a rel="noopener" href="https://www.gov.uk/owning-a-boat/insurance" target="_blank">gov.uk </a>website for more information.</p>
1263                        </div>
1264                    </div>
1265                </li>
1266                    <li :class="isExpanded ? 'bg-[#FFF]' : 'bg-[#F7F7F7]'" class="relative p-4 md:px-6 md:py-4 m-0 border-b" x-data="{ isExpanded: false }">
1267                    <button class="flex flex-nowrap text-left justify-between items-center align-center w-full" @click="isExpanded = ! isExpanded">
1268                       <h3 class="text-left m-0 p-0 text-[color:var(--text)] text-sm md:text-md font-bold">What is third-party boat insurance?</h3>
1269                        <svg xmlns="http://www.w3.org/2000/svg" :class="isExpanded ? 'rotate-180' : 'rotate-0'" class="flex-shrink-0 transition-transform duration-200 fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="40" height="40" viewBox="0 0 24 24">
1270                            <circle cx="12" cy="12" r="10" stroke="#85888B" stroke-width="1" fill="none" />
1271                            <path d="M8 10l4 4 4-4" stroke="#85888B" stroke-width="1" fill="none" />
1272                        </svg>
1273                    </button>
1274                    <div x-cloak x-show="isExpanded" role="region" x-collapse class="content p-0">
1275                        <div class="p-4 pl-0 [&>p]:text-sm md:[&>p]:text-base [&>p]:text-[color:var(--mainTitle)] max-w-[90%] md:max-w-[70%]">
1276                            <p style="margin-bottom: 0cm; line-height: normal;" class="MsoNormal">Third-party liability boat insurance protects you against any claims made against you if you accidentally injure another person or damage another person’s boat or property while operating your boat.&nbsp;</p>
1277<p style="margin-bottom: 0cm; line-height: normal;" class="MsoNormal"><br>For example, if you accidentally damage another boat whilst manoeuvring in a marina, third-party liability insurance would help cover the legal costs if you were deemed responsible for the incident.&nbsp;</p>
1278                        </div>
1279                    </div>
1280                </li>
1281                    <li :class="isExpanded ? 'bg-[#FFF]' : 'bg-[#F7F7F7]'" class="relative p-4 md:px-6 md:py-4 m-0 border-b" x-data="{ isExpanded: false }">
1282                    <button class="flex flex-nowrap text-left justify-between items-center align-center w-full" @click="isExpanded = ! isExpanded">
1283                       <h3 class="text-left m-0 p-0 text-[color:var(--text)] text-sm md:text-md font-bold">When is boat insurance mandatory in the UK?</h3>
1284                        <svg xmlns="http://www.w3.org/2000/svg" :class="isExpanded ? 'rotate-180' : 'rotate-0'" class="flex-shrink-0 transition-transform duration-200 fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="40" height="40" viewBox="0 0 24 24">
1285                            <circle cx="12" cy="12" r="10" stroke="#85888B" stroke-width="1" fill="none" />
1286                            <path d="M8 10l4 4 4-4" stroke="#85888B" stroke-width="1" fill="none" />
1287                        </svg>
1288                    </button>
1289                    <div x-cloak x-show="isExpanded" role="region" x-collapse class="content p-0">
1290                        <div class="p-4 pl-0 [&>p]:text-sm md:[&>p]:text-base [&>p]:text-[color:var(--mainTitle)] max-w-[90%] md:max-w-[70%]">
1291                            <p>
1291Boat insurance is a requirement if you use canals or waterways managed by the <a rel="noopener" href="https://canalrivertrust.org.uk/" target="_blank">Canal &amp; River Trust</a>. Many marinas and harbours also require proof of insurance for you to launch or moor there.</p>
1292                        </div>
1293                    </div>
1294                </li>
1295                    <li :class="isExpanded ? 'bg-[#FFF]' : 'bg-[#F7F7F7]'" class="relative p-4 md:px-6 md:py-4 m-0 border-b" x-data="{ isExpanded: false }">
1296                    <button class="flex flex-nowrap text-left justify-between items-center align-center w-full" @click="isExpanded = ! isExpanded">
1297                       <h3 class="text-left m-0 p-0 text-[color:var(--text)] text-sm md:text-md font-bold">Am I insured to use my boat abroad?</h3>
1298                        <svg xmlns="http://www.w3.org/2000/svg" :class="isExpanded ? 'rotate-180' : 'rotate-0'" class="flex-shrink-0 transition-transform duration-200 fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="40" height="40" viewBox="0 0 24 24">
