Insuring a boat

Insuring a boat

Unlike cars, having insurance for a boat is not essential to jettisoning, but it is necessary to protect your boat from possible risks that may occur at sea, visit : However, your home insurance policy generally includes the guarantee Liability of a vessel but it may not be suitable for all. This guarantee applies only to vessels of less than 50 horsepower or less than 25 feet. If your boat is bigger, you will have to take out a more adapted insurance to better cover its equipment and the safety of the passengers. In addition, you will receive an insurance certificate which will allow you to dock more easily the marinas. Insuring a boat must then go through some contemplation to choose correctly the different covers you will need. First of all you have to define the area of ​​use of your boat and know exactly its value. Please note that basic boat insurance includes traditional warranties such as liability cover, theft warranty, fire warranty and driver’s warranty, but adapted to the nautical environment. Depending on your needs and type of boat, you can extend your coverage by adding passenger cover, including salvage and marine search costs, equipment coverage on board the boat, loss and damage coverage Shipwreck or natural disaster and towing the boat.

Insure a super yacht

A yacht is an exceptional craft that should be well covered given its prestigious value. To insure a super yacht, underwriting an all-risk insurance is undoubtedly the most informed choice. This insurance will cover all types of claims except those specifically excluded in the insurance contract. This includes normal wear and tear, scratches, dents, animal damage, design defects or damage caused by freezing conditions. As this type of insurance is quite specific, it would be best to hire a broker to advise you and guide you to the insurance that best meets your needs. Moreover, most insurance companies do not directly deal with the public for this type of benefit. Passing through a broker is then more than wise to detect the most recommended insurers in this field. You can then expose all the specifics of your yacht to the broker so that he can define exactly the covers you really need. Regarding the insurance premium, this varies according to the age of the boat, its value, size, engine power, navigation zone and of course the number of guarantees subscribed. If this is not the first time that the boat will join the sea, the number of accidents that it has already faced will also affect the fixing of the premium.


If your boat is no longer covered by your home insurance policy, you will be required to purchase shipping insurance to cover the crew of the vessel. This is to protect them from the risks of the sea-craft business. You can then take out a sickness and accident insurance contract that covers each member of the crew in any Which place of the world. You will then be able to start your cruise with a peaceful mind, considering the safety and health of your crew. Generally, this insurance is valid in the professional or personal environment of the crew member, whether on board the ship, awaiting embarkation or on land. It therefore covers medical expenses, including dental and optical expenses, but also hospitalization, maternity, assistance and repatriation, and disability and death. Generally, an all-risk insurance is a mixed insurance that includes coverage of the boat’s equipment and its crew. Underwriting this type of insurance will automatically give you the protection of your crew. Do not hesitate to make the competition play by using an insurance comparator to find your provider. Since the insurance costs are very variable, it is better to favor the companies offering the best value for money.

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