Insurance Surveys Explained: What Insurers Look For

If you’re insuring a boat — especially an older one — your insurer may request a marine insurance survey. But what exactly are they looking for? In this post, we break down what’s involved in an insurance survey, why it’s required, and how it can help you avoid claim problems down the line.

What Is a Marine Insurance Survey?

An insurance survey is a professional assessment of your vessel’s condition, safety, and seaworthiness, conducted on behalf of an insurance company. Its primary purpose is to help the insurer evaluate the risk of covering your boat and determine if any repairs or updates are required before issuing or renewing a policy.

It’s commonly requested:

When insuring a boat that’s over 10 years old
After a significant accident or claim
If the vessel has been out of the water for a long period
When changing insurers or upgrading cover

What Do Insurers Want to Know?

Insurers aren’t just checking if your boat is pretty — they want to ensure it’s safe, well-maintained, and fit for purpose. They typically focus on:

Hull integrity – including any signs of osmosis, corrosion, or damage
Mechanical condition – engines, steering, fuel systems
Electrical and gas systems – are they compliant and safe?
Safety equipment – fire extinguishers, flares, life jackets, bilge pumps
Deck fittings and rigging (if applicable)
Signs of neglect or poor maintenance
Compliance with local boating regulations

What Happens After the Survey?

Once the survey is complete, you’ll receive a written report. This is shared with your insurer, who may then:

Approve your cover without changes
Approve cover with conditions (e.g., certain repairs must be made)
Offer a limited policy
Decline cover until major issues are resolved

It’s important to read the report carefully — it can also give you valuable insight into the long-term maintenance of your vessel.

How an Insurance Survey Benefits You

While it may seem like a formality for the insurer, a survey can help you:

Spot safety issues before they lead to accidents
Avoid policy exclusions or claim disputes
Understand your boat’s value and condition
Negotiate better insurance rates
Ensure peace of mind every time you head out

How Often Will I Need One?

Typically, insurers may request a new survey every 5–7 years, depending on the age and condition of your boat. Some may require one every 2–3 years for older vessels. It’s always best to check your policy terms.

What to Expect During the Survey

Haul-out required: Insurers will usually want a full out-of-water inspection.
Surveyor will need access: Make sure your boat is clean, safe to board, and accessible.
Photos & documentation: The surveyor may ask for recent maintenance records or engine hours.

Report delivery: With our express service survey reports are delivered within 24 hours