1299                            <circle cx="12" cy="12" r="10" stroke="#85888B" stroke-width="1" fill="none" />
1300                            <path d="M8 10l4 4 4-4" stroke="#85888B" stroke-width="1" fill="none" />
1301                        </svg>
1302                    </button>
1303                    <div x-cloak x-show="isExpanded" role="region" x-collapse class="content p-0">
1304                        <div class="p-4 pl-0 [&>p]:text-sm md:[&>p]:text-base [&>p]:text-[color:var(--mainTitle)] max-w-[90%] md:max-w-[70%]">
1305                            <p>Yes, through GJW Direct, you could get financial cover for you and your boat in the UK and Europe for up to 30 day per trip, depending on your boat type. Some boat types also provide insurance whilst the boat is in transit. For more information on where you can use your boat, visit the page of your boat type or visit our important documents. </p>
1306<p>For more information, explore the page of the boat type you want to insure, or visit the <a href="/important-documents/" title="Important documents">Important Documents</a> page.</p>
1307                        </div>
1308                    </div>
1309                </li>
1310                    <li :class="isExpanded ? 'bg-[#FFF]' : 'bg-[#F7F7F7]'" class="relative p-4 md:px-6 md:py-4 m-0 border-b" x-data="{ isExpanded: false }">
1311                    <button class="flex flex-nowrap text-left justify-between items-center align-center w-full" @click="isExpanded = ! isExpanded">
1312                       <h3 class="text-left m-0 p-0 text-[color:var(--text)] text-sm md:text-md font-bold">How can I make my boat insurance cheaper?</h3>
1313                        <svg xmlns="http://www.w3.org/2000/svg" :class="isExpanded ? 'rotate-180' : 'rotate-0'" class="flex-shrink-0 transition-transform duration-200 fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="40" height="40" viewBox="0 0 24 24">
1314                            <circle cx="12" cy="12" r="10" stroke="#85888B" stroke-width="1" fill="none" />
1315                            <path d="M8 10l4 4 4-4" stroke="#85888B" stroke-width="1" fill="none" />
1316                        </svg>
1317                    </button>
1318                    <div x-cloak x-show="isExpanded" role="region" x-collapse class="content p-0">
1319                        <div class="p-4 pl-0 [&>p]:text-sm md:[&>p]:text-base [&>p]:text-[color:var(--mainTitle)] max-w-[90%] md:max-w-[70%]">
1320                            <p>When buying boat insurance, it’s important to consider that the policy aligns with your specific needs. While discounts aren't guaranteed, taking steps to increase your boat’s security, such as storing it in a recognised marina, can sometimes help reduce your premium.</p>
1321<p>GJW Direct policies can also include marina scheme benefits which may entitle you to special policy endorsements.</p>
1322<p>Visit the specific boat type page to see if your boat type offers any potential benefits or endorsements. </p>
1323                        </div>
1324                    </div>
1325                </li>
1326            </ul>
1327        </div>
1328    </div>
1329        <style>
1330         @media (min-width: 1024px) {
1331            .block-a9ff6363-831f-4b14-b425-4826c62f1fc7 .customWidth {
1332                max-width: 650px;
1333                margin: 0 auto 0 0;
1334            }
1335         }
1336        </style>
1337
1338<div class="content m-auto grid md:grid-flow-col md:grid-cols-minmax max-w-screen-xl block-a9ff6363-831f-4b14-b425-4826c62f1fc7 mb-bottom40 py-0 bg-lightgrey"
1339    >
1340        <div class="px-8 py-8 flex flex-col justify-center md:mt-0 hideBgImageOrNot " style="background-image: url('/media/w0fbc5hj/partner_discount.webp'); background-size: cover; background-position: top center; background-repeat: no-repeat; min-height:250;">
1341            <div class="sr-only">boat insurance discount banner image</div>
1342        </div>
1343
1344    <div class="customWidth px-8 py-8 flex flex-col justify-center bg-lightgrey px-6 md:flex md:flex-wrap md:content-center">
1345        <h2>Discover our partner discounts</h2>
1346<p>As a GJW direct customer, you’ll get access to a large selection of discounts. Explore the list of brands we work with.</p>
1347
1348        <style>
1349        .block-479b9212-c339-4034-be84-b790afb4e808 a {
1350            --text: #FFF;
1351            --button: #FFF;
