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Yacht insurance

Yacht insurance for your sailing yacht, motor yacht or boat, as the leading european nautical breakdown service, seahelp also offers insurance for boats and yachts., therefore trust in sea help yacht insurance, do you have any questions.

Robert Perger

Sea Help contact person for yacht insurance

Brief overview and coverages

Important note.

This is only a cover statement (as an example from Helvetia) where we believe this is important for our customers. Please refer to the general conditions for the full scope of insurance.

Your ship including accessories and indicated dinghy, all nautical equipment such as GPS, autopilot, all technical equipment, tarpaulin, solar panel, wind generator, even binoculars, radio, etc. are insured according to the conditions. Even personal belongings up to 10% of the total insurance sum (up to a maximum of EUR 3,500.-) are also insured in the event of loss through robbery or theft.

All risks such as collision, grounding, theft, fire, storm, hail, sinking, transport, ditching/retrieval, etc. are insured, with the exception of the exclusions listed in our terms and conditions.

It goes without saying that the sum insured selected by you is agreed as a fixed rate, which we use in accordance with all legal requirements in the event of damage.

Partial damages are reimbursed up to the amount of the sum insured on the basis of the repair invoice without deductions “new for old”.

If salvage and/or disposal is necessary, the resulting costs are covered with a sum of € 30,000!

The risk of land, sea transport and cranes is also insured.

You’ve touched ground with your ship. The necessary inspection costs, regardless of whether damage is found, are insured.

Such damage happens quickly. In order that you do not have to bear these costs, we do not exclude such damages.

Personal injury, damage to property, rent and financial losses are also insured.

For unjustified claims for damages on the part of third parties, the court and lawyer’s fees for legal defence will be paid.

Your ship has been damaged by a third party, who cannot pay due to insolvency or insufficient sum insured. With us you still have insurance cover.

Also insured are damages resulting from the use of dinghies belonging to the vehicle and of water sports equipment, if these are specified.

Covered (under liability) are losses arising, for example, from the pollution of water, including groundwater.

There is no deductible in the event of total loss of the insured boat due to burglary and damage caused by fire, arson and lightning. In the case of damage to dinghies and trailers documented in the policy, the deductible is generally € 500,-.

Insurance FAQ - Frequently asked questions

General questions about boat insurance.

Liability cover applies in the same area as comprehensive cover.

This problem can also be solved with the loss of receivables cover, which is insured free of premiums as part of the boat/yacht liability insurance (see the policy for the sum insured).

If a court-ordered claim for damages cannot be realized even by compulsory enforcement, your own boat/yacht liability insurance will treat you as an “accident victim”.

The prerequisite for this insurance cover is that the party responsible for the damage must have had their permanent residence in a state of the European Union or Switzerland at the time of the occurrence of the loss event.

The insurance cover does not include damage to the boat named in the policy, as this can also be insured under the proven hull cover in the event of third-party fault.

The permanent berth/location of the boat in summer and winter must be in Europe.

The so-called “blue cards”, also known as certificates, are no longer printed on blue paper, i.e. you will now receive these insurance certificates on white paper. However, there are no changes to the content.

Insurance cover begins at the earliest on the day of receipt by the insurer by post, fax or email. The application data and documents must also be complete.

The free transfer of the boat to authorized persons with a valid driver’s license is also insured.

No, but we can give a special discount if the boat is not being used and is only in the harbor or on land and is not being actively used.

If the vehicle is sold, the contract of sale must be sent to the insurer, as there is no automatic notification to the insurer of de-registrations and re-registrations by an official body. The seller then receives a pro rata refund of the premium. The buyer can then continue the insurance in his name with us, but a new contract will be concluded.

The notice period of 3 months before the contract expires must be observed in writing.

Our “SeaHelp Helpline” provides you with the fastest and best possible assistance in the event of a hull or liability insurance claim (even at sea). This ensures that in the event of a claim you receive immediate support 24 hours a day, 365 days a year in organizing the necessary claims handling measures for boat insurance.

Frequently asked questions about boat & yacht hull insurance

All risks are covered for the duration of the insurance, e.g. theft, fire, sinking, grounding, collision, etc.; everything is insured that is not expressly excluded.

In the event of damage, new parts are often used for restoration instead of the damaged used parts. This increases the value of the damaged boat. This increase in value (difference between new and used parts) will not be deducted. So no deductions new for old. Further information can be found in the respective conditions.

Insurance cover for your boat/yacht is provided for trips, transportation and stays within the sailing area on water and on land specified in the policy. In particular, the winter storage risk outside of waters in halls is therefore also included.

