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We would recommend you maintain your cover even during off-season when you are not likely to use your boat.
If your boat is financed, your financier may require that you hold cover all year round.
On the other hand, if your boat is in storage you can still face risks such as theft, vandalism or fire and you could be responsible to pay for the damages out of your pocket - which could prove very costly.
You could add “lay-up” months to your policy to reduce your premium slightly and still be covered for fire, theft and storm damage at the storage location. Lay-up also covers the boat whilst being moved to / from and whilst at a dealer or service center for normal servicing and maintenance.