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Boat Insurance: Protection on the WaterBoat insurance: protection on the water
Sailing on lakes, rivers or the sea is a source of pleasure and freedom. But an accident can happen in a split second: a collision, theft or storm damage can have costly consequences. Boat insurance offers financial protection and peace of mind. In this article, we explain everything about boat insurance in the Netherlands: what they cover, what types there are and how to deal with them smartly. This way, you can sail safely and worry-free.
What does boat insurance cover exactly?
Boat insurance is similar to car insurance, but tailored to watercraft. The basis is the damage insurance for watercraft (WAM insurance), mandatory for motorboats with an engine power above 15 hp or a length of more than 6 meters. Without this, you cannot sail on public water and risk fines of up to €450.
The coverages can be divided into three main categories:
- W+A (limited hull damage): Coverage for damage to your own boat due to collision, fire or theft. Also, your own fault in a collision with another watercraft is insured.
- W+A+ (full hull damage): More comprehensive, including damage caused by storm, frost or your own mistake (such as running aground).
- Liability insurance (AVB): Mandatory and often included. Coverage up to €1.5 million (or more) for damage you cause to others, such as a collision with another boat or quay.
Extra modules such as salvage (costs to retrieve your boat), breakdown assistance or legal assistance make the policy more complete. Note: sloops and kayaks under 6 meters often do not need to be insured, but it is still wise to do so.
Why do you need boat insurance?
Without insurance, you bear all costs yourself. A repair after a collision can quickly cost €5,000-€20,000, and in the event of theft, a new boat is a big hole in your wallet. In the Netherlands, marinas and yacht harbors often require a valid policy document. In the event of accidents with injury or environmental pollution (oil leak), you can be held personally liable, with claims in the millions.
Statistics from the Dutch Association of Insurance Companies (NVVA) show that 1 in 5 boat owners files a claim every year. Insurance prevents financial disasters and provides assistance in emergencies.
How to choose the right boat insurance?
Choose based on your boat, sailing area and risks. Follow these steps:
1. Inventory your boat: Note brand, type, year of construction, length, engine power and value. Older boats have lower premiums, but more limited coverage.
2. Determine your sailing area: Inland waters (e.g. IJsselmeer) are cheaper than sea sailing (North Sea). Choose 'inland navigation' or 'sea sailing'.
3. Calculate no-claim discount: With damage-free years up to 80% discount.
4. Compare conditions: Look at your own risk (€250-€1,000), maximum coverage and exclusions (e.g. reckless sailing or uninsured cargo).
5. Add what fits: Salvage for towing costs, sailing fee compensation (rental boat during repair) or theft coverage with tow truck.
Use online comparison tools or request quotes. Premiums start from €100-€200 per year for small sloops, up to €1,000+ for yachts.
Practical tips for taking out and using
- Take out on time: Do this before the sailing season. A policy is directly valid.
- Keep value up-to-date: Have your boat appraised to prevent underinsurance (premium too low, payout in case of total loss not full).
- Prevention pays off: Install an alarm system or chain to prevent theft – often discount on premium.
- In case of damage: Report within 24 hours! Take photos, note witnesses and do not touch anything. Follow the insurer's steps: damage report online or by phone, then appraisal and repair.
- Check annually: Renewal dates often April/May. Compare again for better conditions.
Tip: For second-hand boats, ask the seller for the policy document and check for outstanding claims.
Common mistakes to avoid
- Incorrect sailing area: Sea on inland navigation policy? No coverage!
- Too low own risk: Cheap, but for small damages you pay a lot yourself.
- Forgetting cargo: Water skis or bicycles are often not insured.
- Alcohol and watercraft: Exclusion in case of fault due to drinking – stay sober.
Conclusion: Sail safely with the right coverage
Boat insurance is more than an obligation; it's your safety net on the water. By choosing the right coverage and prevention, you can enjoy your sailing trips worry-free. Always consult the policy conditions and, if in doubt, an advisor. This way, sailing remains a pleasure, without worries.