1352            --buttonBG: #00B5A2;
1353            --buttonBGHover: #1E579E;
1354            --buttonTextHover: #FFF;
1355            --buttonBorderHover: #FFF;
1356            --uspBG: #FFF;
1357            --arrowColor: #FFF;
1358            --arrowColorHover: #FFF;
1359        }
1360        </style>
1361
1362
1363
1364<p class="block-479b9212-c339-4034-be84-b790afb4e808 ">
1365    <a href="/discounts/" class="updateUrl group inline-flex rounded-[35px] text-sm py-4 px-6 text-center text-[color:var(--text)] no-underline bg-[color:var(--buttonBG)] hover:bg-[color:var(--buttonBGHover)] hover:text-[color:var(--buttonTextHover)]" >
1366        See partner discounts
1367        <span class="relative left-[5px] top-[5px] text-primary">
1368            <svg xmlns="http://www.w3.org/2000/svg" class="fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="12" height="12">
1369                <path d="M2.586 2 L4 0.586 L9.414 6 L4 11.414 L2.586 10 L6.586 6 Z" />
1370            </svg>
1371        </span>
1372    </a>
1373</p>
1374
1375    </div>
1376  </div>
1377
1378    <style>
1379        .block-24d3f89f-a74d-4607-91de-601f607d103d {
1380            --text: #333;
1381            --mainTitle: #333;
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1383
1384        .featureItem {
1385            flex: 1 1 calc(50% - 15px)
1386        }
1387        .basicItem {
1388            width: calc(100 / 3);
1389            flex: 1 1 calc(100% / 3 - 15px);
1390        }
1391    </style>
1392
1393    <div class="w-full m-0 bg-lightgrey block-24d3f89f-a74d-4607-91de-601f607d103d py-8 mt-0">
1394        <div class="max-w-screen-lg m-auto">
1395            <div class="px-4 mb-4">
1396                <h2 style="text-align: center;">Boat guides &amp; news</h2>
1397<p style="text-align: center;">Explore our useful advice, helpful tips and general guides on all things boating!</p>
1398            </div>
1399
1400            <div class="px-4 md:flex flex-wrap gap-[15px]">
1401                        <div class="basicItem">
1402                            <a href="/blog/" target="">
1403                                <div style="background-image: url('/media/mtnndwfc/do_you_need_narrowboat_insurance-1-1-1-1-1.webp');" class="relative bg-cover flex min-h-[200px] rounded-t-xl">
1404                                    <div class="sr-only">GJW direct blog image narrowboat on canal</div>
1405                                </div>
1406                                <div class="py-5 px-6 picker-content content rounded-b-lg bg-white">
1407                                    <h3>Discover life on the water</h3>
1408<p>Here you'll find everything you need to know about life on the waterways, from maintenance, designs, and much more.</p>
1409                                </div>
1410                            </a>
1411                    </div>
1412                        <div class="basicItem">
1413                            <a href="/blog/jet-ski-rules/" target="">
1414                                <div style="background-image: url('/media/ljgjmi0c/jet_ski_rules_image-1.webp');" class="relative bg-cover flex min-h-[200px] rounded-t-xl">
1415                                    <div class="sr-only">image of a jet ski moored up</div>
1416                                </div>
1417                                <div class="py-5 px-6 picker-content content roun
1417ded-b-lg bg-white">
1418                                    <h3>Guide to UK jet ski rules and regulations</h3>
1419<p>Get up to speed with the latest jet ski rules, regulations, and safety tips so you can hit the water with confidence.</p>
1420                                </div>
1421                            </a>
1422                    </div>
1423            </div>
1424        </div>
1425    </div>
1426        <style>
1427         @media (min-width: 1024px) {
1428            .block-261db297-6fbc-48c6-8ab4-4055b730bf4d .customWidth {
1429                max-width: 650px;
1430                margin: 0 auto 0 0;
1431            }
1432         }
1433        </style>
1434
1435<div class="content m-auto grid md:grid-flow-col md:grid-cols-minmax max-w-screen-xl block-261db297-6fbc-48c6-8ab4-4055b730bf4d mt-0 py-8 bg-white"
1436    >
1437        <div class="px-8 py-8 flex flex-col justify-center md:mt-0 hideBgImageOrNot " style="background-image: url('/media/4eofx5dz/15502-banner_option4-2.webp'); background-size: cover; background-position: top center; background-repeat: no-repeat; min-height:350;">
