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Sailing Yacht Insurance
PANTAENIUS SAILING YACHT COVER PLUS – Our most comprehensive policy
When only the broadest insurance cover will do; we have the right insurance solution for you. The Pantaenius Sailing Yacht Cover Plus policy is the UK’s most comprehensive sailing yacht policy offering additional cover and higher limits as standard for all your trips. Discover why Pantaenius is one of the UK's leading yacht insurance specialists and why over 100,000 yacht owners place their trust in us.
Insure your Sailing Yacht
Find the right insurance for your sailing yacht in just a few steps. Getting a quotation is easy. Simply complete our online enquiry form and leave the rest to us.
Comprehensive or Third Party Liability only cover options available
Always available in case of a claim
Many boats can be insured online
PANTAENIUS SAILING YACHT COVER PLUS – What is included?
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THE MOST COMPREHENSIVE ALL RISK COVER
AGREED FIXED VALUE
WEAR AND TEAR COVER
AROUND THE MARK
NEW FOR OLD
BROADER RANGE OF DEDUCTIBLE FREE CLAIMS
CORROSION AND ELECTROLYSIS
HIGHER LIMITS FOR BREAKDOWN ASSISTANCE
THE MOST COMPREHENSIVE ALL RISK COVER
An All Risks policy providing greater protection for your sailing yacht, tender and personal watercraft including cover for sea transport and the transit of parts worldwide.
WEAR AND TEAR
Cover for loss or damage resulting from wear and tear, with only the failed part excluded.
NEW FOR OLD
New for Old cover for parts and materials less than 10 years of age included as standard.
CORROSION AND ELECTROLYSIS
Cover for loss or damage resulting from corrosion or electrolysis, with only the failed part excluded.
AGREED FIXED VALUE
An Agreed Fixed Value policy with a fixed sum insured paid in the event of a total loss.
AROUND THE MARK
Crewed club racing covered as standard.
WIDE RANGE OF EXCESS FREE CLAIMS
Some of the most common claims; fire, theft following violent and forcible entry, collision whilst moored or at anchor all settled with no excess applied.
HIGHER LIMITS FOR BREAKDOWN ASSISTANCE
Cover for emergency assistance and towage included as standard, up to £10,000.
COMPREHENSIVE COVER FROM THE INSURANCE EXPERTS
Pantaenius has been providing insurance solutions for over 50 years. We know yacht insurance in general and insurance for sailing in particular. That’s why we offer our customers market leading All Risks Hull cover and a dedicated Third Party Liability policy, both offering comprehensive cover for you and your vessel without unclear exclusions. If you would like to discuss your individual insurance requirements our boat insurance specialists, then give our Client HubTeam a call on 01752 223656, they will be happy to help.
Getting a quotation is easy. Simply complete our online enquiry form and leave the rest to us.
Insurance For Sailing: The Most Important Products Explained
Sailing Yacht Hull Insurance
If you want to protect your yacht against damage and yourself from the financial costs resulting from an accident you should consider taking out a Hull Insurance policy. Hull insurance covers you for damage to your own yacht and is one of the main types of marine insurance policies available. It covers a broad range of damage to a yacht’s hull, machinery and equipment.
However, not all Hull Insurance policies are the same. The devil is in the detail. You will want to familiarise yourself with any policy exclusions before purchasing an insurance for sailing. Insurance is about protecting yourself against the unexpected, so policies generally exclude those things which can be anticipated or prevented. Many of the exclusions therefore come down to things like wear and tear, gradual deterioration or lack of maintenance. If something is likely to fail due to its age or condition, replacement is something you should be considering yourself, and any responsible boat owner will carry out regular inspections and maintenance. But one very important question you need to ask is, if you have an accident because of a part failing due to wear and tear or fault, is the resulting damage excluded, or only the part that failed? And is that really clear in the wording? Consider the consequences.
Sailing Yacht Third Party Liability Insurance
Whilst it is not a mandatory requirement for you to have Third Party Liability Insurance, to ensure you are protected from unexpected financial burden as a consequence of accidental damage or injury to a third party we recommend taking out a Yacht Third Party Liability Insurance policy. In fact, many local authorities and marinas insist upon this type of insurance for sailing.
Even when in storage in the winter and during transport to the storage location there are risks of third party damage for which you, as the yacht owner, may be held liable. It is therefore important to have a liability policy in force.
These questions may help ypu
How much does insurance cost for a sailboat?
The cost of sailboat insurance can vary widely. Typically, the sailboat’s size, age, type, and value, as well as the owner’s sailing experience and the intended cruising area influence premiums. For example, larger and newer sailboats generally incur higher insurance costs due to their increased sum insureds. Additionally, if you plan to sail in high-risk areas or engage in frequent long-distance voyages, your insurance premium may be higher.
On average, sailboat insurance can range from a few hundred to several thousand pounds annually. To get an accurate estimate, it is essential to discuss your specific needs with an insurance provider who can tailor a policy to your sailboat's requirements. Reviewing different quotes and understanding what each policy covers can help you find the best cover for your budget.
Which insurance is required for a sailing boat?
For a sailing boat, the following types of insurance are commonly required or highly recommended:
Hull Insurance: This covers damage to your own sailing boat, including the hull, machinery, and equipment. It protects against risks such as collisions, grounding, and theft.
Third-Party Liability Insurance: This is crucial as it covers legal liabilities for damages or injuries you might cause to other people or property while operating your sailing boat. Marinas and some regulatory bodies often require it.
Personal Accident Insurance: Although not mandatory, this insurance provides compensation for injuries or death sustained while on board your sailing boat.
It is essential to check local regulations and specific requirements for sailing in different regions, as insurance needs can vary. Reviewing your policy details and understanding exclusions, such as wear and tear, can ensure comprehensive cover tailored to your sailing activities.
