You Let a Friend Drive the Boat. Are You Still...

You Let a Friend Drive the Boat. Are You Still Covered?

Who do you let drive your boat?

A storm sweeps over Deltaville on July 26, 2025

Can I steer for a bit?

Peggy Claytor

You’re out on the water, soaking up the sun. A friend offers to steer the boat while you grab a drink or check the motor. You hand over the wheel without thinking twice, and then a thought crosses your mind: If something happens, am I still covered if I’m not the one driving?

It’s a common question, and the answer isn’t always obvious.

If someone has your permission to drive your boat, most policies still apply, even if you’re not behind the wheel. Boat insurance is similar to auto insurance in that way.

If someone uses the boat regularly, like a spouse, child or parent, let your insurance agent know.

You’re Still Responsible for What Happens- Being selective about who drives your boat helps reduce risk, and that’s one of the best ways to protect yourself, your passengers, and others on the water.

Most policies cover the boat, motor, trailer and basic accessories, along with liability coverage if someone is injured or property is damaged while you're using the boat.

However, lifts, docks and some boating equipment may need to be listed separately under an inland marine or homeowners policy.

Boating season is supposed to be about relaxing, not second-guessing your coverage. If you haven’t reviewed your policy in a while, now is a great time to make sure it fits how you actually use your boat so you can cruise into summer with confidence.