Why Insure Your Boat?
A Recreational boat insurance protects your boat from damage and liability. Whether you have a sloop, powerboat, sailboat or hunt property: with the right insurance you can sail on the water without any worries.
There is boat insurance in the Netherlands not legally required, but many marinas and moorings require at least third party liability insurance. In addition, your AVP (private liability insurance) often no boats with more than 4 hp engine power.
By means of compare boat insurance policies you will find the best price-quality ratio. Pay attention not only to the premium, but also to coverage, deductible and conditions. Of no-claim discount up to 40% your premium becomes cheaper for each claim-free year.
Which Coverage Suits You?
WA (Liability)
Basic coverage for damage to others
- ✓ Damage to third parties €5-7.5 million
- ✓ Mountains & lights boat
- ✓ Towing & transport
- ✓ No deductible
- ✗ Own boat not covered
- ✗ Theft not covered
WA + Limited Casco
+ Coverage for own boat
- ✓ Everything from WA
- ✓ Fire & explosion
- ✓ Storm & lightning
- ✓ Theft & vandalism
- ✓ Contents also insured
- ✗ Own debt not covered
WA + Full Casco
All risk: maximum protection
- ✓ Everything from Limited Casco
- ✓ Collision & own fault
- ✓ Frost & material defects
- ✓ Road transport
- ✓ Sink covered
- ✓ New value guarantee (3 years)
Which Boat Do You Want to Insure?
sloop
Most popular boat type in the Netherlands. Ideal for inland waterways.
powerboat
Fast vessels, cabin boats and cruisers.
sailboat
From open sailing boat to sailing yacht.
hunt
Luxury motor and sailing yachts.
🚣 Also to be insured:
Speedboat, jet ski, dinghy, canoe, kayak, surfboard, personal watercraft, cruiser and all other pleasure craft.
🌍 Choose your sailing area
Your premium depends on where you sail. Choose only what you need:
🇳🇱 Netherlands Basic
Inland waters, excl. IJsselmeer, Wadden Sea, coast. Lowest premium.
🇳🇱 Netherlands Extensive
All Dutch waters + up to 20 nautical miles from the coast.
🇪🇺 Europe Inland Waterways
All European inland waters + 20 nautical miles from the coast.
🌊 European Seas
Incl. Mediterranean Sea, Baltic Sea. For seaworthy boats.
➕ Additional Coverages
Expand your insurance with additional modules:
🚑 Accidents Passengers
Benefit in the event of death or permanent disability of passengers.
⚖️ Legal assistance
Legal assistance in conflicts after collision or damage claims.
🔧 Breakdown Assistance on Water
Breakdown assistance: towing, repair, replacement boat.
🔑 Rental Private individuals
Rent a boat up to 60 days/year. Only with Full Casco.
🚗 Trailer Insurance
Insure your boat trailer with a drawbar lock required.
🏆 Competition sailing
Coverage during matches (often excluded in basic).
🔍 What should you pay attention to when comparing?
- 💰 Premium: Not the cheapest but the best value for money
- 🎯 Deductible: €0 to €50,000 value with some insurers
- 📈 No-claim discount: Up to 40% discount for damage-free sailing
- 🛡️ Coverage: WA, Limited Casco or Full Casco
- 🌍 Sailing area: Only pay for where you actually sail
- 📋 Conditions: Please note exclusions and security requirements
- 🏠 Contents: Free co-insured with Casco (up to 20-40%)
- ⏰ New value guarantee: 3 years full purchase value
📈 No-Claim Discount: Save up to 40%
Every year that you sail claim-free, you build up a no-claim discount:
- ✓ 1 year damage free: 10% discount
- ✓ 3 years damage free: 20% discount
- ✓ 5+ years claim-free: 30-40% discount
- ✓ Transferable: Take your no-claim with you to the new insurer
💰 Premium indication for Boat Insurance
| Type Boat | Value | WA | Complete airframe |
|---|---|---|---|
| sloop | €10,000 - €25,000 | €3-€5/month | €8-€15/month |
| powerboat | €25,000 - €75,000 | €5-€8/month | €15-€35/month |
| sailboat | €30,000 - €100,000 | €6-€10/month | €20-€45/month |
| Motor yacht | €100,000 - €250,000 | €10-€15/month | €50-€100/month |
| Sailing yacht luxury | €250,000+ | €15-€25/month | €100-€150+/month |
* Indicative prices. Exact premium depends on year of construction, sailing area, deductible and claim-free years.
🌍 Sailing Abroad
In many European countries, third party boat insurance is mandatory:
- 🇮🇹 Italy: WA required + special Italy Certificate required
- 🇪🇸 Spain: Third party liability mandatory, international insurance certificate (IVB)
- 🇬🇷 Greece: WA required
- 🇭🇷 Croatia: WA required
- 📋 IVB: Request an international insurance certificate in the national language
🔐 Security requirements
Insurers impose requirements on the security of your boat:
- 🔒 Boat: VBV-approved lock, attach to scaffolding/shore
- 🚗 Trailer: Drawbar lock or wheel clamp (approved)
- ⚙️ Outboard motor: Special lock for outboard motors
- 🏠 Storage: Enclosed area with permanent supervision
- 🎁 Discount: Up to 10% discount on security products
⚠️ Not Covered / Exclusions
- ✗ Business use: Private recreational use only
- ✗ Wear: Normal wear and maintenance
- ✗ Alcohol: Sailing under the influence of alcohol/drugs
- ✗ Competitions: Often excluded (unless co-insured)
- ✗ Major cities: Sometimes restrictions A'dam, R'dam, Utrecht, The Hague
- ✗ Damage in own port: Sometimes not covered by some insurers
💡 Tips For Your Boat Insurance
- ✓ Compare terms: Not only premium, but also coverage and deductible
- ✓ Correct value: Insure for current value or new value (first 3 years)
- ✓ Adjust sailing area: Smaller sailing area = lower premium
- ✓ Winter storage: Check whether the boat is also covered in storage
- ✓ KNRM app: Download for emergencies on the water
- ✓ Claim-free years: Take no-claims with you when transferring
