Navigators and General review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For boat owners who want specialist protection rather than a general household insurer, Navigators and General provides pleasure craft and marine trade cover built on experience since 1921. The brand remains focused on boating needs and operates under new group ownership while keeping its established teams.
Key facts
- Best for
- Boat owners wanting focused specialist marine cover
- Provider type
- Mga↗
- Cover limit
- Boat insurance (yacht and motorboat): vessel value up to GBP 1,000,000; GBP 5,000,000 third-party liability as standard↗
- Claims channels
- Online claim form, Phone, Email, Post↗
- Legal entity
- Geo Underwriting Services Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 1921↗
- Support channels
- Phone, Email, Help-centre↗
- Official website
- navandgen.co.uk
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Pleasure craft protection rooted in experience dating back to 1921
- Choice across a wide range of boats and vessels for individuals
- Third party protection offered alongside vessel cover for owners
- Dedicated protection for marine trades including marinas and boatyards
Cons
- Pleasure craft specialism leaves wider household needs uncovered
- Vessel cover applies up to a stated value ceiling
Ready to try Navigators and General?
Who it suits
- Boat owners seeking specialist marine protection
- UK marine trade businesses needing business protection
Who should look elsewhere
- Households seeking general home or motor protection
Who runs it
Navigators and General has protected boats and vessels since 1921, building a long record in pleasure craft protection. Business protection focuses on United Kingdom marine trades such as marinas, boat sales, hire fleets, builders and yards. Since 1 December 2024 the firm has belonged to Ardonagh Group and forms part of Geo Underwriting as a managing general agent. All colleagues moved across with the change, so customers continue to speak with familiar teams. Individual cover and business cover remain the work of that same organisation.
Safety and regulation
Customers can report incidents through an online claim form, by telephone, by email or by post. Everyday help comes by telephone and email, backed by a help centre that explains next steps. Third party protection sits alongside vessel cover, giving owners a choice of scope. Commercial protection stays centred on marine trades, while private cover stays centred on pleasure craft. Continuous activity since 1921 underpins the current operation within its wider underwriting group.
How Navigators and General compares
Where Navigators and General is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (308400), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
When did Navigators and General begin insuring boats?+
The business started protecting boats and vessels in 1921 and has kept that specialism ever since. More than a century of attention to pleasure craft shapes the cover and the claims routes. Private owners remain at the heart of the individual offering.
Which businesses use the commercial cover?+
The business offering supports United Kingdom marine trades such as marinas, sales operations, hire fleets, builders and yards. It was created around the needs of firms that work with boats daily. Private individuals use the separate pleasure craft offering instead.
Which group owns Navigators and General?+
Ardonagh Group took ownership on 1 December 2024 and the brand forms part of Geo Underwriting as a managing general agent. All colleagues moved across at the same point. Customers continue to speak with familiar teams and use established routes.
What cover choices exist for private boat owners?+
Private owners can choose vessel cover for their own craft and third party protection sits alongside it. The choice reflects long attention to pleasure craft needs. Commercial protection for marine trades stands as a separate offering.
Which company operates Navigators and General?+
Navigators and General is operated by Geo Underwriting Services Limited. (Source, checked September 26, 2026)
Where is Navigators and General based?+
Navigators and General is based in United Kingdom. (Source, checked September 26, 2026)
When was Navigators and General founded?+
Navigators and General was founded in 1921. (Source, checked September 26, 2026)
How can I contact Navigators and General support?+
Navigators and General offers support through Phone, Email, Help-centre. (Source, checked September 26, 2026)
Sources
- navandgen.co.uk checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“Navigators & General are owned by the Ardonagh Group and are part of the MGA Geo Underwriting.”
- navandgen.co.uk/boat-insurance/motorboat checked September 26, 2026
Backs: Cover limit
“Our Motorboat Insurance policy will provide cover for powerboats, cruisers, sports boats and RIBs over 7.62m or 25ft up to a value of GBP 1million ... GBP 5million Third Party Liability cover as...”
- navandgen.co.uk/navigators-and-general/about-us checked September 26, 2026
Backs: Founded
“Navigators & General is based in Brighton and has been established since 1921.”
- navandgen.co.uk/navigators-and-general/contact-us checked September 26, 2026
Backs: Support channels
“Call Us 01273 863 400 Lines are open Monday to Friday, 9.00am - 5.00pm ... Email Us ... enquiries@navandgen.co.uk”
- navandgen.co.uk/navigators-and-general/make-a-claim checked September 26, 2026
Backs: Claims channels
“we've made it easy for you to get in touch in whichever way works best for you - whether that's using our online claim forms, on the phone or even by old-fashioned post”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Premium from, Insurance types, Monthly payments.
Navigators and General
Boat owners wanting focused specialist marine cover