Topsail Insurance small yacht and small boat insurance policies cover craft up to 23 feet in length. For craft on inland and coastal waters of the United Kingdom and Europe not exceeding 12 nautical miles offshore (excluding crossings of the English Channel, Irish and North Seas). This policy is not suitable for jet skis, jet bikes or other personal watercrafts. No craft age restriction. Our cover includes small craft hire benefit for you to hire a similar Vessel if your Vessel suffers loss or damage.