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GuidesAn individual, tailor-made policy for every sailing enthusiast

Sailing is a sport!

Whether you have a dinghy or a large ship, are interested in leisure, racing, charter sailing or co-sailing, some risk always exists, whether you are on board or ashore.

Various statistics exist regarding the frequency of different types of accidents. However, the fact is, that such accidents do happen. The different trade magazines inform us about minor and major averages at sea, minor and more severe accidents, illnesses and spectacular operations on board and we think, “hopefully that won't happen to me!“

Fortunately, it is possible to insure against almost all risks when sailing. Unlike with a car, insurance is not required by law, but is definitely sensible to have!

Going out to sea with no insurance protection is not recommended! Which policy makes sense for you depends on many factors. You alone can decide what you need and what you don't.

WHAT TYPE OF SAILOR ARE YOU?

THE CO-SAILOR

Do you sail often or regularly on vessels that belong to friends or acquaintances? Do you also take over the tiller or helm under guidance of the skipper now and again?

Read more about policies for co-sailors

THE DINGHY SAILOR

Do you own a small boat with a blade or secure keel with no cabin? Is it up to 5 meters in length with around a maximum of 10 square metres of sail area? Do you sail on lakes or near the shore of a coastal lake? Is the dinghy on club land, at a dock or do you tow it to the water?

THE YACHT OWNER

Do you own a sailing or motor boat that is suitable for day or multiple-day tours? Does the boat have permanent mooring in a port? Do you often take friends or acquaintances with you?

Read more about policies for yacht owners

THE REGATTA SAILOR

Do you take part in regattas on lakes and/or coastal lakes or offshore?


Read more about policies for sporting sailors/regatta sailors

THE CLUB SAILOR

Are you a member of a sailing club, do you own your own boat or do you sail on club boats? Do you sail in domestic or foreign regattas with the consent of your club? Do you take part in voyages or trips with your club?

THE CHARTERED SAILOR

Do you rent a yacht inland or abroad for yourself and your family or together with friends/acquaintances for vacation trips? Are you a skipper or crew member on the trip?

Read more about policies for chartered sailors.

THE LONG-HAUL TRAVELLER

Do you own your own vessel, which you take on trips for several months or years at a time? Do you travel outside of Germany or Europe? Could your boat also be your main and long-term residence?

Read more about policies for long-haul travellers