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The
insurance covers whilst sailing.
However
it is important to specify which area
you are sailing in. Is the insurance supposed to cover only
National (Spanish waters incl. Gibraltar), or is there more.
The
insurance also covers if the boat is taken
on land, but there are no demands that
the boat has to stay on land during a
certain period.
3rd
party insurance as a boat owner:
The
insurance covers, should you sail into others and hereby cause
damage on persons and things. The insurance also covers if
you, as a boat owner, are liable to pay compensation for a
damage. You are not liable to pay compensation, if you cannot
help the damage happening.
When
it has to be evaluated, it is compared with how other boat
owners would have
acted in a similar situation.
The
3rd party insurance does not cover, if we are
talking about injuries on yourself or damages on your own
things, neither does it cover other things on board the boat.
Further,
it doesn’t cover, if you were under the influence of
alcohol.
Full
comprehensive insurance as a boat owner:
The
full comprehensive insurance covers most types of damages on
the boat caused by capsizing, running aground, collision, fire
and theft. The damages
be on the hull, the engine, the dinghy, the life raft
or the rubber dinghy, as long as it belongs to the boat.
The
full comprehensive insurance also covers the inventory of the
boat and normal equipment such as masts, bars, rigging, sails,
hoods, cordage, anchors and cables, navigation instruments and
other static equipment and items
equivalent
to this.
It
is important that the value of the boat is determined
correctly, so that it isn’t underinsured. If this is the
case, full compensation in case of damage cannot be awarded.
Personal
effects:
If
you want cover for personal effects belonging to yourself or
other people on board, you need a separate addition to the
normal full comprehensive insurance.
Legal
expenses insurance:
Cover
of legal expenses as a boat owner offers you financial
assistance in connection with questions regarding compensation
according to the Law at sea.
“Talk
boat insurance with us!
We deal you the best hand” …
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- for your peace of
mind!