First and foremost, the policyholder (boat owner) is responsible for determining the value of the boat. Appraisals, valuations, other proof of value or photos are particularly helpful in this regard.

The insurer shall also reimburse expenses for lifting the wreck and for its removal (disposal costs). For further information, please refer to the relevant conditions.

Yes, a suitable anti-theft device must be fitted.

Yes, your outboard motor is included in the fully comprehensive insurance (all risks cover). It is important that you include the value in the sum insured.

(Example boat 40,000 euros / outboard 12,000 euros = total sum insured 52,000 euros)

These are items necessary for the practice of water sports, for example binoculars, compasses, measuring instruments and other nautical equipment that are not permanently attached to the vessel.

Yes, there is a no-claims bonus for boat and yacht hull insurance. The highest discount level is 40%.

You can insure your trailer against theft, fire, lightning, explosion and storm.

Insurance offer

Charter insurance.

The combination of breakdown service and insurance saves the insurance companies money.

The result is a favourable insurance premium for your boat.

Together with our partners we stand for competent and fast claims handling!

Imprint of the Sea Help Insurance Broker GmbH

Seahelp insurance broker gmbh.

Monday to Friday: 09:00 - 12:00 hours and 13:00 - 16:00 hours

Bank: Sparkasse OOE BIC/SWIFT: ASPKAT2LXXX IBAN: AT50 2032 0321 0036 0315

Contact form Sea Help Insurance Broker GmbH

Rechtliche Hinweise der Sea-Help Insurance Broker GmbH:

Die Sea-Help Insurance Broker GmbH, im folgenden Sea-Help genannt, prüft und aktualisiert die Informationen auf ihrer Website ständig. Trotz aller Sorgfalt können sich die Daten inzwischen verändert haben. Eine Haftung oder Garantie für die Aktualität, Richtigkeit und Vollständigkeit der zur Verfügung gestellten Informationen kann daher nicht übernommen werden. Nachdruck, auch auszugsweise, nur mit schriftlicher Genehmigung der Redaktion. Entwürfe und Pläne unterliegen dem Schutz des Urheberrechts. Informationen und Preise ohne Gewähr. Für unverlangt eingesandte Manuskripte und Fotos erfolgt keine Haftung.

Gleiches gilt auch für alle anderen Websites, auf die mittels Hyperlink verwiesen wird. Sea-Help ist für den Inhalt der Websites, die aufgrund einer solchen Verbindung erreicht werden, nicht verantwortlich. Des Weiteren behält sich Sea-Help das Recht vor, Änderungen oder Ergänzungen der bereitgestellten Informationen vorzunehmen.

Inhalt und Struktur der Sea-Help-Website ist urheberrechtlich geschützt. Die Vervielfältigung von Informationen oder Daten, insbesondere die Verwendung von Texten, Textteilen oder Bildmaterial bedarf der vorherigen Zustimmung von Sea-Help.

Vermittlerangaben:

Sea-Help Insurance Broker GmbH ist Gewerblicher Versicherungsmakler und Berater in Versicherungsangelegenheiten gemäß § 94 Zi 76 GewO 1994 und als solcher mit der Nummer Gisa-Zahl 32509465 in das Versicherungsvermittlerregister eingetragen.

Diese Eintragung kann unter  www.gisa.gv.at  überprüft werden. Die Sea-Help Insurance Broker GmbH ist von den Versicherern bevollmächtigt, Prämien entgegenzunehmen.

Informations- und Marktgrundlagen

Sea-Help Insurance Broker GmbH ist eine der führenden Spezialisten für Yachtversicherungen. Um unseren Kunden den perfekten Versicherungsschutz zu bieten bedarf es mehr, als nur Preis und Leistung zu vergleichen. Es geht auch darum, die unterschiedlichen Anforderungsprofile von Bootseigentümern zu verstehen und zu würdigen. Wir sind Ihr Ansprechpartner für Bootsversicherungen, Yacht und Motoryachtversicherungen.

Es wird darauf aufmerksam gemacht, dass Sea-Help Insurance Broker GmbH Ihnen ausschließlich die eigenen mit den beteiligten Versicherern erarbeiteten Versicherungsprodukte anbietet und eine weitergehende Beratung oder Auswahl von anderen Versicherern oder Produkten nicht leisten kann. Andere Sparten als die Versicherungszweige “See-, Binnensee-und Flussschifffahrt werden derzeit nicht angeboten.

Unsere Vergütung für die Vermittlung von Versicherungsverträgen erfolgt in Form einer prozentualen Provision und einer Aufwandsentschädigung pro vermitteltem Versicherungsvertrag.

Die auf diesen Websites enthaltenen Informationen stellen keine Beratung über die Produkte oder die dargestellten Sachverhalte dar, sofern nicht ausdrücklich anderes dargestellt wird. Die angegebenen Informationen dienen somit ausschließlich Informationszwecken und stellen – sowohl nach österreichischem als auch nach ausländischem Versicherungs- und Vermittlerrecht – weder eine Aufforderung, ein Anbot oder eine Annahme zum Abschluss eines Vertrages oder sonstigen Rechtsgeschäftes, insbesondere zu einem Versicherungsprodukt oder einer Dienstleistung seitens SeaHelp dar oder sollen eine derartige Entscheidung beeinflussen. Jede konkrete Entscheidung für den Kauf oder Verkauf eines Versicherungsproduktes oder einer Dienstleistung sollte erst nach einem Beratungsgespräch erfolgen. Die Inhalte dürfen nicht als Vermögens-, Rechts- oder Steuerberatung ausgelegt werden.

Wirtschaftliche Verflechtungen:

Der Versicherungsmakler besitzt keine direkte oder indirekte Beteiligung von über 10% an den Stimmrechten oder am Kapital eines bestimmten Versicherungsunternehmens, umgekehrt besitzt auch kein bestimmtes Versicherungsunternehmen oder das Mutterunternehmen eines bestimmten Versicherungsunternehmens eine direkte oder indirekte Beteiligung von über 10% an den Stimmrechten oder am Kapital des Versicherungsmaklers.

Vermittler-Beschwerdestelle

Für die außergerichtliche Hilfe zur Klärung von unterschiedlichen Auffassungen, die Versicherungen betreffen, steht Ihnen folgende Beschwerdestelle zur Verfügung:

Rechtsservice- und Schlichtungsstelle der Wirtschaftskammer Österreich Web:  www.wko.at

Versicherungsaufsichtsbehörde Österreichische Finanzmarktaufsicht Schlichtungsstelle Finanzmarktaufsicht:  www.fma.gv.at Otto Wagner Platz 5 1090 Wien Tel: (+43-1) 249 59 – 0 Web:  www.fma.gv.at

Boat Insurance in the UK & Europe

If you’re looking for yacht or boat insurance in the UK or Europe, then speak to the Admiral Marine team today. 

Tailored to your boating needs

For over 25 years Admiral have been providing yacht insurance for sailors, wherever in the world their yacht may be. We pride ourselves on our personal touch and practical approach to making sure that your yacht insurance cover meets with your needs at all times. 

Reasons to Insure with Admiral Marine

• Quality boat insurance that can be tailored to your needs.
• In-house claims service with a global network of surveyors and repair specialists.
• Good customer service from your dedicated account manager at Admiral Marine
• 94% of our yacht insurance clients  renew with us every year – that’s how much they trust us!

Why not save time and money with your own individually tailored fleet insurance policy? 

Give us a call on  +44 (0)1722 416 106   or email [email protected] .

Frequently Asked Questions

Our standard policy allows you to take part in any race or regatta, but does not cover for the rig unless it is damaged by collision, stranding, sinking or fire. The hull is covered, but with double excess during racing.

Contact us as soon as possible to inform us of any changes. We’re happy to accommodate changes at any time during your year, whether that be changing contact details or an aspect of your policy. Adjustments may result in an additional premium, but we never charge administrative fees for mid-term changes.

On occasion. For instance, for participants of a long distance rally such as World ARC, we prefer a 1st January renewal date allowing for boats to be in St Lucia at the start of the policy and in South Africa when the policy is due for renewal.

We have chosen to remain a specialist insurer and can’t quote for commercial vessels or boats valued over £1million. However we can refer you directly to Hayes Parsons Insurance Brokers, our award-winning parent company, who may be able to help.

Yes. We’re happy to accommodate changes to cruising area or any other aspect of your policy at any time during the year. Adjustments may result in an additional premium, but we never charge administrative fees for mid-term changes.

Get in touch

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Admiral Marine is a trading name of Admiral Marine Limited which is authorised and regulated by the Financial Conduct Authority (FRN 306002) for general insurance business. Registered in England and Wales Company No. 02666794 at 1st Floor, One The Square, Temple Quay, Bristol, BS1 6DG

If you wish to register a complaint, please contact the Compliance and Training Manager on  [email protected] .  If you are unsatisfied with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS).  The FOS website is  www.financial-ombudsman.org.uk

+44 (0)1722 416106 | [email protected] | Blakey Road, Salisbury, SP1 2LP, United Kingdom

Part of the Hayes Parsons Group

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We’re proud to say our boat insurance is among the best in the business. We cover many different types of vessel, so you’re sure to find the right cover for your craft.

