What is a Console Boot?
Eand console boat is an open motorboat with a steering console, designed for speed, water sports and day trips. The term includes several types: Center Console (center console), Bowrider (open bow with seats), day cruiser and speedboat.
These boats are popular because of their... versatility: suitable for fishing, water skiing, wakeboarding and fun outings. With engine powers of 50 to 1,400 hp and speeds up to 50+ knots they are real performance boats that deserve good insurance.
By means of Compare console boat insurance policies you will find the best coverage for your specific boat. Consider factors such as engine size, value and use (water sports, fishing, cruising) when choosing your insurance.
Which Console Boot Do You Have?
center console
Center console, 360° freedom of movement, ideal for fishing.
Up to 60 knotsbowrider
Open bow with seating, perfect for water sports & family.
Up to 50 knotsspeedboat
Pure speed, light construction, maximum power.
Up to 70 knotsday cruiser
Comfortable day boat, windshield, small cabin possible.
Up to 40 knots🎿 Also to be insured:
Wakeboard boat, ski boat, runabout, cuddy cabin, walkaround, deck boat, jet boat and all other open motor boats with console.
Which Coverage Suits Your Boat?
WA (Liability)
Basic coverage for damage to others
- ✓ Damage to third parties €5-7.5 million
- ✓ Mountains & lights boat
- ✓ Towing & transport
- ✓ No deductible
- ✗ Own boat not covered
- ✗ Theft not covered
WA + Limited Casco
+ Coverage for own boat
- ✓ Everything from WA
- ✓ Fire & explosion
- ✓ Storm & lightning
- ✓ Theft of motor & boat
- ✓ Contents also insured
- ✗ Own debt not covered
WA + Full Casco
All risk: maximum protection
- ✓ Everything from Limited Casco
- ✓ Collision & own fault
- ✓ Water sports damage
- ✓ Engine damage covered
- ✓ Road transport
- ✓ New value guarantee 3 years
🏆 Popular Console Boot Brands
All brands are insurable. Premium brands retain value well:
⚡ Motor Power & Insurance
Higher capital means higher premium, but it is insurable:
Up to 100 hp
Standard sloops and small bowriders. Lowest premium, easy to insure.
100 - 200 hp
Mid-range bowriders and day cruisers. Popular category, good rates.
200 - 300 hp
Powerful speedboats and center consoles. Higher premium, advise specialist.
300+ hp
High-performance boats. Customized policy required, not with all insurers.
🎿 Water Sports Coverage
Console boats are popular for water sports. Check if this is covered:
⚠️ Competitions are often excluded. Check the policy conditions or take out additional cover.
⚠️ Specific Risks Console Boats
- 🏎️ High speed: More chance of collision damage, therefore a full hull recommended
- 🔧 Outboard motor: Theft of loose engines, extra security required
- 🚗 Trailering: Damage during road transport must be insured separately
- 🎿 Water sports: Damage to skis, lines and equipment, check coverage
- ☀️ Open boat: Weather damage due to rain, UV and storm, winter storage is important
- 💎 Electronics: Expensive navigation and fish finders, home contents cover required
🔐 Security Requirements Console Boats
Insurers impose strict requirements on open boats and outboard motors:
- 🔒 Boat: CCV-approved lock + chain (min. 1 cm thick)
- ⚙️ Outboard motor: CCV-approved toggle or nut lock
- 🚗 Trailer: Approved drawbar lock or wheel clamp
- 📍 Berth: Attach to jetty or shore
- 🏠 Storage: Enclosed area with supervision
- 📱 GPS tracker: Optional, sometimes a discount on premium
💰 Premium Indication Console Boats
| Type console boat | Value | Complete airframe |
|---|---|---|
| Bowrider entry | €15,000 - €35,000 | €12-€25/month |
| Bowrider mid-range | €35,000 - €75,000 | €25-€50/month |
| speedboat | €25,000 - €60,000 | €20-€45/month |
| center console | €50,000 - €150,000 | €40-€100/month |
| day cruiser | €40,000 - €100,000 | €30-€70/month |
| Premium (Boston Whaler) | €100,000 - €500,000 | €80-€200+/month |
* Indicative prices. Exact premium depends on horsepower, year of construction, sailing area and claim-free years.
📈 No-Claim Discount: Save up to 40%
Every year of sailing without damage you build up a discount:
- ✓ 1 year damage free: 10% discount
- ✓ 3 years damage free: 20% discount
- ✓ 5+ years claim-free: 30-40% discount
- ✓ Interpolis: Up to 50% no-claim after 9 years
- ✓ Transferable: Take your no-claim with you to the new insurer
🌍 Sailing Abroad
Console boats are often trailered abroad:
- 🇮🇹 Italy: WA required + Italy Certificate
- 🇭🇷 Croatia: WA required + IVB required
- 🇪🇸 Spain: WA required
- 🇬🇷 Greece: WA required + boating license
- 🚗 Transportation: Check whether trailering abroad is covered
⚠️ Not Covered / Exclusions
- ✗ Competitions: Often excluded, unless separately insured
- ✗ Business use: Recreational private use only
- ✗ Rental: Not covered by most insurers
- ✗ Alcohol: Sailing under the influence
- ✗ Wear: Normal wear and tear of engine and parts
- ✗ Unsecured: Theft without approved security
💡 Tips for Console Boat Owners
- ✓ Complete airframe: Always recommended for valuable boats due to speed risk
- ✓ Outboard motor separately: Make sure the motorcycle is specifically listed on the policy
- ✓ Insure the trailer: Not automatically covered, request additional coverage
- ✓ Water sports coverage: Check that ski/wake activities are insured
- ✓ Winter storage: Open boats are vulnerable, store in a dry shed
- ✓ GPS tracker: Consider installation for theft prevention and discount
Specialized Boat Insurers
These insurers have experience with console boats and speed boats:
