Boat hull insurance
With boat hull insurance you can insure motor boats, sailing yachts, rowing boats, and racing yachts. In addition to watercraft insurance, you can also choose third party liability insurance, which covers damage caused to third parties.
Why take out yacht and motor boat hull insurance?
We insure the liability of the recreational craft and the owner of the recreational craft all year round and offer insurance cover for the craft, which applies to the sea, inland waterways, and land.
Full cover on land and at sea
The insurance contract provides the recreational craft with protection against all the main risks, both during the navigation of the craft and during its winter storage. In addition to the recreational craft itself, you have the option to insure its trailer.
Two plans to choose from
Depending on your needs, you can choose a plan with basic or extended covers.
Fast and professional claims handling
Long-term experience in the field and professional managers help to quickly solve any issues that arise.
The insurance covers most recreational crafts
We provide boat hull insurance for a vessel up to 24 metres in length. The boats we insure are mainly used for recreational purposes.
We will make a suitable offer for your needs.
Call or write to us and we will consult on what your need is and how we can help.
What does ERGO boat hull insurance cover?
Depending on your needs, you can choose a suitable cover plan. Payment can be made either quarterly, semi-annually or annually.
External mechanical force
For example, running aground, hitting the bottom of a body of water, a collision.
Storm and wind
Storm and wind damage. There are no restrictions on wind speed. Except for damage done to sails.
Theft, robbery, and vandalism
The insurance covers damage caused by the theft or robbery of the recreational craft or its parts (including the engine), including vandalism damage to the craft.
Fire, explosion
Indemnification for damage to a craft damaged or destroyed by fire or explosion.
Lightning strike
Direct transfer of a lightning strike to a recreational craft.
Slipway damage
Damage caused when a recreational craft is lowered into the water, lifted out of the water or kept on a slipway.
Transport damage
Damage caused during the transportation of a recreational craft in a trailer intended for this purpose.
Indemnification of legal assistance
We also indemnify legal assistance related to a recreational craft.
What does ERGO boat hull insurance cover?
Depending on your needs, you can choose a suitable cover plan. Payment can be made either quarterly, semi-annually or annually.
For example, running aground, hitting the bottom of a body of water, a collision.
Storm and wind damage. There are no restrictions on wind speed. Except for damage done to sails.
The insurance covers damage caused by the theft or robbery of the recreational craft or its parts (including the engine), including vandalism damage to the craft.
Indemnification for damage to a craft damaged or destroyed by fire or explosion.
Direct transfer of a lightning strike to a recreational craft.
Damage caused when a recreational craft is lowered into the water, lifted out of the water or kept on a slipway.
Damage caused during the transportation of a recreational craft in a trailer intended for this purpose.
We also indemnify legal assistance related to a recreational craft.
What does ERGO boat hull insurance cover?
Storm and wind
Storm and wind damage. There are no restrictions on wind speed. Except for damage done to sails.
Theft, robbery, and vandalism
The insurance covers damage caused by the theft or robbery of the recreational craft or its parts (including the engine), including vandalism damage to the craft.
Fire, explosion
Indemnification for damage to a craft damaged or destroyed by fire or explosion.
Lightning strike
Direct transfer of a lightning strike to a recreational craft.
Slipway damage
Damage caused when a recreational craft is lowered into the water, lifted out of the water or kept on a slipway.
Transport damage
Damage caused during the transportation of a recreational craft in a trailer intended for this purpose.
What does ERGO boat hull insurance cover?
Storm and wind damage. There are no restrictions on wind speed. Except for damage done to sails.
The insurance covers damage caused by the theft or robbery of the recreational craft or its parts (including the engine), including vandalism damage to the craft.
Indemnification for damage to a craft damaged or destroyed by fire or explosion.
Direct transfer of a lightning strike to a recreational craft.
Damage caused when a recreational craft is lowered into the water, lifted out of the water or kept on a slipway.
Damage caused during the transportation of a recreational craft in a trailer intended for this purpose.
Why choose ERGO boat hull insurance?
Fast and professional claims handling.
A large international company and long-term and recognised experience in the field.
Professional consultation and preparation of an offer that is suitable for you.
Good to know / FAQ
Third party liability insurance can also be concluded at ERGO without insuring a recreational craft.
The contract can only be concluded for one (1) year, because an accident, alas, can happen at any time. Also, the extension of the annual contract will be smoother and faster. ERGO covers loss events both on land and at sea.
Yes, if the boat had valid insurance that day.
Yes, in addition to damage to the property of a third party, the victim’s medical treatment expenses, damage resulting from temporary or permanent incapacity for work, funeral expenses, maintenance pension, etc., are also indemnified.
Yes, this applies to sailboats. It should be borne in mind that the organisers of regattas may have fairly high demands concerning the third party liability insurance limit, so we recommend that you think about it already when concluding an insurance contract.
Motorboats up to 30 years old and sailing yachts up to 35 years old can be insured. There is no age limit for the third party water craft owner liability insurance.
If the policyholder rents out the recreational craft together with its captain and crew for the event and the policyholder announced this when concluding the insurance contract, the insurance cover is valid.
