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People are very shortsighted. They think nothing of insuring their homes, though forget that those expensive items such as boats also need to be insured.There are many reasons for this, and the details below give an overview of the advantages of boat insurance and why it is so essential to insure that investment made for pleasure that can be extremely vulnerable given that it lives in water and needs constant upkeep, love and attention that may be destroyed in one accident in the water, caused by weather or error. *Liability to users.*Liability to others.*Defects in workmanship*Vandalism and malicious damage*Boat trailer*ContentsLIABILITY TO USERS.It's pretty easy to imagine the case scenario of your boat being in collision with another boat. Accidents happen, and if this were on the road, your motor insurance covers that kind of eventuality. On the water, the notion that you don't need insurance isn't very logical. Supposing that one of your passengers gets hurt. Supposing that they are crippled for life. Thinking ahead really does matter, because with a liability insurance clause within your boat policy these eventualities are covered and although compensation cannot make the person better, what it can do is cover the cost of health-care and needs to make the life of the suffering person a little easier.Even those who only travel with their family can have accidents, and by covering them for accidental injury, you are protecting their interests as well as your own.LIABILITY TO OTHERSSupposing the yacht you collided with cost millions, and it was your inexperience that caused the collision. There is little doubt that the man with the big boat has insurance, though it doesn't cover him for accidents caused by others, and more particularly you. They can sue you through the courts for damage. Here, if you are wise enough to take out an insurance policy, the damage that you cause by accident can be handled quickly and efficiently. Do look out for the amount of cover, and try and gage your policy at a range of benefits that suit your particular circumstances.DEFECTS IN WORKMANSHIPMany policies cover items like sails that may be damaged because of defects during the manufacturing process. These are really handy clauses that help you to maintain your boat in a responsible way, and although they do not cover wear and tear, they do protect the boat owner in the event of parts that do not meet maker's specifications.VANDALISMVandal ism and malicious damage are unfortunately




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