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- Basic and supplementary cover according to your needs
- Natural hazards are also insured on the water
- Towed and pushed objects covered
- No bonus/penalty system for third-party liability
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Watercraft insurance
Whether you own a motorboat or a yacht, watercraft insurance provides comprehensive cover for grounding, storm damage, or accidents. It offers protection in harbours, on rivers and lakes throughout Europe, on the seven seas and even on land.
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Optimal security on water and land |
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Combine coverage as required |
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Covers damage caused by natural events |
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Select which waters the insurance covers |
How watercraft insurance works
Our watercraft insurance allows you to take out important basic cover such as third party liability insurance, accidental damage insurance and accident insurance. We also have plenty of supplementary insurance to choose from. Depending on your specific needs, you can also insure your personal effects and ship’s boat as part of your policy.
Your benefits
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Optimal protection
Watercraft insurance at a glance
Coverage types
Coverage types in detail
In brief
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Partial or comprehensive insurance
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Third-party liability insurance
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Accident insurance
What basic cover is available?
You can select from three types of basic cover as part of our watercraft insurance:
- Third party liability insurance
Third-party liability insurance is mandatory for many boats and ships. It insures against damage to third parties or their property caused while operating or holding a vessel.
- Accidental damage insurance
Partial accidental damage insurance: Insures against damage caused by theft, fire, natural events, glass breakages, vandalism. Both on land and in water.
Comprehensive accidental damage: Comprehensive accidental damage cover comprises partial accidental damage and cover for collision damage.
- Accident insurance
If passengers are injured in an accident, benefits are paid immediately, with no bureaucracy and irrespective of liability.
In brief
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Personal effects
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Transport for watercraft
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Cover for a dinghy
What supplementary insurance is available?
You can select the following supplementary cover as part of our watercraft insurance:
- Personal effects
- Transport of the watercraft
- Cover for a dinghy
- Liability claims made by towed water skiers
In brief
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Select from 3 zones
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European inland waters
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To worldwide coverage
Where does the insurance cover apply?
You select the zone you need coverage for:
- Zone A: European inland waters including rivers, channels and their ports up to their outer piers or maritime borders.
- Zone B: Zone A plus: Bodies of water of the Baltic Sea, Gulf of Finland, Gulf of Bothnia, Kattegat and Skagerrak Straits, North Sea, English Channel, Irish Sea and adjacent Atlantic bodies of water within the connection lines of 6° north including Bergen, 2° west, 2° north and the Mediterranean including straits and adjacent inland seas.
- Zone C: Worldwide.
You can request a short-term extension of your policy from Zone A to Zone B at any time.
Practical example
At the end of a hot summer day, a severe thunderstorm breaks over Lake Zurich. The next day, Mr Miller goes to the harbour where his sailboat is anchored. There, he finds out that his boat was damaged in the storm and sank. Only the top of the mast is visible above the water. Thanks to his partial accidental damage cover, he can rest assured that Generali will assume the costs of the repairs in addition to the costs of recovering and transporting the boat to the dockyard where it will be repaired. A few days later, he's out on the lake again, enjoying the summer weather.
Customer opinions
Overall rating
4.4/5
Questions and answers
The policyholder, owner, keeper and any other persons who drive or use the insured vessel (including crew members and other auxiliary persons). Water skiers towed by the vessel are also covered.
The insurance is valid from the date specified in the insurance contract and is renewed each year automatically for the period of one year unless terminated by one of the parties at least three months prior to the expiry date.
The premium is calculated based on the scope of cover selected and depends on multiple criteria, such as:
- Geographical scope (zone)
- Price of the watercraft
- Model (e.g. single-hull ship, multi-hull ship)
- Engine power
- Sail size
- Use
You can take out watercraft insurance through an advisor. Simply get in touch with us and we will provide you with a non-binding quote.
Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.
If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.
The advice is free of charge, with no strings attached. You choose the time and place.
Discover all the benefits of a consultation
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| General Policy Conditions (in German) | 0,2 Mb |
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