1438            <div class="sr-only">boat insurance refer a friend voucher image</div>
1439        </div>
1440
1441    <div class="customWidth px-8 py-8 flex flex-col justify-center bg-lightgrey px-6 md:flex md:flex-wrap md:content-center">
1442        <h3><span class="blue-text">Refer your friends and you’ll both be rewarded</span></h3>
1443<p>Refer your friends to GJW Direct and you'll get a voucher from one of six retailers when they take out a policy with us. Your friend will be rewarded too so it's a win-win!</p>
1444
1445        <style>
1446        .block-641d112b-cb97-49f4-bd82-422106ffa10c a {
1447            --text: #FFF;
1448            --button: #FFF;
1449            --buttonBG: #00B5A2;
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1453            --uspBG: #FFF;
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1455            --arrowColorHover: #FFF;
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1457        </style>
1458
1459
1460
1461<p class="block-641d112b-cb97-49f4-bd82-422106ffa10c ">
1462    <a href="/refer-a-friend/?situation=homepagebanner" class="updateUrl group inline-flex rounded-[35px] text-sm py-4 px-6 text-center text-[color:var(--text)] no-underline bg-[color:var(--buttonBG)] hover:bg-[color:var(--buttonBGHover)] hover:text-[color:var(--buttonTextHover)]" >
1463        Refer a friend
1464        <span class="relative left-[5px] top-[5px] text-primary">
1465            <svg xmlns="http://www.w3.org/2000/svg" class="fill-[color:var(--arrowColor)] group-hover:fill-[color:var(--arrowColorHover)]" width="12" height="12">
1466                <path d="M2.586 2 L4 0.586 L9.414 6 L4 11.414 L2.586 10 L6.586 6 Z" />
1467            </svg>
1468        </span>
1469    </a>
1470</p>
1471
1472    </div>
1473  </div>
1474        <style>
1475         @media (min-width: 1024px) {
1476            .block-0728bb23-6f5c-4594-8c45-60e9da5c10c3 .customWidth {
1477                max-width: 1000px;
1478                margin: 0 auto;
1479            }
1480         }
1481        </style>
1482
1483<div class="content p-4 md:p-8 m-auto block-0728bb23-6f5c-4594-8c45-60e9da5c10c3 mt-0 py-8 bg-white"
1484    >
1485
1486    <div class="customWidth ">
1487        <div class="trustpilot-widget" data-locale="en-GB" data-template-id="53aa8912dec7e10d38f59f36" data-businessunit-id="64ff6e3960003ffc450a94b6" data-style-height="140px" data-style-width="100%" data-stars="4,5" data-review-languages="en"><a rel="noopener" href="https://uk.trustpilot.com/review/gjwdirect.com" target="_blank">Trustpilot</a></div>
1488<p> </p>
1489<p> </p>
1490<!-- End TrustBox widget -->
1491    </div>
1492  </div>
1493        <style>
1494         @media (min-width: 1024px) {
1495            .block-f881f7aa-17fd-43ec-aa1a-d0099a25bacc .customWidth {
1496                max-width: 1000px;
1497                margin: 0 auto;
1498            }
1499         }
1500        </style>
1501
1502<div class="content p-4 md:p-8 m-auto block-f881f7aa-17fd-43ec-aa1a-d0099a25bacc mt-0 py-8 bg-white"
1503    >
1504
1505    <div class="customWidth ">
1506        <p>*GJW Direct has been arranging marine insurance since 1826</p>
1507<p>**Figures accurate of July 2026</p>
1508    </div>
1509  </div>
1510
1511
1512      </main>
1513
1514    
1515
1516<!-- logic for 404 -->
1517<script>
1518  // Home page only redirect for old marketing codes
1519  // Get the path after ".com/"
1520  var pathAfterDomain = window.location.pathname.split('/').filter(Boolean).join('/');
1521  // Check if there's anything after ".com/" and it's not a "?ref" query
1522  if (pathAfterDomain && !window.location.search.startsWith("?")) {
1523      // Redirect to the homepage with the ref query appended
1524      window.location.href = `/?ref=${encodeURIComponent(pathAfterDomain)}`;
1525  }
1526</script>
1526
1527
1528
1529  <div class="bg-[#333]">
1530    <div class="text-center pt-6 pb-2 md:pl-[100px]">
1531        <p class="flex flex-col md:flex-row items-center justify-center space-x-3 space-y-3 md:space-y-0 [&>span]:text-white">
1532            <span><strong>GJWDirect</strong> is a</span>
1533            <img src="/assets/ripe.png" class="w-[50px]" alt="" />
1534            <span>Insurance Services product</span>
1535        </p>
1536    </div>
1537    
1538    <div class="max-w-screen-xl m-auto p-4 pb-6 md:pb-4 grid grid-cols-1 md:grid-cols-12">
1539        
1540        <!-- Footer Links -->
1541        <div class="footer-links md:col-span-5 md:flex md:flex-row justify-center md:justify-end items-center space-y-3 md:space-y-0 order-1 md:order-none">
