Pleasure yacht insurance

Owning a pleasure yacht is a dream come true for many. Of course, you want to insure such a beautiful and expensive boat properly. That is why you can take out boat insurance. A boat insurance ensures that you are insured in case of damage. You choose which coverage you take out. On Alpina.nl we tell you everything about insuring a pleasure yacht.

Pleasure yacht insurance not compulsory, but sensible

Insuring a boat is not compulsory in the Netherlands. However, it is often recommended, especially for a beautiful and expensive boat like a pleasure yacht. It is wise to take out at least a WA boat insurance, so that you are insured for damage that you cause to others with your boat. For example, if you accidentally sail into another boat, causing it to suffer damage. The repair costs for damage to a boat can sometimes be considerable.

Are you hesitating about the insurance premium? A third-party boat insurance does not have to cost a lot. You already have a third party insurance for €60,- a year, depending on your boat and situation. Curious about what it costs to insure your pleasure yacht? Calculate the premium directly.

What does it cost to insure a pleasure yacht?

We have just given an indication of the premium for third-party boat insurance. But of which factors does the premium for a pleasure yacht insurance actually depend? When calculating the premium, an insurer looks at the following factors:

• The type of boat
• The boat's engine
• The coverage you choose
• Any claim-free years you have accumulated with a boat insurance policy in the past
• Any membership in a water sports club

A pleasure yacht is a luxurious and often expensive boat. That is why you should consider a WA+ or All Risk insurance. With this you are also insured for damage to your own boat. Of course, a more extensive coverage is also more expensive, but often this is not in proportion to the costs in case of damage.

Pleasure yacht insurance: which cover?

When insuring your pleasure yacht, you have a choice of three different coverages for your boat insurance, namely:

Third-party insurance

With WA coverage, your boat is insured for damage you cause to other people's boats. Do you accidentally sail into another boat and does that boat get damaged? When you are insured WA, the insurer will compensate you for this damage. Otherwise, you will have to bear the costs yourself. Is your own boat also damaged? Unfortunately, this is not compensated with only a WA insurance. To compensate these damages, you need an all-risk boat insurance.

WA limited casco

The WA limited hull cover is also called a WA+ cover. With this coverage you also insure your boat for damage caused by fire, self combustion, explosion, joyriding, storm and hail. Moreover, you are also insured for damage to the contents of your boat.

All-risk/WA full casco

All-risk boat insurance is the most complete form of cover. With an all-risk insurance you are, in addition to the above mentioned damages, also insured for damage to your own vessel, even if you caused it yourself. Did you for instance crash into the quay while mooring the boat? Then an all-risk insurance covers the repair costs of your boat.

Get boat insurance for your pleasure yacht through Alpina!

Getting a boat insurance only takes a few minutes. With our handy online tool you can easily compare boat insurances. As soon as you have found the right boat insurance, you can take out the policy online. Do you have any questions? Then feel free to contact us! You can ask your question by phone at +31 (0)30 - 688 37 00. We are at your service Monday through Friday from 08.00 to 18.00. You can also send us a message via chat, WhatsApp or Messenger.