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Lloyd’s Transfer

Lloyd’s is proposing to transfer certain EEA insurance policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies. Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at lloyds.com/brexittransfer

COVID-19 Update 17/03/2020

As you are probably aware, current UK government advice is for offices to work from home where possible. With this in mind, effective from Tuesday 17th March 2020, the Topsail UK team will all be working remotely.

Telephone calls will be diverted to us at home but if your call is not answered immediately, please leave a message or try again later.

We thank you for your support during this difficult time.

Boat Insurance

Our agreed value policies are designed to suit the needs of the sailing community, offering comprehensive and flexible cover worldwide on yachts, motorboats and various other types of vessel.

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Travel Insurance

We offer flexible Travel Insurance Policies designed specifically for the recreational sailing community, with three levels of annual cover and a single trip policy available.

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Yacht Insurance

Our policies are designed to suit the needs of the sailing community, offering comprehensive and flexible cover.

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Yacht Insurance

Motorboat Insurance

Tailored Motorboat Insurance Policies providing comprehensive cover for Motorboat owners worldwide.

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Motorboat Insurance

Tall Ships Insurance

Tall Ships and Sail Training Vessel Insurance designed specifically for the Tall Ship and Sail Training Community.

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Tall Ships Insurance

Yachtsman's Travel Insurance

Yachtsman’s Travel Insurance provides a range of flexible cover options, designed specifically for the sailing community.

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Yachtsman's Travel Insurance

Airbnb Host Boat Insurance

Boat insurance with Airbnb cover

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Airbnb Host Boat Insurance

Welcome to Topsail Insurance; Brighton based marine insurance specialists who have insured the sailing community throughout the UK and worldwide for nearly 20 years.

At Topsail Insurance we specialise in Motorboat, Yacht, Craft, Ship and Dinghy insurance throughout the world - the UK, Northern Europe, the Mediterranean, the Caribbean, Pacific Regions, South East Asia, Australasia, Antarctic and the North West Passage.

We also provide our specialist Travel Insurance policies, the Yachtsman’s or Tall Ships Travel Insurance. We are pleased to have an active involvement with The Cruising Association and also the prestigious Ocean Cruising Club, offering discounts to members.

Topsail Insurance is owned and run by Robert Stevens and Chris McGowan who are backed by a dedicated team highly knowledgeable in the field of Boat Insurance and Travel Insurance.

More details can be found on the extensive insurance policies we provide at Topsail Insurance by viewing Yacht, Motorboat, Sailing Dinghies, Small Craft, Inland Boat and Narrowboat Insurance products.

To view our comprehensive Travel Insurance policies, Underwritten at Lloyd’s of London, click here: Yachtsman’s Travel Insurance or Tall Ships Travel Insurance.

  • Don't forget that Monday, 25th May 2020 is a bank holiday in the UK but we will be back with you at 9am on Tuesday… twitter.com/i/web/status/1…
Sailing with Jubilee Sailing Trust?
Our policies are specifically designed for your Tall Ships trip.

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Looking to make a claim?
If you find yourself in the unfortunate situation that you need to make a claim, we are here to help.

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Refer a Friend
£25.00 discount on your renewal for every friend you refer

Refer a friend

Our Partners
Topsail Insurance are proud to partner with the Ocean Cruising Club (OCC), Cruising Association (CA) & Jubilee Sailing Trust. Find out more on what Topsail Insurance can offer OCC and CA members and those sailing with the Jubilee Sailing Trust.

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British Marine
Topsail are the proud winners of the British Marine 2015 Training and Development Award and finalists for 2016 Training and Development Award.





  • "Thorough as usual. It really is a pleasure receiving prompt, professional service! hope never to have a claim, but if the situation should arise I have confidence in Topsail given the service I’ve received thus far. There must be something in the office water because the service is exemplary across the board, thank you so much for the outstanding service."

    Keith Trimel – S/Y Blue Snail

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  • “What can I say? Of course I am very satisfied with your services and not only for the granted compensation, but also because you were very present always during all the duration of the process. Every time I have written, I had an answer either the same day, or the next day. It is a difficult time and the morale is not still present and to feel that the company which you chose is very present, in our listening and understands our difficulties is certain comfort. I thank you for all that.”

