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Boat Transport Insurance and Protection: Why It’s Important and What to Look For

Whether you need to ship a boat for vacation or a cross-country move, ensuring your prized possession is properly protected against unexpected loss is a pivotal part of the process. Added protection from uShip or separate boat transport insurance is easy to overlook. Still, if you’ve ever had to suffer a loss because something you owned wasn’t covered, you already know what we know — having that extra peace of mind in advance is everything.

This guide sheds light on the significance of purchasing a uShip Protection Plan or separate boat shipping insurance, plus the crucial elements you should be aware of when shipping your boat.

Why You Should Purchase a uShip Protection Plan or Boat Transport Insurance

So, here’s the thing… a lot of things can happen on the open road. There are rough roads where parts can rattle loose; there are careless drivers, or even more random, there are unexpected weather events that could cause damage to your vessel along the way. But suppose you haven’t purchased a uShip Protection Plan or boat transport insurance. In that case, any mishap can result in significant financial loss, not to mention the emotional distress of seeing your prized possession damaged.

Purchasing added protection from uShip or outside boat transport insurance is not just a precaution — it’s a necessity. Here’s why:

  • Accidents: No matter how experienced the transport company is, accidents can and do happen. A minor collision can lead to significant repair costs, leaving you with the bill.
  • Damages: Shipping a boat can expose your boat to elements it’s not typically accustomed to on water — like road debris or low-hanging branches — that can cause scratches, dents, or structural harm.
  • Theft: It’s a less common occurrence but not unheard of. A boat in transit can be a tempting target for thieves, especially if it’s a high-end model.

By purchasing a uShip Protection Plan or investing in boat shipping insurance, you’re not just safeguarding a vessel – you’re ensuring peace of mind for yourself.

Understanding Added Protection and Boat Transport Insurance Coverage

boat in transit on open trailer - boat transport insurance

Now you know about the importance of added protection or boat transport insurance, but what exactly does it cover? Boat shipping costs are one thing, but out-of-pocket expenses for damage or theft are a whole different story.

Let’s dive into what’s typically covered or protected:

  • Physical Damage Coverage: This is the most basic form of coverage, protecting against damages sustained during transportation. Whether it’s from a collision or another external factor, this ensures repair or replacement costs are covered.
  • Liability Coverage: In the unfortunate event your boat causes harm to third parties or their property during its transit (e.g., falling off the trailer and damaging another vehicle), liability coverage steps in. It covers the financial implications of such incidents.
  • Comprehensive Coverage: This goes beyond just the transit phase. Comprehensive coverage protects your boat against damages from non-collision-related events like fires, vandalism, or natural disasters during its journey.
  • Theft Coverage: As the name suggests, theft coverage shields you financially if your boat is stolen during transport. Given the value of many boats, this can be a significant lifeline for boat owners.

With the uShip Protection Plan, you can rest easy knowing you have an all-risk, comprehensive protection plan that will protect your boat at a competitive cost. If your boat is lost or damaged during transit, uShip will reimburse you up to your Maximum Reimbursement amount ($100,00 for boats) for the repair or replacement cost of physical damage to or theft of your boat. See more terms and conditions.

Benefits of Purchasing a uShip Protection Plan or Boat Transport Insurance

When you’re shipping a boat, navigating the ins and outs of boat ownership and transportation comes with its unique set of challenges. But with a uShip Protection Plan or separate boat transport insurance, many of these worries are alleviated.

Let’s explore the benefits of this essential coverage:

  • Financial Protection Against Damages: If your boat encounters any physical harm during transit, you won’t be left with an enormous bill. From minor scrapes to significant structural damage, added protection can cover repair or replacement costs, saving you from potential financial turmoil.
  • Peace of Mind for Boat Owners: There’s a comforting reassurance in knowing your investment is protected. Whether you’re a new boat owner or have enjoyed the seas for years, comprehensive coverage provides the peace of mind that you won’t be stuck with a hefty bill if something goes wrong.
  • Legal Compliance: Depending on the region or country, transporting a boat without adequate coverage may breach transportation regulations. Boat transport insurance ensures you remain compliant with legal standards, avoiding potential fines or legal complications.

