What is Sailboat Insurance?
A Sailboat Insurance protects your sailboat against damage, theft and liability. Whether you have a open sailboat for day trips or one cabin sailing yacht for long sailing trips: good insurance is essential.
Sailboats have specific parts that require extra attention: sails, mast and rigging (stays, shrouds, sheets) are expensive to repair or replace. With a good sailboat insurance policy, these parts are included as standard.
From the Frisian lakes to the Mediterranean Sea, by Atlantic crossing to circumnavigation of the world: choose a sailing area that suits your ambitions. Specialists such as Pantaenius even offer worldwide coverage.
What Type of Sailboat Do You Have?
open sailboat
Sword boat, dinghy, day tripper. Day trips, sailing lessons.
4 - 8 meterscabin sailing yacht
With cabin, overnight stay, cruising. Most popular.
8 - 15 metersSailing yacht (large)
Blue water cruiser, ocean seaworthy.
15 - 25+ metersCatamaran
Two hulls, stable, spacious. Long distance travel.
10 - 20 metersWhich Coverage Suits Your Sailboat?
WA (Liability)
Basic coverage for damage to others
- ✓ Damage to third parties €5-7.5 million
- ✓ Mountains & lights boat
- ✓ Assistance at sea
- ✗ Own boat not covered
- ✗ Sails/rigging not covered
WA + Casco
+ Coverage for own boat
- ✓ Everything from WA
- ✓ Fire, storm, lightning
- ✓ Theft & vandalism
- ✓ Sails & rigging covered
- ✗ Own defect not covered
WA + Casco Plus
All risk: maximum protection
- ✓ Everything from Casco
- ✓ Collision & ground disturbance
- ✓ Own defect (material defect)
- ✓ Rigging damage covered
- ✓ New value guarantee 3 years
⛵ Sails, Mast & Rigging Insured
The specific parts of your sailboat deserve extra attention:
🎐 Sailing
Mainsail, jib, genoa, spinnaker. Included in the insurance with the hull. Damage due to storm, wear or tear. Please note: normal wear and tear is often excluded.
🗼 Mast & Boom
Mast, boom and boom are essential. Mast breakage can cause enormous damage. Covered with full hull including consequential damage to boat.
⚓ Rigging (Standing Rigging)
Stays, shrouds, stays, terminals. With Casco Plus, damage to the stays due to a defect (material defect) is covered.
🔗 Running Mitt
Shots, traps, lines. Maintenance is important. Replacement due to wear and tear is usually not covered, but damage due to accidental breakage is.
🏆 Popular Sailboat Brands
All sailboat brands insured. From series production to custom construction:
🗺️ Sailing Areas & Coverage
Choose the sailing area that suits your sailing adventures:
💡 The further away from home, the higher the premium. Specialists such as Pantaenius or Data Combination Yacht Insurance are available for worldwide coverage.
🏁 Sailing competitions & regattas
Do you participate in sailing competitions? Please note the conditions:
- ⛵ Club competitions: Often covered as standard with a complete shell
- 🏆 Official regattas: Additional coverage often required
- 📋 WA proof: Organizers often require proof of insurance
- ⚠️ Exclusions: Offshore races or extreme competitions are often excluded
🔐 Security requirements for sailing boats
Insurers set security requirements for coverage against theft:
- 🔒 Tie up boat: Approved chain/cable + lock on scaffolding
- ⚙️ Outboard motor: CCV-approved lock required
- 🚤 Dinghy: Also secure with lock/cable
- 📍 Major cities: Additional requirements in Amsterdam, Rotterdam, The Hague, Utrecht
💰 Premium indication Sailboat
| Type Sailboat | Value | Complete airframe |
|---|---|---|
| open sailboat | €5,000 - €25,000 | €10-€25/month |
| Cabin sailing yacht (up to 10m) | €25,000 - €80,000 | €25-€55/month |
| Cabin sailing yacht (10-15m) | €80,000 - €200,000 | €55-€120/month |
| Sailing yacht (15m+) | €200,000 - €500,000+ | €120-€250/month |
| Catamaran | €150,000 - €600,000+ | €100-€300/month |
* Indicative prices. Exact premium depends on length, year of construction, sailing area and claim-free years.
📈 No-Claim Discount: Save up to 50%
Every year of sailing without damage you build up a discount:
- ✓ 1 year damage free: 10% discount
- ✓ 3 years damage free: 20% discount
- ✓ 5+ years claim-free: 30-40% discount
- ✓ FBTO: Up to 50% no-claim discount possible
- ✓ No-claim protection: Insure against relapse
⚠️ Not Covered / Exclusions
- ✗ Normal wear and tear: Aging sails, osmosis hull
- ✗ Inadequate maintenance: Damage due to overdue maintenance
- ✗ Unsecured: Theft without approved security
- ✗ Rental: Not covered as standard (additional possible)
- ✗ Extreme competitions: Offshore races often excluded
- ✗ Outside sailing area: Damage outside selected area
💡 Tips for Sailboat Owners
- ✓ Casco Plus recommended: Including own defect for expensive rigging repairs
- ✓ Rigging maintenance: Replacing the rigging in time prevents damage
- ✓ Insuring the dinghy: Free if the main boat is a cabin sailing yacht
- ✓ Select sailing area: Not too spacious, but suitable for your plans
- ✓ Check contents: List nautical equipment separately
- ✓ Apply for IVB: International Certificate of Insurance for abroad
🌍 Sailing Abroad
Popular sailing destinations have specific requirements:
- 🇮🇹 Italy: WA required + Italy Certificate (Italian)
- 🇭🇷 Croatia: WA required + IVB + boating license
- 🇬🇷 Greece: WA required + IVB + boating license
- 🇪🇸 Spain: WA required
- 🌊 Atlantic crossing: Specialist insurance required (Pantaenius)
Specialized Sailboat Insurers
These insurers have extensive experience with sailing boats and sailing yachts:
