Private & recreatie • Pleziervaartuigverzekering • Jacht
Yacht insurance – yacht insurance for your motor yacht, sailing yacht or exclusive yacht
A hunt staat For comfort, vrijheid en vaak een aanzienlijke investering. Of u nu vaart met een motor yacht, sailing yacht, cabin yacht or exclusive yacht, u wilt zeker weten dat u goed bent beschermd. A passende yacht insurance covers Liability, aanvaringsschade, diefstal, brand, storm, vandalisme en andere onvoorziene gebeurtenissen.
Finass Verzekert is a specialist in this pleasure boat insurance and takes care of one tailor-made yacht insurance. We compare verschillende jachtverzekeraars en stemmen de dekking af op waarde, vaargebied, motorvermogen, ligplaats, gebruik en eventuele bemanning.
Yacht insurance in brief
Yacht Insurance? Met de jachtverzekering van Finass is insured uw jacht – van comfortabel motorjacht tot exclusief jacht – uitstekend verzekerd. Wij zorgen voor customization based on your sailing profile.
Main features
- Coverage for Liability (WA) and damage to your own yacht (casco).
- Possibility to expand with P&I elements (Protection & Indemnity-like coverage) for larger or exclusive yachts.
- Option to tender/dinghy, navigation equipment, contents and passengers to insure.
- Coverage tailored to international sailing area, berth, crew and use.
We (Finass Verzekert) compare yacht insurance with leading insurers, so that you can get the best and most affordable premium with appropriate conditions.
Why insure your yacht?
Protection of a valuable asset
A jacht vertegenwoordigt vaak A aanzienlijk kapitaal. Schade door aanvaring, grondberoering, brand, storm of A incident tijdens manoeuvreren kan grote financiële gevolgen hebben. A goede yacht insurance protects your investment.
Liability on the water
Als eigenaar of schipper van een jacht bent u aansprakelijk For schade die u of uw jacht veroorzaakt aan anderen. Denk aan schade aan andere vaartuigen, steigers, objecten of letsel bij derden. Een Third party liability coverage and possibly P&I-style coverage are indispensable, especially on larger yachts.
International use and crew
Veel jachten varen niet alleen in Nederland, maar ook in andere Europese wateren of op zee. Heldere afspraken over sailing area, crew and passengers zijn essentieel. Met een passend pakket aan Coverages is uw jacht wereldwijd of binnen Europa goed verzekerd (polisafhankelijk).
✔ Protection against liability, damage, theft and storm
✔ Customization for motor yachts, sailing yachts and exclusive yachts
✔ Choose from WA, limited shell, full shell (all-risk) and additional P&I elements
Benefits of yacht insurance through Finass Verzekert
Expertise in yacht and exclusive insurance
Finass is insured specialized in yachts and exclusive pleasure boats. We know:
- which companies accept yachts with higher values and capabilities;
- how mast, rigging, machinery and electronic damage are assessed;
- which additional clauses are required for professional use or crew.
Competitive premium, strong conditions
We compare premiums and policy conditions from several yacht insurers. We pay attention to, among other things:
- hull cover in the event of collision, fire, theft, storm and vandalism;
- amount of the liability limits (third party liability and any P&I coverage);
- scheme for general average, salvage and wreck removal;
- conditions for mooring, storage and security.
You will receive a clear proposal with the best value for money for your yacht.
Personal advice and claims assistance
In the event of damage or incidents to your yacht, you will receive:
- personal guidance in reporting damage and file building;
- coordination with experts, yards and repairers;
- advice on changes such as refit, extension or engine change.
One fixed point of contact for everything regarding your yacht insurance – from application to claim settlement.
Which yachts do we insure?
Below hunt we mean high quality motor yachts, sailing yachts and cabin yachts die voor Recreation, toervaren of (beperkt) zakelijk gebruik worden ingezet.
Motor yachts
- displacement and semi-gliding motor yachts;
- flybridge and hardtop yachts;
- steel, polyester or aluminum yachts;
- yachts with one or more engines (diesel/electric).
Sailing yachts and cabin yachts
- cabin sailboats and touring yachts for inland waters and coastal seas;
- performance yachts with extensive rigging and sail wardrobe;
- sailing yachts with dinghy/tender and extensive navigation;
- occasional competition use (in consultation, policy dependent).
For more intensive competition use or distant sea areas, we look at the options per insurer.
Exclusive (and larger) yachts
For exclusive yachts and higher insured amounts customization is often required. We then look at:
- type of yacht, year of construction, shipyard and finishing;
- value, equipment and crew, if any;
- international sailing area (e.g. Mediterranean Sea, North Sea);
- options for extended liability and P&I elements.
