Short-term Boat Rental

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Expert advice. Focused market access. Tailored cover.

Specialist insurance for short-term rentals

Whether your vessel is offering distinctive on the water accommodation or reserved solely for your own leisure, we provide insurance tailored for craft used in short term rental through platforms such as Airbnb. Our approach recognises the dual nature of your boat’s use, ensuring that both private and rental activity are considered so cover can be structured correctly and compliantly from the outset.

Collision and impact damage

Fire, explosion and sinking

Storm and weather-related damage

Theft and vandalism

Mechanical or engine breakdowns (subject to policy terms)

SPEAK TO A SPECIALIST

Comprehensive cover

Our expert team has full access to the specialist marine insurance market, delivering high‑quality, tailored cover for short‑term rental vessels across the UK and internationally. We work closely with insurers to ensure your policy is correctly endorsed for accommodation use, providing confidence that your cover aligns with rental platform conditions, mooring requirements, and insurer expectations.

Our tailored insurance is designed around how your craft is used for short‑term accommodation, while retaining private leisure use.

Cover is subject to policy terms and endorsements, including:

Hull & Liability

Third-party liability insurance

Airbnb accommodation use permitted

Minimum 20% private and pleasure use*

Permanently moored craft at a secure marina, jetty, or pontoon or accessible from shoreside*

Protection alongside Airbnb Host Guarantee*

Salvage, towage, and emergency assistance*

Defined cruising limits

Owner responsibility retained for inspections and reporting of damage

Clear guest usage controls

*Subject to policy terms and conditions

At HKJ Specialist, we provide bespoke boat insurance for owners using their craft for short‑term rentals and accommodation, including platforms such as Airbnb. Whether your vessel is a modern motorboat, narrowboat or a high‑value leisure craft, we understand the unique risks and responsibilities that come with hosting paying guests, while still retaining private enjoyment of your boat.

From occasional short stays to regular accommodation use, our team is here to advise on insurance solutions that reflect how your craft is actually used, including policies structured to meet private and pleasure and short‑term rental requirements.

What is specialist insurance?

Specialist insurance for short‑term rentals is designed for boat owners whose vessels are used for accommodation or hire in ways that standard marine policies don’t cover.

If you’re letting your craft through platforms such as Airbnb, offering short stays to paying guests, or balancing rental use with private and pleasure time, your insurance needs to be carefully structured to reflect that usage. This includes considerations such as guest occupancy, mooring arrangements, platform requirements, liability exposure, and the proportion of commercial versus personal use.

In short, if your boat is being used for short‑term rental and cannot be adequately insured under a standard off‑the‑shelf policy, specialist insurance provides tailored cover that is negotiated to match how your craft is used, helping ensure you remain properly protected.

Why choose Haven Knox-Johnston Specialist?

HKJ Specialist understands the risks of hosting paying guests and arranges cover that’s correctly structured for accommodation use, including the balance between rental activity and private and pleasure.
With access to specialist marine insurers and expert, straight‑talking advice, we make sure your policy is properly endorsed from day one, so you can rent with confidence, knowing your cover works when it matters.

Let's get you covered, give us a call

+44 (0)1202 725 165

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Haven Knox-Johnston Specialist is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.