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Insure your passion with watercraft cover


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Enjoy your love for water care-free

Once a boat lover, always a boat lover, right? Make the most of your water experiences, confident in the knowledge that your watercraft is sufficiently insured for any eventuality. We cover most types of watercrafts, including onboard motors, machinery, equipment, and standard fittings, such as the hull and other accessories normally included when buying a boat. Get comprehensive insurance you can count on – no hassle, no red tape, no excuses – it’s plain sailing.

The benefits of insuring your boat with Santam Insurance

Keeping your watercraft safe out of water

We cover all reasonable costs incurred towards storage, safekeeping, moving or transporting of the watercraft after loss or damage.

When life happens, we’re there

When disaster strikes, we will cover the costs of salvaging to recover the watercraft, as well as reasonable costs incurred towards returning your watercraft to normal storage after repairs – all following due authorisations.

Accommodation when your trip is interrupted

We provide emergency accommodation for a maximum of two nights for you and one passenger if a journey can’t be completed.


What's covered

We offer comprehensive insurance for watercraft such as motorboats, ski boats, jet skis and wetbikes, including the hull, outboard motors, machinery, equipment, standard fittings and accessories normally sold with the watercraft.

What's not covered:

Houseboats used as a permanent residence

Craft let out for hire or charter

Racing or speed tests/trials

Outboard motors and accessories may not be insured without the watercraft (hull)

Self-built craft may only be accepted with a seaworthy certificate and valid registration document

Commercial use i.e. charter, cage diving, commercial fishing

Total insured amount exceeding R500 000 (hull, outboard motors and specified accessories combined)

Hull lengths exceeding 8m

What's optional:


Audiovisual equipment

Bag and luggage


Boat trailer


Clothing and personal effects

Communication devices

Fishing and sport equipment


Fuel tanks

Glitter paint

Navigation equipment

Outboard/inboard motor


Tools and spare parts

Get a quote today

Answer a few short questions to get an obligation free quote for your watercraft.

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Call me back

To get insurance for you, provide a few details and let us call you, or call us on 0860 444 444.