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

Read time: 2 minutes

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. Let’s take a look at what boat insurance typically covers, and what to double-check before someone else takes control.

Coverage Usually Follows the Boat

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. The policy is built around the person who owns the boat, and other drivers typically don’t need to be listed unless they use it regularly.

Who Should Be Listed on Your Policy

If someone uses the boat regularly, like a spouse, child or parent, let your insurance agent know. They can help determine whether that person should be listed on the policy. 

You’re Still Responsible for What Happens

Even if you’re not the one driving, you may be held responsible for damage or injury caused by whoever is driving your boat. Since coverage usually follows the boat, it’s important to be careful about who you turn over the keys to.

Some important things to ask yourself before letting a friend drive the boat are:

• Are they under the influence of alcohol or drugs?
• Are they familiar with how to operate your boat?
• Do they know the rules of driving a boat?
• Are they aware of local regulations, like speed limits or no-wake zones?

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.

What’s Usually Covered and What to Double Check

Even the safest driver can’t control everything. That’s why it’s important to review your boat insurance and make sure your coverage is up to date.

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.

If you’re unsure about what coverage you need, talk with your local independent agent.

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.  

Subscribe to our YouTube channel for video content like this!

Disclaimer: This article is not expert advice. The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the publishing of this material. Discounts may not be available in all states. Limitations and conditions may apply. Premiums will be based on benefits chosen. Please check with your local Independent Auto-Owners Insurance Agent for details.

Copyright Auto-Owners Insurance Company © 2025. All Rights Reserved