What is Yacht Insurance?
A Yacht Insurance is a specialized insurance for luxury, valuable pleasure craft. Whether you want an elegant Motor yacht, a classic sailing yacht or an imposing one superyacht property: your investment deserves the best protection.
Unlike standard boat insurance, yacht insurance offers higher insured sums, more extensive coverage and specialist conditions. Think about crew insurance, charter coverage, global protection and WA limits up to €10+ million.
A hunt is originally a Dutch word from the 14th century: yachts were used to chase smugglers. After the Eighty Years' War it transformed into one luxury pleasure boat for the elite. Today a yacht is synonymous with comfort, luxury and prestige.
What Type of Yacht Do You Have?
Motor yacht
Luxury, comfort, speed. Flybridge, cruiser, sports cruiser.
10 - 25 meterssailing yacht
Classic or modern. Cabin sailing yacht, regatta yacht.
10 - 30 meterssuperyacht
25+ meters, crew, ultimate luxury.
25 - 50+ metersMotor sailor
Sail + engine combined. Comfort on long tours.
12 - 20 metersWhich Coverage Suits Your Yacht?
WA (Liability)
Basic cover for damage to third parties
- ✓ Damage to third parties €5-10 million
- ✓ Mountains & lights boat
- ✓ Assistance at sea
- ✗ Own yacht not covered
- ✗ Theft not covered
WA + Casco
+ Cover for your own yacht
- ✓ Everything from WA
- ✓ Fire, storm, lightning
- ✓ Theft & vandalism
- ✓ Collision & sinking
- ✗ Own defect not covered
WA + Casco Plus
All risk: maximum protection
- ✓ Everything from Casco
- ✓ Own defect (material defect)
- ✓ Ground disturbance
- ✓ Fixed appraisal value
- ✓ New value guarantee 3 years
🏆 Superyacht & Megayacht Insurance
For yachts from 25 meters, specialists offer exclusive coverage:
👥 Crew insurance
Professional crew (captain, steward, engineer) are also insured for liability, accidents and illness during employment.
📋 Charter coverage
Do you rent out your superyacht? Special charter insurance covers damage during rental, including guest and crew liability.
🌍 Worldwide Coverage
From the Mediterranean to the Caribbean, from the Atlantic crossing to the Pacific. Sail where you want with complete protection.
💎 Fixed Value Payment
In the event of a total loss, you will receive the full agreed appraisal value, without residual value deduction. Buy an equivalent yacht immediately.
🏆 Premium Hunting Brands
All yacht brands insurable. From series production to custom superyachts:
🛥️ Motor yachts
🇳🇱 Dutch Builders
🗺️ Sailing Areas & Coverage
Choose the sailing area that suits your hunting adventures:
💡 The further away from home, the higher the premium. Specialists such as Pantaenius, Lloyd's or London are available for worldwide coverage.
🔐 Security requirements Hunting
Insurers set security requirements for theft coverage:
- 🔒 Tie up yacht: Approved chains/cables on scaffolding
- 🚤 Tender/dinghy: Secure with lock/cable, store out of sight
- 📍 GPS tracking: Often mandatory for valuable yachts
- 🏠 Marina: Secure marina with camera surveillance
- 🔑 Key management: Remove keys when not in use
💰 Premium indication Hunting
| Type Hunting | Value | Complete airframe |
|---|---|---|
| Motor yacht (up to 12m) | €100,000 - €300,000 | €25-€80/month |
| Motor yacht (12-18m) | €300,000 - €800,000 | €80-€200/month |
| Sailing yacht (10-15m) | €150,000 - €500,000 | €50-€150/month |
| Large yacht (18-25m) | €800,000 - €3,000,000 | €200-€500/month |
| Superyacht (25m+) | €3,000,000 - €10,000,000+ | €500-€2,500+/month |
* Indicative, approximately 0.5-1.5% of hunting value/year. Exact premium depends on value, type, 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
- ✓ Maximum: Up to 50% no-claim discount possible
- ✓ Transferable: Take no-claims with you when transferring
⚠️ Not Covered / Exclusions
- ✗ Normal wear and tear: Aging, osmosis, corrosion
- ✗ Inadequate maintenance: Damage due to overdue maintenance
- ✗ Alcohol/drugs: Damage under the influence is not covered
- ✗ Unsecured: Theft without approved security
- ✗ Outside sailing area: Damage outside selected area
- ✗ Commercial shipping: Unless charter option taken out
🚢 Yacht Chartering / Renting
Do you rent your yacht privately or commercially? NB:
- 📋 Not covered by default: Rental is excluded by default
- ✓ Charter coverage: Additional insurance possible
- 👥 Guests: Include third party insurance for guests
- 👨✈️ Skipper: Professional skipper often required
💡 Tips for Yacht Owners
- ✓ Have a valuation carried out: Current valuation for correct sum insured
- ✓ Fixed value scheme: In the event of a total loss, no discussion about value
- ✓ Insuring the dinghy: Tender/dinghy are often insured for free
- ✓ Check contents: Please mention nautical equipment and water toys separately
- ✓ Apply for IVB: International Certificate of Insurance for abroad
- ✓ Choose a specialist: Specialized yacht insurers for tailor-made solutions
🌍 Sailing Abroad
Popular hunting destinations have specific requirements:
- 🇮🇹 Italy: WA required + Italy Certificate (Italian)
- 🇭🇷 Croatia: WA required + IVB + boating license
- 🇬🇷 Greece: WA mandatory + IVB
- 🇪🇸 Spain: WA required
- 🏝️ Caribbean: Specialist insurance, higher premium
Specialized Yacht Insurers
These insurers have extensive experience with (super)yachts:
