• Water accidents, such as a collision or shipwreck
• Storm or wind, whereby the wind speed does not have to be determined
• Theft, vandalism
• Fire, explosion or lightning
• Lift-out and launch of recreational craft, slipway damage
• Transport damage

Liability insurance is of help in the case of a collision, if a boat stored on land rolls over another or a fire spreads to a neighbouring boat.

• It protects the recreational craft owner in the event of damage caused to a third party similarly to motor third party liability insurance (both, personal injury as well as property damage).
• We reimburse legal costs.

Under the ERGO yacht and motor boat owner’s liability insurance we are of assistance to you if due to an accident, damage has been caused to third parties – we help to reimburse legal costs as well as the claims for damage on behalf of the recreational craft user to third parties

• Is it possible to take out insurance for the period of competitions/regattas?

Yes, it is. During a regatta, both the yacht as well as the yacht owner’s liability are covered against damage to third parties.

• Is it possible to choose the water craft owner’s liability insurance only?

It is also possible to get liability insurance at ERGO without insuring the recreational craft.

• Is it possible to insure the boat for only three months or for the navigation period?

The boat insurance contract may be concluded for the entire year, as accidents can happen any time. Also, the renewal process is much quicker and easier, if the cover was valid until the new Policy. ERGO provides insurance for insured events both on land and at sea.

• If a thee falls to my boat during the winter storm and breaks it, does this insurance pay for this loss?

Yes, if you had A valid cover in that day.