Sailing boat insurance

Have you recently purchased a sailing boat or are you considering purchasing one? Then of course you want it well insured in case of damage or accident. A sailboat is not a cheap boat, and damage can quickly run into costs. Of course you want to prevent that! You can choose whether you want to insure your sailboat WA, WA+ or all-risk. Choose the coverage that fits your boat best, so you never pay too much premium for your boat insurance.

Is it compulsory to insure a sailing boat?

No, you are not obliged to insure your sailboat. In principle, it is not mandatory in the Netherlands to insure your boat. However, in some cases it is required that you insure your boat at least against third-party liability. For instance if you:

• Want to moor your boat in certain marinas
• Want to race your boat
• At a boat depot
• In some waterways (or parts thereof)

Sailing boat insurance: which cover?

When insuring your sailboat, you have to choose a cover for your boat insurance. You have the choice between three types of coverage, namely:

Third-party insurance

With WA coverage, your boat is insured for damage you cause to other people's boats. Do you accidentally sail into another boat and does that boat get damaged? When you are insured WA, the insurer will compensate you for this damage. Otherwise, you will have to bear the costs yourself. Is your own boat also damaged? Unfortunately, this is not compensated with only a WA insurance. To compensate these damages, you need an all-risk boat insurance.

WA + limited casco

The WA limited hull cover is also called a WA+ cover. With this coverage you also insure your boat for damage caused by fire, self combustion, explosion, joyriding, storm and hail. Moreover, you are also insured for damage to the contents of your boat.

All-risk/WA + full casco

This is the most complete form of cover. With an all-risk insurance you are, in addition to the above mentioned damages, also insured for damage to your own vessel, even if you caused it yourself. Did you for instance crash into the quay while mooring the boat? Then an all-risk insurance covers the repair costs of your boat.

What are the costs of a sailboat insurance?

The costs for a sailboat insurance depend on a number of factors. When calculating the premium, an insurer looks at the following factors:

• The type of boat
• The boat's engine
• The coverage you choose
• Any claim-free years you have accumulated with a boat insurance policy in the past
• Any membership in a water sports club

Compare sailboat insurance

You can find the best boat insurance for your sailboat by comparing insurances. After filling in some data, you will immediately see the possible insurances that are suitable for your boat. You can easily compare these insurances. This way you will immediately see what an insurance for your boat costs and you can choose between the different types of cover. In general, third-party insurance is the cheapest, but it also provides the minimum coverage. Insuring your sailboat only takes a few minutes.

Get sailboat insurance through Alpina right away!

Taking out a sailboat insurance can be done very easily online. Of course, it is possible that you still have some questions or just want to consult one of our insurance specialists. Please contact us! From Monday to Friday from 08.00 to 18.00 we can be reached by phone at 030 - 688 37 00. Of course you can also send us a message via chat, WhatsApp or Messenger.