What is yacht insurance?

Your fully comprehensive yacht insurance policy covers you for any losses that you sustain to your vessel (dubbed by insurers as Hull and Machinery coverage) and any legal liabilities that you may have to a third party, that have arisen out of your ownership of the vessel (dubbed liability or P&I Insurance). In certain cases, you may decide that you don’t need Hull and Machinery coverage, and may opt for liability only coverage.

How long is a policy period?

Unless specifically agreed otherwise, 99% of yacht insurance policies cover a 12 month period. If you take out insurance today, then it will expire at the same time and day next year

How much does yacht insurance cost?

The cost of yacht insurance depends firstly on the value that you want to insure. Insurers often give you a percentage of the hull sum insured to start off with. You will then have additions and deductions based on where you are using your yacht, for what purpose (racing, charter, deep sea fishing, etc.), what your level of experience is an amongst many other factors whether or not you’ve had any claims.

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