You'll find all boat insurance policy prices vary. They are based on a number of factors, the most important of which being vessel worth, 3rd party versus comprehensive, your mooring location and your cruising area. Where you cruise and operate your boat is particularly important. As you would expect certain areas are much riskier than others and operation in areas such as estuaries where commercial shipping is afloat can result in huge liabilities for the insurance provider... that's why we provide a minimum liability cover of £2m as standard! Years no claims is also inevitably important to determining your annual or monthly premium, the more years you have simply means a cheaper boat insurance policy