    Jean-Pierre Vaissiere – S/Y Ti-Bag

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  • “I was very impressed by your service, it was speedy and comprehensive. You took each of my points and dealt with them fully. Thank you."

    Peter – S/Y Salila

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  • “I have nothing but praise for the underwriters and their appointed surveyor. They have gone beyond the call of duty on this one. It is not until you go through the exercise do you realise how difficult it is to get boat stuff repaired or replaced when you are off the beaten track. We are a couple of happy sailing bunnies again."

    Trevor and Joanne - S/Y Malarkey, Lightning Strike – Cartagena, Colombia

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  • I was looking for a new insurance and talking with Brent, the president of PCYC Phuket Cruising Yacht Club in Ao Chalon, of which I am a member. He gave the recommendation for Topsail Insurance Ltd."

    José Inácio Jr - S/Y Calcamar, Collision – Djakarta, Indonesia

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  • “To say that it was a shock to have the paddle-wheel log housing fracture flush with the hull and watch a two inch solid jet of water punching its way into the boat - would be an understatement. To say that the way Topsail acted on our frenzied phone call from Burgundy and sorted out our claim in double quick time - would not."

    Bob and Carol Humphreys - M/Y Carolann

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  • “I have been delighted with the personal service, attention to detail and of course the price. The level of cover suits our needs perfectly from local sailing to Caribbean cruising...

    Peter Whatley Vice Commodore - Ocean Cruising Club

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  • “Having been a customer of Topsail Insurance since their inception I have always been ready to extol their virtues. Without doubt the Topsail Team are remarkably friendly and ready to listen and discuss policies best suited to my sailing interests. Apart from Yacht insurance, I can also recommend to anyone their Gold and Silver Yachtsman’s...

    Tony and Christine - S/Y Pelagia of Poole – OCC members

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  • May I just say how very impressed I have been with all aspects of my dealing with your company - your website and your prompt and helpful responses. Quite a contrast from some of your competitors...

    Kathy Bellamy - Yachtsman’s Single Travel Insurance.

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  • “We were referred to Topsail Insurance Ltd by Richard Anderton at the Ocean Cruising Club. They have provided most excellent, expeditious, & professional service...

    John and Elizabeth – S/Y Pegasus VII” – OCC members.

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  • “May I take this opportunity to thank you and your great team at Topsail insurance for your diligent, responsive and kind support which has enabled Camomile...

    JBill and Sue S/Y Camomile www.yachtcamomile.co.uk.

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  • "As per our most recent correspondence, I am advising you that the sale of INGRID OF THE ISLES is, all being well, imminent! So, at this point in time I would like to sincerely thank Topsail Insurance for the absolutely first class service you...

    Barry Barnwell - previously S/Y Ingrid of the Isles

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  • ""I have enjoyed excellent service, value for money and speedy response from Topsail for my Tall Ships Jubilee Sailing Trust adventure. Thank you!"

    Dame Enid Bibby

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  • “I was treated to clear a Pneumonia infection that I suffered in the Caribbean in Dec 2013, which resulted in surgery back in the UK; Topsail and CEGA kindly provided an incredible service to get me back to the UK and back to good health again...

    Sam H. Yachtsman’s Gold policy holder

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  • “I would like to send you my most sincere thanks for the efficiency and speed with which you dealt with my recent claim. I was particularly impressed that I was able to deal with you and your staff during the weekend! The remedial works have been completed...

    Colin – M/Y “Vorsicht”

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  • “Regarding your service, I could not fault it. All correspondence was promptly answered and the claim dealt with expeditiously. Thank you sincerely for that. It was a big relief to receive the settlement. I was confident of acceptance...

    Murray – S/V “Sunny Deck”

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  • “Thank you very much for this welcome news of settlement having been made. We have been most impressed by the efficiency, professionalism...

    Lammert S/Y “Sea Minx”

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  • During all this very difficult time you have treated me in the best possible way. I shall gladly recommend you to friends and other yacht owners I know.
    Thanks again for an extraordinary service.

