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Home boat insurance When to insure your boat

When should you insure a boat?

In the Netherlands, you are not required to insure your boat. This is in contrast to a car, which you must have at least third-party insurance. However, there are a number of situations in which you are obliged to insure your boat. Even if you want to take your boat abroad, different rules apply to insuring a boat. On Alpina.nl we found out when you have to insure your boat.

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When is it compulsory to insure a boat?

Although it is not compulsory in the Netherlands to insure a boat, there are certain situations in which third-party boat insurance is compulsory. This is in the following situations:

  • If you want to moor your boat in certain marinas
  • If you are racing your boat
  • At a boat depot
  • In some waterways (or parts thereof)

Boat insurance? Calculate your premium!

Why should I insure my boat?

Although insuring a boat is not compulsory in the Netherlands, it is sensible. You can take out at least a WA boat insurance. With a boat insurance you know for sure that you do not have to pay all the high costs yourself in case of damage. Would you like to insure your own boat as well? Then the all-risk boat insurance could be something for you. The repair costs of damage to a boat can be quite high, not to mention personal injury. By insuring your boat properly, you can always go out on the water with peace of mind and never have any unpleasant surprises.

Frequently Asked Questions

When should you insure a dinghy?

Insurance for a dinghy is not compulsory. However, it is wise to have at least a WA boat insurance. If your dinghy causes damage to another person the costs can mount up considerably. With a WA-insurance you ensure that you are insured for any damage you cause to another person.

When should you insure a boat in Amsterdam?

Do you love to sail your boat through the beautiful canals of Amsterdam? Then it is often not possible to take out an all-risk boat insurance. Most insurers find the risk of damage to the boat too big and therefore do not provide an all-risk boat insurance. If they do, the premium is often much higher. Fortunately, it is usually possible to take out third-party insurance.

When should you insure a sailboat?

It is not obligatory to insure your sailboat, except in a number of situations. This is for example when you participate in a sailing competition with your sailboat. Moreover, sailboats are often expensive boats. Therefore a boat insurance offers you extra security.

When should you insure your boat abroad?

In some countries, however, it is compulsory to insure your boat. This is particularly the case in the countries around the Mediterranean Sea. These countries include Greece, Croatia, Spain and Italy. You can prove your coverage in these countries with an international certificate of insurance. You can request this certificate from your insurer or broker before you go on holiday. This certificate can differ per country. For example, there is a special Italy certificate which is only valid in Italy.

Get boat insurance right away at Alpina.nl!

Before insuring your boat, of course you want to know what you will spend each month on insurance premium. On Alpina.nl you can very easily calculate the premium. To do so, you must first make some decisions about your boat insurance. For example, you have to choose which coverage you want and in which area you want to be insured. You then enter these data, in our online comparer. This way you can easily and quickly compare different boat insurances and already get an idea of the costs. Have you chosen a boat insurance? Then you can take out the insurance directly online.

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