Protect your barge from waterway mishaps with our top-notch boat insurance policies. Go for ‘Base Layer’ if you just want third party protection, and ‘All Weather’ for comprehensive cover.

When your boat is your livelihood, the stakes are very high, so it’s crucial to choose the right insurance. Discover our Commercial ‘All Weather’ policy, created especially for business boats like yours

Whether you use your dinghy for racing or recreation, you’ll want to know you’re fully covered when you set sail. Check out our policies and see what floats your boat.

When you own an inland cruiser, the world’s waterways are your oyster. But it’s best to plan for the unexpected, as even on a day trip, anything can crop up.

At Haven Knox-Johnston, we’ll help you make lighter work of insuring your motorboat. Check out our policies, and why not get a free motorboat insurance quote today?

Variety is the spice of life, and for narrowboat owners, that’s especially true. So you’ll want boat cover that’s flexible enough for whatever crops up, from a team that really knows the ropes.

Whatever you use your RIB for, one thing’s certain – your boat insurance needs to be as hard-working as your boat. And when you take a policy with Haven Knox-Johnston, rest assured it will be.

These boats are all about excitement – and when you’re insuring your speedboat, you need cover that can keep up. That’s where we come in. Why not get a quote today?

You can’t beat the yacht life, but it’s no secret it’s not the cheapest of passions. With our in-depth knowledge of the yachting sector, we’re perfectly placed to protect your pride and joy

Find out what we stand for

Throughout our history, we’ve never stood still

The insurance crew who really care.

Your first port of call

The star of the high seas

Want to know a little bit more about our services standards? Just click through to see what our customers say about us!

News, true stories and expert insights from the HK-J crew

At Haven Knox-Johnston our broker partners are essential to our future and we look forward to continuing to offer great products, excellent service and competitive terms to help you look after your clients.

All your boating questions answered

What it means for you

Nice to see you – hope all’s well.

Renew your boat insurance policy with Haven Knox-Johnston

Can you help us turn a greener shade of green?

Boat insurance with benefits

Find out what else we can shipshape for you!

Protect your other prized possessions from the unthinkable.  Welcome to Howden Private Clients

Get finely tuned Musical Instrument insurance with a 10% discount for the HK-J community

Buy your boat insurance online

We've settled 94% of claims in the last 12 months

Give us a call

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We reward loyalty

Boat insurance. Comes with crew.

When you take out a policy with Haven Knox-Johnston, you get great cover plus your very own award winning* support crew – us. We’re a close-knit bunch at HK-J, with years of insurance experience between us. And many of us are keen boating enthusiasts, too. If you do need to claim we’ll aim to get you back on an even keel just as fast as we can. Promise.

* Winners of the 2022 Motorboat Award for Customer Services & receiving the Feefo Gold Trusted Award 2022

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For a boat insurance quote:, what you get with haven knox-johnston, from the helm.

Boat insurance, shipshaped around you

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Yacht Insurance

Bespoke yacht insurance.

Comprehensive Yacht Insurance - Protection Against Fire, Theft, Accidental Damage.

Our Yacht Insurance Policies cover sailing vessels both large and small cruising UK Waters, Europe and Worldwide. Whether you're seeking to renew your boat insurance or inquiring about coverage for a new vessel, we've got you covered.

Get the right level of cover with our yacht & sailing boat insurance so you can enjoy cruising on your Yacht, Keel Boat, Sloop, Catamaran or Sailing Boat with confidence.

Why Choose Topsail Insurance?

The team at Topsail Insurance are highly passionate and knowledgeable in Boat Insurance and Travel Insurance, with over 100 years of combined experience, we will ensure you get the policy best suited to you. We are marine insurance experts offering a personal service and practical approach to find the best policy suitable to your needs.

Feel free to reach out to our dedicated team of real people for tailored advice on our policies. Whether you're unsure about the appropriate level of insurance for your needs or seeking guidance on the best coverage for your boat, we're here to assist you. Don't hesitate to get in touch with us today.

Our policies offer comprehensive and flexible cover for both local and offshore sailing.

We offer both agreed value and market value insurance policies to suit your individual needs.

Frequently Asked Questions

What typically does our yacht insurance policy cover.

Your insurance policy will include cover for:

• Accidental damage

Do I need boat insurance?

Boat insurance is not a legal requirement in the UK, however, typically marinas, harbours and navigation authorities require yacht owners to have at least third party liability insurance to access their facilities and waterways.

Is Third Party damage covered?

Yes, our comprehensive policies include up to £5 million third party liability cover as standard. In most cases, we can also arrange Third Party Only policies too.

