Boat Liability Insurance
Boundless freedom on the water
Anyone who causes damage to third parties through the use of their boat or yacht is liable with their entire assets, if necessary. Our boat liability insurance protects you and your crew against third-party claims arising from an accident or any other incident, with worldwide coverage.
Benefits of this insurance
The coverage sum for personal injury is fully available even if only one person is harmed.
Not only you as the owner are insured, but also the responsible skipper and all persons authorized to operate the vessel.
We issue you the special insurance confirmation required for international waters free of charge.
What is covered
Personal injury
For example, injuries caused by wake from your vessel.
Property damage
For example, a collision with other boats while entering or leaving a harbor.
Environmental damage
For example, fuel contamination in harbor waters.
Financial loss
For example, loss of use of someone else's boat.
What is not covered
Commercial use
The policy does not cover commercial use of the recreational vessel.
Damage to household members
Damage caused to insured persons living in the same household as you is not covered.
Fines and penalties
We do not cover fines or administrative penalties.
Real claim examples
Collision in the harbor
While docking at the marina, Peter misjudges the maneuver with his motorboat and hits the stern of a moored sailing yacht. The hull is damaged and the swim platform needs replacing. The insurance covers repairs to the other boat.
Personal injury from wake
Martina drives her sports boat too fast past a fishing jetty. The resulting wake causes an angler to lose balance, fall and injure his leg. The insurance covers medical treatment and compensation.
Pollution in harbor waters
A technical fault causes oil to leak from Sebastian's boat into the harbor basin. The fire department must intervene and the harbor authority issues a bill. The insurance covers environmental and administrative costs.
Frequently asked questions
Is this insurance mandatory?
No, it is not mandatory in Germany, but countries like Italy, Spain or Denmark require it for certain vessel types.
What exactly does it cover?
It covers the costs of damage you cause to third parties with your boat: personal injury, property damage, environmental damage and financial loss.
Is it valid abroad?
Yes, we offer worldwide coverage and a free special confirmation for waters where proof is required.
Do you have a boat or a yacht?
Protect your assets against third-party claims with worldwide coverage.
Request free advice