Liability
- Collision and jetty damage
- No legal obligation
- Often required by the marina
Own damage · liability · sailing area
Insuring a Skyboot
On a compact motorboat such as a Skyboot the risk rarely lies in rough water, but in the motor, the trailer and the place where the boat is kept out of season.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Skyboot verzekeren.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
You insure a Skyboot as a pleasure craft, but the risk of damage lies differently from a cabin yacht in a permanent berth. A compact open boat goes on the trailer more often, lies at a jetty or at home during the season and stands ashore the rest of the year. As a result the key policy provisions turn not on sailing area and seaworthiness, but on theft, transport and storage.
The motor is the most sensitive part in this. An outboard motor can be detached in a short time and is stolen on its own, even if the boat itself stays where it is. Insurers counter that with a security clause: an approved motor lock, a locked site or a particular form of storage. If such a requirement appears on your policy schedule, it is not advice but a condition. If the security was not fitted or not used at the time of the theft, the insurer may refuse to pay.
Osmosis, corrosion and wear remain excluded, as do damage from deferred maintenance, taking part in speed races, sailing without the required boating licence and hiring the boat out without declaring it. Deliberate acts and recklessness fall outside the cover under Article 7:952 of the Dutch Civil Code. For the general structure of the policy, the valuation and the sailing area, see the pleasure craft insurance.
What does the insurance cover?
Three components that you choose separately, with an overview per situation below.
Own-damage cover
Damage to the boat, the engine and the fixed equipment.
- Fire, storm and sinking
- Theft
- Collision and grounding
Extensions
What you add separately.
- Trailer on the road
- Occupants
- Salvage and wreck removal
What is covered
| Situation | Liability | Own-damage cover |
|---|---|---|
| Damage to another vessel or a jetty | Yes | No |
| Theft of the boat or the outboard motor | No | Provided that |
| Fire and storm damage in the berth or ashore | No | Yes |
| Sinking through a leak or through rainwater | No | Provided that |
| Salvage and removal of the wreck | Provided that | Provided that |
| Osmosis, wear and deferred maintenance | No | No |
There is no statutory insurance requirement for pleasure craft. The WAM applies only to motor vehicles. Marinas, harbours and hire companies do generally require liability cover. Pay attention to the sailing area described and to the lay-up or winter storage period: outside the sailing area or during undeclared storage, cover may lapse.
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
Where things go wrong in practice
Four points that determine whether the policy actually pays out in the event of a claim.
The motor is a risk item in its own right
When you apply, give the make, type, power and serial number of the motor and keep the purchase invoice. In the event of theft that serial number is the only way to identify the motor, and without those details a claim becomes difficult. Also check whether the motor falls under the same sum insured as the boat or is listed separately, and what security the insurer requires. A motor on a boat that is on a trailer is a different risk from a motor on a boat in a supervised marina.
On the road, the rules of your motor insurance apply
If the boat travels on a trailer behind the car, the coupled trailer is covered for damage to others by the liability cover of the towing vehicle. That obligation follows from Article 2 of the Dutch Motor Insurance Liability Act (WAM). Once uncoupled and at a standstill, that no longer applies. For the boat itself it is a separate question: not every boat policy covers damage during transport by road. And the trailer is never covered by the boat insurance, but by a policy of its own or by the trailer cover on the car.
Storage at home is not storage in a marina
If the boat stands on the driveway, beside the shed or on an unsecured site, that is a different risk for the insurer from a supervised yard or a locked shed. Give the actual storage address and report any change, for example when you leave the boat at a relative's for a winter. Frost damage because the motor, the cooling system or the pipework has not been drained counts as inadequate maintenance and is not paid for, wherever the boat stands.
Guests on board and watersports behind the boat
An open boat rarely goes out alone. If someone on board is injured without anyone being liable, the liability cover pays nothing. That is what the cover for people on board is for, paying a fixed amount on permanent injury or death. If you tow someone on a board, a ski or a banana boat, check that this is permitted; many policies exclude towing activities and high-speed use or require them to be listed separately. Report a claim as soon as is reasonably possible (Article 7:941 of the Dutch Civil Code).
Winter storage and transport by road
Almost every policy has a lay-up period with limited cover and a lower premium. In those months cover generally remains only for fire, storm and theft. Frost damage because the motor, the cooling system or the pipework has not been drained is not paid for; that counts as inadequate maintenance. Transport by road also calls for attention: not every boat policy covers damage during transport on a trailer, and the trailer itself is never covered by the boat insurance but by a separate policy or the trailer cover on your motor insurance.
Wear and maintenance remain at your expense
Defects that develop gradually — osmosis, corrosion, wood rot and wear: are covered nowhere, and the same applies to damage caused by deferred maintenance. Also excluded are taking part in speed races, sailing without the required boating licence and hiring the boat out without declaring it. Damage caused deliberately or recklessly falls outside the cover under Article 7:952 of the Dutch Civil Code. On the application, state the mooring, engine power and use correctly (Article 7:928 of the Dutch Civil Code) and report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
What does your premium depend on?
- Value of the boat and the motor together. Purchase invoice or valuation, and whether the motor falls within the same sum insured or is listed separately.
- Engine power and top speed. Determines the risk class and whether a boating licence is required for the craft.
- Form of storage out of season. Driveway, garden, locked shed or supervised yard. The theft risk differs greatly between them.
- Security of the hull and the motor. A motor lock, a trailer lock and the question of whether those requirements appear as a clause on the policy schedule.
- Transport on a trailer. Whether transport by road is included and how often the boat is actually moved.
- Use and people on board. Day trips with guests, towing activities behind the boat and the cover chosen for people on board.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
This is what people ask us most.
Is the outboard motor separately covered?
That varies from policy to policy. Sometimes the motor falls within the sum insured for the boat, sometimes it appears as a separate object on the policy schedule. Always give the make, type, power and serial number, and keep the invoice. For theft, a security requirement applies almost everywhere, such as an approved motor lock; if that security is missing at the moment of the theft, cover lapses.
Who pays if the trailer with the boat comes loose?
Damage to others caused by a coupled trailer falls under the liability insurance of the towing vehicle. That follows from Article 2 of the WAM. Once the trailer has come uncoupled and stopped, that no longer applies. Damage to your own boat is covered only if transport by road is included in the boat policy, and the trailer itself always needs cover of its own.
May the boat stand on my driveway at home?
It may, but for the insurer that is a different risk from a supervised yard, and it can lead to a higher premium or a security clause. Give the storage address and report any change, including a temporary one. In winter, remember to drain the motor, the cooling system and the pipework; frost damage is treated as inadequate maintenance and is not paid for.
Do I need a boating licence?
For pleasure craft capable of more than 20 kilometres per hour, and for vessels longer than 15 metres, the small craft boating licence applies. On a compact motorboat the engine power is therefore decisive. If you sail without the required licence, that is an exclusion on almost every policy and the insurer does not have to pay the own-damage claim. Check that before your first trip.
Read more
Within Compare pleasure craft insurance
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Is your boat properly insured?
Request a quote without obligation. We check the sailing area, the sum insured and the cover during storage and transport.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.