Boat Swap Insurance Conversation Toolkit

Not sure what your boat insurance actually allows when someone else takes the helm?

Insurance policies vary enormously when it comes to third-party use, temporary operators and boat swaps. Rather than making assumptions, this toolkit helps you work out what your own policy says and ask your insurer or broker the right questions before agreeing to a swap.

Inside you'll find practical prompts for reviewing your policy, questions covering third-party use and operator requirements, a ready-to-send insurer email, follow-up questions for unclear answers, a record sheet and a final pre-swap checklist.

It also walks you through what to ask if your existing policy doesn't cover the proposed use — including named or approved operators, endorsements, extensions and alternative cover.

This toolkit doesn't tell you whether you're insured. It helps you find out.



A practical, reusable resource for boat owners considering a boat-for-boat swap, time-in-lieu arrangement or another private exchange.