    Lammert S/Y “Sea Minx”

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  • Let me say that the manner in which Roger Rich and Topsail have dealt with this matter is profoundly reassuring in these days when many in your position would look for a technicality or some other way of obviating the obligation.

    Martin Purtill – Tall Ships Single Travel Insurance

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  • "Thank you very much for your extremely comprehensive replies. As a direct result I would like to request that you re-quote for the policy after extending the cover up to and including Sunday 7th August 2017, which is our expected return date. I would like to add that the way you and Topsail Insurance Ltd have handled this business has been exemplary and I will have no hesitation in recommending your services to my friends in the sailiing fraternity and beyond. "

    Keith Rees – Tall Ships Single Travel Insurance

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  • "We are very grateful to you for your energetic Assistance and superior professional service. We will send business your way whenever possible."

    John Calvin – S/Y Golden Eye

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  • "My wife Julia and I have been insured with Topsail for many years. Both for our yachts and in our travels. We have always found the company and staff to be efficient, good value, fair and helpful."

    Ian and Julia - S/Y Disaray, Lost Propellor, Las Palmas, Gran Canaria

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  • "I just want to let you know that is has been a pleasure being insured by Topsail, your communications are swift and punctual and I will recommend your company to everyone seeking a yacht insurance. Thanks again"

    IPieter - S/Y Aloha

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  • "I had the occasion to ask Topsail Insurance for a quotation last year for my Leopard 40. They came back promptly with the coverage I needed and at $1000 less than my current supplier. When we decided not to do a Pacific crossing I asked Topsail if they would financially recognize the reduced risk; expecting very little. They reduced my premium by $400. I was quite amazed. Later that year, at Panama City, a yacht was hit by lightning near our boat. The electromagnetic pulse took out quite a bit of our electronics. I filed a claim, which was turned over to Topsail's appraisers (who were businesslike, prompt, and approachable). I had the claim paid out within a month...and in the aftermath of hurricane Irma! Topsail answers queries quickly, makes pro-active solutions for their clients, and is a pleasure to deal with. If you're looking for marine insurance...I must wholeheartedly recommend Topsail Insurance"

    J D Gould – S/Y Fox

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  • Many thanks to Topsail Insurance for the excellent service and assistance we received from your agent Laura Clothier, and her patient and professional guidance helping us transfer an insurance policy on a 2009 Oyster sailboat. Many thanks again for the excellent service

    Captain John D Skoriak, US Coast Guard Licensed Master, Sausalito CA  USA, Oyster 655  PEARL (ex GUNDAMAIN)”

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  • “I would like to thank Topsail for their very professional manner in which all our business has been transacted. The service has been faultless.”

    Clive and Janice, S/V Corcaigh

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  • “Top marks for Topsail We started our season in May & shortly after setting off were told that our house in the U.K. had been burgled. We returned home on 26th May, just as a thunderstorm passes over the Attic peninsula.Upon our return to Olympic Marine in early June, we discovered that Offski along with several other boats had been struck by lightning and our electronics were fried. Topsail and their underwriters MS Amlin were superb. Upon receipt of the quotation for repairs, they gave approval and made the large advance payment requested so that parts could be ordered and work proceed. Olympic Marine & their subcontractors AMZ yachting voted Topsail the most professional insurance company that they had to satisfy of all the other damaged yachts undergoing the same repairs. Olympic/AMZ have completed the work and we are ready to go sailing again. Topsail has made this easy for us, all without deducting an excess since we are in our home marina. Meanwhile, at home the glaziers have failed to turn up to replace our window, and the loss adjuster is at a loss to value the contents that we have had stolen. So it is top marks to Topsail. I shall raise a glass of wine to them and not ask them to pay for it. Unless of course someone organises a CA meet in the Saronic/Cyclades in September ....... ”

    Chris, S/Y Offski

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  • "Thank you for completing the insurance for Prospero, its been a pleasure doing business with you, you’ve been extremely efficient throughout the whole process, well done."

    David – S/Y Prosperol

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  • "Thanks again to you and Topsail for all your help over the last year. We've had a great time and I really appreciated the quick responses and help to deal with the extension for Greece and longer term mooring cover in the summer. Great team and service!"

    Nick Rayner – S/Y Hera

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