Boat & Yacht Insurance
Liability & hull cover for worry-free sailing
Whether it is a relaxing trip on the lake or a fast run on the open sea, your boat or yacht lets you enjoy the vastness of the water and the feeling of freedom. Our boat insurance keeps you on course and fully protected against risks at sea, in the harbor and during transport.
Benefits of this insurance
Covers you and your boat for personal injury and property damage, tailored to your needs as an owner.
Coverage for domestic and international trips, mooring damage and while transporting the boat.
Pay only for the months you actually use your boat, with up to 20% discount.
Coverage comparison
| Nautic (Liability + Hull) | Nautic Plus (Liability + Hull Plus) | |
|---|---|---|
| Personal injury and property damage | €5 or 10 million | €5 or 10 million |
| Financial loss | €100,000 | €100,000 |
| Accident (sinking, capsizing, vandalism) | ||
| Fire, scorching, lightning, explosion | ||
| Storm from force 8 and force majeure | ||
| Break-in theft, robbery | ||
| Theft of the vessel | ||
| Theft of the outboard motor | ||
| Theft of the life raft | ||
| Damage to masts and spars | ||
| Damage to machinery | ||
| Trailer | ||
| Total loss compensation | Market value | Agreed valuation |
| No new-for-old deduction | Partial | |
| No-claims discount | Up to 50% | Up to 50% |
Additional modules and benefits
Seasonal insurance
Take out coverage only from March 31 to October 31 and get a 20% discount on your premium.
Regattas and transport included
Participation in regattas and transport of your boat are covered at no extra cost.
Discount after claim-free years
After five claim-free years, your deductible is cut in half.
What is covered
Liability insurance
Covers legitimate third-party claims arising from private use of recreational boats, for example if you ram another boat while entering harbor.
Hull insurance (Kasko)
Covers damage to the insured vessel itself: hull, fittings, technical equipment, accessories, engine and sails.
What is not covered
Manufacturing defects
Design, manufacturing or material defects, as well as normal wear or weather-related damage, are not covered.
Unqualified skipper
Damage caused by an unqualified skipper is excluded.
Political risks
Political risks such as war or strikes are not covered.
Real claim examples
Theft of the outboard motor
During a weekend trip, Karl docks his boat at a jetty. The next morning he finds the high-value outboard motor stolen despite being secured. The insurance covers the stolen motor.
Grounding with hull damage
Leaving a shallow bay, the Berger family fails to spot an unmarked underwater obstacle. The boat runs aground, damaging the hull and letting in water. The insurance covers the repairs.
Total loss from fire
Albert's boat catches fire due to a technical fault in the engine room and burns completely. Thanks to his insurance, he receives the replacement value of the boat.
Frequently asked questions
What is hull insurance?
Unlike liability insurance, hull insurance also covers damage to your own boat, not just to third parties.
What exactly does the boat insurance pay?
It protects against total loss or partial damage to your privately used vessel, for example from natural forces, an accident or theft.
What determines the price?
The type of vessel, year built, engine power, the chosen plan, and whether you opt for seasonal coverage.
What happens if I sell my boat?
The hull insurance transfers with all rights and obligations to the buyer; both buyer and insurer have a right of termination.
In which areas is the insurance valid?
Within Europe on land, on inland waters, the North and Baltic Seas, the Mediterranean and the Atlantic coast up to 200 nautical miles including the Canary Islands, with some exclusions such as the Black Sea.
Do you have a boat or yacht to protect?
Tell us the type of vessel and we will help you choose between Nautic and Nautic Plus.
Request free advice