Together we inventory the risks and choose the most suitable yacht insurer.
Yacht insurance coverage: third party liability, hull and P&I elements
A yacht insurance consists roughly of three pillars: WA (liability), hull coverage and – for larger or exclusive yachts – sometimes additional ones P&I-style coverage. Below are the main points.
Legal liability (WA)
The basic coverage for every yacht. This insurance reimburses the damage you cause to third parties with your yacht:
- damage to other vessels, jetties and objects;
- personal injury to third parties;
- sometimes environmental damage (e.g. fuel leakage) according to the policy.
Damage to your own yacht is not insured with third party liability alone.
Hull yacht insurance (limited hull & all-risk)
The hull coverage reimburses (a large part of) the damage to your own yacht. You can usually choose from:
- Limited airframe (WA+): cover for, among other things, fire, theft, storm, broken windows and some external disasters.
- Complete hull (all risk): meest uitgebreide dekking, inclusief eigen schade door aanvaring, vastlopen, manoeuvreerfouten en andere onvoorziene gebeurtenissen.
For expensive yachts, a complete hull is usually the most suitable choice.
P&I elements (Protection & Indemnity-like)
For larger or exclusive yachts, this is partly possible P&I-style coverage are desirable. Consider:
- expanded liability for passengers and crew;
- costs of salvage, clearance and wreck removal;
- certain recovery and rescue costs;
- more extensive coverage for international shipping.
We will assess together with you whether and in what form such additional coverage is necessary.
Additional coverage: passengers, equipment, tender, legal assistance
- Passenger insurance: payment in the event of permanent injury or death of passengers following an accident.
- Equipment and furnishings: coverage for navigation equipment, electronics, furniture, water toys and personal belongings on board.
- Tender / dinghy: insure a rubber boat or tender as part of the yacht.
- Legal aid: legal support in conflicts about damage, contracts or liability surrounding the yacht.
Insured value, valuation and deductible
A good valuation is important for yachts. Insurers look at:
- The sum insured: current value, new value or (periodic) appraisal report;
- depreciation rules for hull, engine(s), electronics and equipment;
- the chosen own risk per claim (higher deductible = often lower premium);
- the term and any indexation of the policy.
We help you determine a realistic value and appropriate deductible, tailored to your yacht and wishes.
Sailing area, use and crew of your yacht
Sailing area / sailing route
It sailing area (navigation area) is explicitly stated in the policy. Examples:
- only Dutch inland waterways;
- Netherlands + coastal water and Wadden Sea;
- Benelux and surrounding waters;
- more extensive European sailing area, including North Sea or Mediterranean Sea (policy dependent).
Vaart u (regelmatig) buiten Nederland of op zee, geef dit dan duidelijk aan bij de Quotation. Zo zorgen we voor een yacht insurance that suits your sailing area.
Usage, crew and speed
Insurers look at:
- use: private recreational use, self-managed charter, representation;
- any crew (skipper, crew) and their experience;
- maximum speed and engine power;
- mooring (marina, box, private jetty, abroad);
- winter storage (shore, shed, in the water) and security.
The better your risk profile (experience, maintenance, security), the better more attractive premium conditions.
What determines the premium of your yacht insurance?
Features of the yacht
- make, type, yard, year of manufacture and length;
- hull material (steel, aluminum, polyester, composite);
- number of engines, type (diesel, petrol, electric) and power;
- value of yacht, equipment and electronics;
- any valuation or expert report.
Use, sailing area and mooring
- nature of use (private, business under own management, limited charter within own circle);
- sailing area (inland waters only, also coastal/sea areas, abroad);
- berth and port facilities;
- winter storage and maintenance schedule;
- security (lock, alarm, cameras, tracking).
Coverage, deductible and claims history
- selected coverage: third party liability, limited comprehensive, full comprehensive (all-risk);
- any P&I-type additions and extra coverage;
- amount of the deductible per damage;
- claim-free years and damage history with boats/yachts;
- possible package discount when combined with other insurance policies.
You will receive one based on your information non-binding premium indication for your yacht.
Curious about what your yacht insurance costs?
Request one immediately no-obligation quote On.
Who is yacht insurance suitable for?
Private yacht owners
Ideal for owners who:
- recreational sailing with their yacht on inland and coastal waters;
- taking multi-day trips and holidays with family or friends;
- owning a yacht of significant value;
- want to be sure of good coverage in the event of damage or theft.
Owners of exclusive yachts
Suitable for owners who:
- own an exclusive or higher segment yacht;
- regular international sailing (e.g. North Sea, Mediterranean Sea);
- deploy crew for management and navigation;
- seeking tailor-made coverage, limits and conditions.