Factors to Consider When Choosing Insurance

Purchasing boat transport insurance isn’t a one-size-fits-all process. Several factors come into play to determine the right coverage for your specific needs. Here’s what you should consider:

  • Type of Boat and Its Value: A luxury yacht won’t have the same insurance requirements as a small fishing boat. The kind and value of your boat will significantly influence the kind of coverage you need and your boat shipping cost.
  • Transportation Distance: Moving your boat locally might pose fewer risks than an international journey. The farther and more complicated the route, the higher the chances of potential hazards.
  • Specialized Coverage Needs: Some boats may have unique elements, like expensive onboard equipment or custom-made parts, that require specialized coverage. Ensure that your insurance policy addresses these specifics.
  • Coverage Limits and Deductibles: Understand the maximum amount the insurance will pay if a claim is filed. A policy with a higher limit might have a higher premium but can offer better protection. Additionally, consider the deductible – the amount you’ll pay out-of-pocket before the insurance kicks in. A higher deductible often means a lower premium, but it also means higher out-of-pocket costs in the event of a claim.

Luckily, the uShip Protection Plan takes the guesswork out of this process, making it easy to price and purchase added protection at checkout. Before completing your shipment, simply select “Include Shipping Protection” and enter the value of your boat to generate your Protection Plan fee. This fee will depend on several factors, including the item type and the value you input during checkout. Be sure to provide your item’s full and true value to ensure you have adequate protection.

Different Types of Boat Transport Insurance and Protection

Ensuring your boat’s safety isn’t just about choosing insurance or protection  – it’s about choosing the right type of coverage. Here are the primary types tailored for different boat transportation needs:

  • uShip Protection Plan: An all-risk, comprehensive protection plan you can purchase directly through uShip at checkout. Perfect for boat shippers who don’t want to deal with outside insurance companies, calling around for pricing and complicated reimbursements.
  • Single Transit Insurance: Ideal for boat owners who rarely need to transport their vessel. It covers the boat for a single trip, whether that’s from the seller to the buyer or from one marina to another. Ensure you’re vigilant about coverage and fine print details.
  • Annual Transport Insurance: If you frequently move your boat throughout the year, this policy offers coverage for multiple trips, ensuring consistent protection no matter how often you transport.
  • International Transport Insurance: For boat owners taking their vessels overseas, this policy considers the added risks of international transport, such as customs complications, longer journey durations, and potential damages during loading and unloading at ports.


white truck hauling boat on trailer

Navigating the nuances of boat transport insurance can be unnerving if you don’t know beforehand what to expect. That’s why we created the uShip Protection Plan – a no-nonsense plan that covers your boat in the rare case of damage or theft. Learn more here.

Common Questions People Also Ask (PAA) – Google:

What does boat transport insurance cover?

Boat transport insurance coverage can range dramatically, depending on the provider. With the uShip Protection Plan, your prized vessel is protected against loss or damage, with a Maximum Reimbursement amount of $100,00 for boats.

Is boat transport insurance mandatory?

No, but it’s often recommended for financial protection, and some transporters or marinas might require it.

How much does boat transport insurance cost?

Costs vary based on factors like boat value, distance traveled, and coverage type, but it can typically range from a fraction of the boat’s value to a few percentage points. With uShip, you don’t have to call around or check multiple websites for coverage costs.  Simply enter the value of your item at checkout to generate your Protection Plan fee.

Are there different types of boat transport insurance?

Yes, uShip customers can easily purchase a uShip Protection Plan at checkout. Alternatively, boat shippers can purchase a Single Transit, Annual Transport, or International Transport insurance, if desired.

What factors affect the cost of boat transport insurance?

The boat’s value, transportation distance, type of coverage, and potential risk factors influence the cost of protection or coverage.

Does boat transport insurance cover damages during loading/unloading?

Often, yes, but you should check specific policy details as they might vary.

Can I get insurance for international boat shipping?

Yes, boat shipping insurance covers risks associated with overseas shipping.

What’s the difference between liability and comprehensive coverage?

Liability covers damage your boat causes to others or their property. Comprehensive covers damages to your boat from non-collision events like fire or vandalism.

Are personal belongings inside the boat covered by boat shipping insurance?

Typically, no. Personal belongings are usually excluded, but you can check with your insurer for additional coverage options.

How do I file a claim with my boat shipping insurance provider?

Contact your insurance provider immediately after noticing the damage, provide necessary documentation like photos and repair estimates, and follow their specific claims process. uShip customers who purchase a Protection Plan can work directly with uShip to facilitate this process.

Want to learn more about the uShip Protection Plan? Visit the uShip Help Center for more details about reimbursements, fees, and exclusions.