1. Charter Deposit Insurance
When you charter a yacht, the charter company holds a security deposit (typically €1,500–€5,000). If anything is damaged during the trip, the cost is normally deducted from the deposit. Deposit insurance reimburses this loss so a single incident doesn't ruin your holiday budget.
Excess (spoluúčast): 5% of the loss, minimum €50. Validity: 12 months, covers every charter where you are listed as skipper.
Price estimate (annual premium)
| Deposit | Annual premium |
|---|---|
| 500 € | 67 € |
| 1 000 € | 123 € |
| 1 500 € | 180 € |
| 2 000 € | 236 € |
| 2 500 € | 292 € |
| 3 000 € | 348 € |
| 3 500 € | 404 € |
| 4 000 € | 460 € |
| 4 500 € | 516 € |
| 5 000 € | 572 € |
2. Skipper Liability Insurance
Covers damages caused by the skipper to third parties — other vessels, marina infrastructure, people. Property damage from gross negligence is covered up to €1,000,000/year. Motor-yacht cover automatically includes sailing-yacht cover. For motor yachts limited to 10 km/h the sailing rate applies.
Price estimate (annual premium)
| Coverage | Sailing yacht | Motor yacht |
|---|---|---|
| 5 Mio € | 109 € | 163 € |
| 7 Mio € | 131 € | 201 € |
| 10 Mio € | 165 € | 237 € |
3. Accident Insurance
Personal accident cover for the skipper and crew — five coverage tiers to choose from. Search & rescue and death benefits are the same across all tiers; the invalidity payout scales with the chosen premium.
Price estimate (annual premium)
| Invalidity | Search & rescue | Death | Premium |
|---|---|---|---|
| 155 000 € | 60 000 € | 77 000 € | 47 € |
| 230 000 € | 60 000 € | 77 000 € | 109 € |
| 380 000 € | 60 000 € | 77 000 € | 168 € |
| 510 000 € | 60 000 € | 77 000 € | 240 € |
| 770 000 € | 60 000 € | 77 000 € | 357 € |