Owners with multiple vessels
In addition to your yacht, do you have a sloop, RIB, speedboat or sailboat? Then we can:
- bring all your vessels into one clear insurance package;
- view or package discount possible on your total premium;
- coordinate your entire insurance package (home, car, boats, business risks).
Frequently asked questions about insuring a yacht
What exactly is yacht insurance?
A yacht insurance is a pleasure boat insurance that is specifically tailored to motor yachts, sailing yachts and (semi-)exclusive yachts. The insurance covers at least... liability (WA) voor schade aan derden en kan worden uitgebreid met cascodekking voor schade aan het jacht zelf en – bij grotere jachten – soms P&I-style coverage voor aanvullende aansprakelijkheidsrisico’s.
Which yachts can I insure through Finass Verzekert?
In principle you can insure most recreational and exclusive yachts, such as:
- motor yachts (displacer, semi-glider, planing);
- sailing yachts and cabin sailing boats;
- touring yachts for longer holidays;
- exclusive and higher segment yachts (in consultation).
For very expensive or special yachts, we look at what is possible per insurer and situation.
Is yacht insurance mandatory?
In the Netherlands there is one yacht insurance or third party boat insurance niet overal wettelijk verplicht. In de praktijk eisen veel havens, jachthuizen, stallingbedrijven en buitenlandse vaargebieden echter wél een minimale aansprakelijkheidsdekking. Omdat schade op het water kostbaar kan zijn, is een yacht insurance highly recommended.
What is the difference between third party liability, hull and P&I coverage?
In short:
- WA: reimburses the damage you cause to others with your yacht (damage to third parties).
- Airframe (limited airframe / full airframe): vergoedt (A groot deel van) de schade aan uw eigen jacht door o.a. aanvaring, brand, diefstal, storm en vandalisme.
- P&I-style coverage: bij grotere jachten aanvullende aansprakelijkheids- en kostenvergoedingen, bijvoorbeeld For opvarenden, berging, wrakopruiming en bepaalde internationale verplichtingen.
Which combination is suitable depends on the type of yacht, value, sailing area and use.
Am I also insured abroad with my yacht insurance?
That depends on what is included in the policy sailing area. Vaak kunt u kiezen uit uitsluitend Nederlandse wateren, Benelux, bepaalde kustgebieden of een ruimer Europees sailing area. Vaart u in het buitenland, bijvoorbeeld op de Middellandse Zee, dan moet dit expliciet in de dekking zijn opgenomen. Bij de offerteaanvraag kunt u aangeven waar u wilt varen, zodat wij een passende polis selecteren.
Are tender, dinghy and water toys included in the insurance?
In many cases, in addition to the yacht itself, the following can also be insured:
- tender or dinghy, including outboard motor(s);
- water toys such as SUPs, pedal boats or jet skis (depending on policy);
- navigation equipment, electronic aids and other equipment.
Geef bij de offerte duidelijk aan welke extra vaartuigen en uitrustingsstukken u wilt meeverzekeren, zodat hiermee in de dekking en sum insured rekening wordt gehouden.
Can crew and passengers receive coverage?
Yes, usually via:
- A accident or crew insurance for passengers (incl. owner);
- additional liability coverage for yachts with professional crew;
- possibly P&I-like components for larger or exclusive yachts.
Depending on the composition of the crew and passengers, we determine which solutions are appropriate.
How is my yacht insurance premium calculated?
The premium depends, among other things, on:
- type of yacht, year of construction, length and value;
- engine power, number of engines and maximum speed;
- sailing area, mooring and winter storage;
- chosen coverage (third party liability, hull, any P&I elements) and deductible;
- claim-free years and previous damage to vessels;
- possible package discount for multiple insurance policies.
What information is required for a yacht insurance quote?
For a suitable and competitive quote, we ask, among other things:
- make, type, yard, year of construction, length and material of the yacht;
- value of yacht, equipment and electronics (possibly appraisal report);
- data of engine(s): brand, type, power (hp/kW), year of construction;
- mooring, sailing area, winter storage and security;
- method of use (private, self-managed business, international use);
- desired coverage and any additional coverage (passengers, tender, contents, legal assistance);
- your personal data and an overview of any previous damage.
Finass Verzekert compares on this basis various yacht insurance policies en ontvangt u A helder voorstel op maat.
Insure your yacht? Request a no-obligation quote
Do you want your yacht? good and competitively priced insurance? Finass Verzekert helps you with one tailor-made yacht insurance, tailored to your sailing area, mooring, use, crew and wishes.
Request a yacht insurance quote
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl. Wij nemen uw situatie rustig door en adviseren welke yacht insurance het beste bij u past.
