You already have a ship!
From Fallen London Wiki
| Spoiler warning! This page contains details about Fallen London Actions. |
From: Picking a Ship, The Swift Zee-Clipper, at Last, Build your zubmarine or Tiles and a Yacht
Game Instructions: If you are presently using the Heart, you will have to dock it before you may purchase a new ship.
Unlocked with 
The Cladery Heart
Success
No reward narrative information available for Fate-locked actions.