1542            <ul class="flex flex-row items-center md:items-start md:flex-wrap justify-center pt-3 md:py-0 md:justify-end gap-x-4 [&>li>a]:text-white [&>li>a]:text-[12px] [&>li>a:hover]:underline">
1543                <li><a href="/about/">About</a></li>
1544                <li><a href="/sitemap/">Sitemap</a></li>
1545                <li><a href="/how-to-claim/">How to claim</a></li>
1546                <li><a href="/how-to-complain/">How to complain</a></li>
1547            </ul>
1548        </div>
1549
1550        <div class="md:flex md:col-span-2 justify-center md:items-center text-center md:grid-cols-3 gap-3 [&>a>svg]:w-[30px] [&>a>img]:w-[30px] order-none md:order-1">
1551            <!-- Social Media Icons for Desktop -->
1552            <a class="inline-block md:block" href="/blog/">
1553                <img src="/assets/icon-blog.svg" alt="" >
1554            </a>
1555
1556            <a class="inline-block md:block" href="https://www.facebook.com/GJWDirect/" target="_blank">
1557                <img src="/assets/icon-fb.svg" alt="" >
1558            </a>
1559
1560            <a class="inline-block md:block" href="https://www.instagram.com/GJWDirect/" target="_blank">
1561                <img src="/assets/icon-insta.svg" alt="" >
1562            </a>
1563        </div>
1564
1565        <div class="footer-links md:col-span-5 md:flex md:flex-row justify-center md:justify-start items-center md:space-y-0 order-2 md:order-2">
1566            <ul class="flex flex-row items-center md:items-start flex-wrap justify-center pt-1 md:pb-0 md:justify-end gap-x-4 [&>li>a]:text-white [&>li>a]:text-[12px] [&>li>a:hover]:underline">
1567                <li><a href="https://files.ripeinsurance.co.uk/Documents/TOBA/misc_print_14736_termsofbusiness_july2023.pdf">Terms of Business</a></li>
1568                <li><a href="/terms-of-use/">Terms of use</a></li>
1569                <li><a href="/privacy-policy/">Privacy policy</a></li>
1570                <li><a href="/cookies/">Cookie policy</a></li>
1571            </ul>
1572        </div>
1573    </div>
1574</div>
1575 
1576
1577 <div class="max-w-screen-xl m-auto mb-[60px]">
1578    <div class="py-6 [&>p]:text-[11px] [&>p]:mb-1 text-center [&>p]:text-[#2d2926]">
1579        <p>&copy;Copyright Ripe Thinking Limited 2026. GJWDirect&reg; is a registered trademark and a trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority No.313411.</p>
1580        <p>Registered office: One Stockport Exchange, Railway Road, Stockport, United Kingdom, SK1 3SW. Registered in England No. 04507332.</p>
1581    </div>
1582</div>
1583
1584 
1585<script>
1586    var juiceUrl = "https://proxy.ripethinking.co.uk";
1587    var quoteUrl = "https://quote.gjwdirect.com/#/your-cover/your-boat-type";
1588
1589    function updateAnchorsWithWebCode(webCode) {
1590        if (webCode) {
1591            // Select all anchors with the class "updateUrl"
1592            const anchors = document.querySelectorAll('a.updateUrl');
1593
1594            anchors.forEach(anchor => {
1595                let href = anchor.getAttribute('href');
1596
1597                // Check if the href contains "quote"
1598                if (href.includes("quote")) {
1599                    // Remove any existing 'ref' parameters
1600                    href = href.replace(/([?&]ref=[^&]*)|(&?ref=[^&]*)/, '');
1601
1602                    // Append the new 'ref' parameter
1603                    if (href.includes('?')) {
1604                        // If there are existing query parameters, append with &
1605                        href = `${href}&ref=${webCode}`;
1606                    } else {
1607                        // If no query parameters, append with ?
1608                        href = `${href}?ref=${webCode}`;
1609                    }
1610
1611                    // Update the href attribute of the anchor
1612                    anchor.setAttribute('href', href);
1613                }
1614            });
1615        }
1616    }
1617
1618    // Update anchors on page load if session storage contains webCode
1619    document.addEventListener('DOMContentLoaded', () => {
1620        const webCode = sessionStorage.getItem('webCode');
1621        if (webCode) {
1622            updateAnchorsWithWebCode(webCode);
1623        }
1624    });
1625</script>
1625
1626
1627
1628
1629
1630
1631  </body>
1632</html>

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