The first attempt to democratise yachting and to form a club to facilitate its enjoyment came, oddly enough, from the Irish, a nation that has never, in spite of its natural advantages, shown any marked liking for the sea. Yet by the formation of the Cork Water Club in 1720 Ireland took a lead that was not followed in England for nearly a hundred years. The Club adopted as their distinctive flag the Union jack with the harp on a green escutcheon in the centre, as in the jack of the Protectorate; this escutcheon was also placed on the Union in the canton of their ensign. Dissolved in 1765, this Club was resuscitated in 1806, and was the progenitor of the existing Royal Cork Yacht Club.

The first corporate body of yachtsmen to be formed in England was the Royal Yacht Club (now the Royal Yacht Squadron) founded at Cowes in 1815, when the close of the long war with France rendered the Channel safe for such a form of amusement. As a distinctive flag, this Club chose a white ensign with the Union in the canton but without the St George's cross in the fly. For six years the Admiralty took no notice of the breach of the law involved in flying such a flag, but in 1821 the number of yachts had so increased that the Commander-in-Chief at Portsmouth drew attention to the fact that a large number of small craft were flying an unauthorised flag. He received instructions to enforce the law, and the Club had to content itself with the legal red ensign. In 1829, however, the Admiralty granted the yachts of the club permission to wear "a St George's or white ensign," and the club thereupon adopted the modern white ensign which its members still fly.

This was followed in 1831 by the grant of a blue ensign to the Royal Northern Yacht Club; a white ensign with "the Arms of Ireland" in the lower canton next the staff to the Royal Irish Yacht Club; and a formal grant of the red ensign with "the Union (with the harp and crown on a green field in the centre) in the corner" to the Royal Cork Yacht Club.

In 1832 a newly formed Irish club, the "Western Yacht Club," which had assumed a green ensign, approached the Admiralty with a view to the confirmation of this flag on the ground that "a white ensign has been granted to the 'Royal Yacht Club,' a red ensign to the 'Royal Cork,' a blue ensign to the 'Royal Northern,' and as the only unoccupied national flag we have assumed the green ensign[336]." They were informed "You may have as the flag for this Club either a red, white or blue ensign, with such device within as you may point out, but that their Lordships cannot sanction the introduction of a new colour to be worn by British ships." They then chose a white St George's ensign with "a crown in the centre surrounded with a wreath of shamrock."

There followed other grants of the white ensign, plain or with the St George's cross in the fly and with or without special badges.

In 1842 the Royal Yacht Squadron, moved by frequent complaints of the improper conduct in foreign waters of British yachts, erroneously supposed, from the fact of their having a white ensign, to belong to that club, asked that they might have "the sole permission to carry the white ensign," at the same time suggesting that the other clubs should have a blue one. The Admiralty acceded to this request and issued the following circular letter:

22 July 1842.

Sir

My Lords Commissioners of the Admiralty having, by their order of the 6th June 1829, granted permission to the Royal Yacht Squadron, as having been the first recognised club, and enjoying sundry privileges, to wear the White St George's ensign and other distinctions, that their vessels might be generally known, and particularly in Foreign ports, and much inconvenience having arisen in consequence of other Yacht Clubs having been allowed by this Board to wear somewhat similar colours, my Lords have cancelled the warrant enabling the ___________ to wear the white ensign, and have directed me to send you herewith a warrant, authorizing the vessels belonging to the club to wear the blue ensign of Her Majesty's fleet, with the distinguishing marks of the club, as heretofore worn on the white ensign; and as it is an ensign not allowed to be worn by merchant vessels, my Lords trust that it will be equally acceptable to the members of the club.