Unless you charter a private boat (very expensive) the only access to Caye Caulker is by water taxi or by air. Take a cab to the Marine Terminal or to the Tourist Village Water taxi association. The cab will cost you $15-20 U.S. for the whole cab, not per person and the water taxi ride is $15 bz each way or $25 bz round trip. The ride takes about 45 minutes and some of the boats are covered. The boats are pretty big and many of them are covered. You can usually stowe your luggage. It can be a little wet sometimes though. The ride is terrific!