Do I need to insure a speedboat?
A high-speed motorboat is a small vessel that is less than 20 meters long and travels faster than 20 kilometers per hour. Personal watercraft are also considered high-speed motorboats. Have you purchased a high-speed motorboat, or are you planning to buy one? If so, you’re probably wondering whether it’s mandatory to insure this boat. Boat insurance ensures that you’re covered in the event of damage. You can choose from different coverage options: Third-Party Liability, Third-Party Liability + Limited Comprehensive, or All-Risk.
Insuring a fast motorboat isn't required, but it's a good idea!
In the Netherlands, it is not mandatory to insure your motorboat. However, third-party liability insurance for boats is required in certain situations. This applies, for example, during races, in a marina, at a boat storage facility, or on (part of) a waterway. In addition, it is mandatory in the Netherlands to register your high-speed motorboat. The Dutch government requires the registration of high-speed motorboats for nearly all inland waterways. You must register a high-speed motorboat, including personal watercraft, with the RDW.
Do you ever travel abroad with your (high-speed) motorboat? If so, boat insurance may be required by law. This is often the case in countries around the Mediterranean, such as Greece, Croatia, Italy, and Spain. In these countries, you can prove your coverage with an international insurance certificate. You can request this certificate from your insurer or insurance agent before you go on vacation.
Why It's Wise to Insure Your High-Speed Motorboat
Although insuring your high-speed motorboat is not mandatory, it is still a good idea to do so. This is because Dutch waters are becoming increasingly crowded, which increases the risk of an accident—even a minor one. It is therefore wise to at least purchase third-party liability boat insurance for your high-speed motorboat. Third-party liability boat insurance covers damage you cause to other boats. Repair costs for damage to a boat can sometimes be quite high. Moreover, third-party liability insurance doesn’t have to cost much. You can get third-party liability insurance for as little as €60 per year, depending on your boat and situation. Are you curious about how much it costs to insure your high-speed motorboat? Calculate your premium right away.
If you also want to insure your own boat against damage, choose a comprehensive boat insurance policy. This will also cover damage caused by your own fault.
Need to insure your motorboat? Get insurance right away through Alpina
Insuring your motorboat doesn’t have to take long at all. You can get boat insurance in just 10 minutes. It starts with comparing insurance policies. To do this, enter some information about your boat into our online comparison tool. You’ll then see an overview of all insurers, including their premiums and policy terms. Have you found the best boat insurance? Then you can purchase it online right away. Once you’ve purchased your boat insurance online, your application will be processed immediately. This way, you can quickly start sailing your boat with the right coverage.
Do you have any questions about boat insurance, or would you prefer to speak with one of our insurance specialists? Please feelfree to contact us! You can reach us by phone Monday through Friday from 8:30 a.m. to 5:30 p.m. at 088 – 688 3700. Would you rather send a message? No problem—you can do so via chat, WhatsApp, or Messenger.
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