What additional benefits are included in my Yacht Insurance cover?

Many of our polices include:

• Personal Accident Cover
• Medical Expenses
• Up to 25 % NCB
• Marina benefits
• Access to our helpline services 24 hours a day, 365 days a year
• 24 hour claims helpline

We can often offer Excess Waiver, Protected No Claims Bonus and Legal Expenses cover.

What cruising areas do we cover?

We cover UK, Europe and Worldwide/Bluewater cruising.

Do we offer any discounts?

We are proud to offer competitive insurance premiums. We also offer insurance cost discounts for a number of Owners’ Associations, and Yacht Clubs, such as our partners, The Cruising Association and Ocean Cruising Club .

Click here to access our online Quote and Buy .

We will provide you with an instant quote online which you can purchase immediately.

Our team will be happy to compare your boat insurance renewal quote or provide you with a quotation for your new boat insurance. Enjoy making memories, we’ll handle the rest.

For more information about the features of our Topsail Insurance, please refer to the relevant policy document and terms and conditions.

With over 1000 reviews on Google from satisfied clients, Topsail Insurance stands as a trusted authority in the field. Rest assured, you're in capable hands with our team of experts.

Enjoy making memories, we’ll handle the rest.

The yacht insurances of BAVARIA AG. Your leading specialist in Europe.

You want to enjoy your leisure time on the water. The yacht and boat insurances of BAVARIA AG ensure that you can always be carefree while doing so. The special insurances of BAVARIA AG give you the necessary security for every area and for any incidents. Trust our experience for more than 40 years.

Motoryachts

Sailing yachts, superyachts, why you should choose a yacht insurance policy from bavaria ag:.

Only the best-known German insurance companies are BAVARIA AG’s risk carriers. We are only committed to our customers and also manage your contract around the clock. BAVARIA AG is particularly distinguished by the professional process in the event of a claim. The entire processing takes place in-house. Word gets around and this is the basis of our success.

• Always a personal contact
• 24/7 availability
• Own claims department at our head office
• No objection of underinsurance
• All-risk cover on water and land
• No “new for old” deduction
• Storm damage also insured (and not only from wind force 8)
• Transport within Europe also insured
• Discount saver after four claim-free years
• Deductible halved after five claim-free years
• Violations of official regulations covered
• Extension of the cruising area also insured
• Regatta risk, vandalism, material defects also insured
• Salvage costs insured in excess of the sum insured
• 24/7 damage service

Sandra Ahrabian Chairwoman of the supervisory board

The very personal touch of BAVARIA AG

Do you have a question about one of our insurances or would you like to receive a non-binding offer? Do not hesitate to contact us. At BAVARIA AG, personal advice is a top priority. We always have a human being answering the phone, not a machine!

Our staff will answer all your questions about yacht insurances, aircraft insurances and classic car insurances quickly and reliably. Be it by phone, email or video chat.

Tel.: +49 (0) 89 – 6939 2323 Fax: +49 (0) 89 – 6939 2399

Email:  [email protected]

FAQ – Frequently asked questions about our insurances

Rescue disposal costs.

Where rescue and/or disposal is required, the resulting costs of up to 1 million Euros above the insured sum are covered.

Discount Saver

After four claim-free BAVARIA years, there will not be a downgrading of your no-claim bonus, if a claim occurs.

No Claims Bonus

You have been insured with us for five years and have not had a claim: If so, we will cut your excess amount in half, if a claim occurs.

Regatta Risk

Our company management and the staff are active motor-boat drivers and sailors themselves. Hence the regatta risk is covered free of premiums.

Our Claims Department

In a claim you will not be passed on to some employee in an insurance company whom you do not know. We will process your claim in our own claims department and ensure rapid settlement. We will assume the claims processing right from the start and shall be pleased to take work off you. In this way we remain your contact, particularly when it is crucial.

The transport risk is covered, no matter whether on the trailer, with a transport company or your own keel. Regatta Risk Our company management and the staff are active motor-boat drivers and sailors themselves. Hence the regatta risk is covered free of premiums.

Object Insured?

Cover extends not only to the ship itself and all its ac- cessories, butalso to the complete nautical equipment such as GPS, auto-pilot, all technical facilities, sail, tar- paulin, even the binoculars as well as the radio are in- cluded free of extra premiums. Personal effects are automatically covered as well up to 2 % of the total insurance amount (maximum, howe- ver, up to Euros 3.000) automatically.

Request a quote

Find out more about our boat and yacht insurance and exceptional all-risk cover.

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Do you have any further questions about our boat insurance? You can also reach us at any time by telephone on +49 (0) 89 – 6939 2323 or simply by email .

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