FHI protects you from unforeseeable illness costs on your journey. Before you buy this insurance, you should check with your health insurance provider in what form and for how much you are covered for any costs that may be incurred during the upcoming holiday. If you are traveling to a non-European country, then FHI is always a good idea. Even within Europe, the insurance conditions are not the same. Information is important here!
If the skipper or crew inflict damage upon a third party or cause possible damage to the boat as water sportspersons, the boat liability insurance comes into effect. It is important to note that damages which are inflicted on the crew by themselves are included in such a policy. The lower limit of the sum insured should be a flat rate of at least € 4 million. There are cheaper tariffs for dinghies.
The BBC pays out for damage to your own vessel and its accessories, theft, vandalism, grounding, collision, broken masts, storm damage, etc. Similar to a car, it is also possible to exclude certain risks. Total loss insurance would be sensible for dinghies.
This insurance covers the costs incurred when, for urgent reasons – check exactly what is meant by urgent reasons – one cannot travel or rather must cancel. IMPORTANT: Make note of self-contribution! With charter cancellation insurance, make sure that this also protects you if the skipper is absent and somebody else must step in.
If a crew member or the vessel is damaged due to misconduct on the part of the skipper and claims are made against the skipper, then the skipper's liability insurance kicks in. Some insurance policies protect policy holders, even when they have been grossly negligent.
Personal accident insurance protects the policyholder against the additional monetary consequences of an accident, which are not covered by the health insurance provider or health insurance policy. Before signing the contract, you should check with your health insurance provider
1) whether the costs of accidents that occur when sailing are completely covered and
2) whether other costs could possibly still occur from accidents, which are not covered.
Legal expenses insurance for sailors and boat owners or expectant boat owners. This is a specially developed insurance for these situations. When signing up to such insurance, precise information is needed.
Yachtsecure.eu is your provider for Yacht insurances.