Yacht insurances

Yachtversicherungen für Motor- und Segelyachten bei der EIS European Insurance & Services GmbH
Hier können Sie online ein Angebot für die Haftpflicht- und Kaskoversicherung ihrer Yacht erstellen.

We know that people use their yachts in different ways. That's why we have designed our yacht insurances very flexible. The framework of our yacht insurances is based on our two coverage concepts called "EIS BASIC" and "EIS TOP", in which we offer you a liability, a fully comprehensive and a personal accident insurance.

The TOP-coverage in key points

  • Co-insured in the liability insurance is as follows:
    • The personal legal liability of the skipper and other people authorized to operate the vehicle
    • Possession and use of dinghies with up to 60 hp
    • The legal liability from the pulling of water skiers and kite surfers
    • The personal legal liability of water skiers, if and as long as he/she is in the towing of the vehicle (subsidiary)
    • The legal liability from damage occurring during participation in sailing regattas or during transfers related
    • The legal liability of the persons insured from a damage at a wracked boat which occured during an aid measure e. g. a rope connection, provided that they are asked to render assistance to a boat in distress
    • The personal legal liability of the policyholder and the persons co-insured from the skippering or operation of foreign watercrafts and / or its facilities, equipment, and attachments (subsidiary)
    • Liability claims among the persons co-insured for property damage and personal damage, which are not caused by industrial accidents in the company of the policy holder
    • The legal liability from damage of rented storerooms and piers (up to € 200,000), which were rented for personal purposes to place or or store the boat / yacht
    • The legal liability from pecuniary damage from claims which occurred during the effective insurance period
    • The legal liability of the policy holder from direct or indirect consequences of changes of the physical, chemical or biological nature of a stretch of water including groundwater (water pollution).
  • Facts of the fully comprehensive insurance
    • True all-risk coverage
    • In the case of partial damage, "new for old" (without deductions)
    • Not designated personal effects and not permanently installed equipment and attachments up to 2% of the fixed tax per event
    • Expenses for salvaging, salvage attempts and, if so, waste disposal up to a sum of 200,000 € (in addition to the sum insured)
    • Expenses of the policyholder for the prevention and reduction of damage up to a maximum of 50% of the sum insured
    • Inspection costs after the grounding of the yacht, without deductible
    • In a foreign country the organization and payment of a replacement skipper due to an unexpected illness of the skipper (up to 1,100 €), for the transfer to the shipping port or destination 
    • In the case of a total loss: agreed insurance sum minus residual value
    • Consequential damage of the yacht and boat caused by rain, snow, heat, oxidation, rodents, deterioration, construction, production or material defects, ...
  • Passenger Accident Insurance
    • Worldwide coverage for the yacht insured and their dinghies and for yachts chartered by the policyholder
    • Persons insured are the policyholder (owner), skipper, crew members, visitors and guests, ...
    • Double disability benefit from 90% disability
    • Replacement of up to € 3,000 for rescue operations and salvaging
    • Replacement of medical fees, other surgery costs, hospital stays as well as dental cost for cosmetic surgeries  up to a limit of 3,000 €

Optional ...

  • Co-insurance of the charter risk (commercial use)
  • Co-insurance of the charter loss in commercial use
  • Additional machinery coverage (Includes unforeseen disgraces due to operation errors or clumsiness, the failure of measurements, control systems or security equipment, a breaking caused by centrifugal force, over-pressure, vacuum pressure, frost and ice)
  • Additional machinery coverage for new boats / motors can be requested for free for the first 36 months
  • Co-insurance of seizure, war and strike

The BASIC-coverage in bullet points

  • Co-insured in the liability insurance is as follows:
    • The personal legal liability of the skipper and other people authorized to operate the vehicle
    • Possession and use of dinghies with up to 5 PS
    • The legal liability for the pulling of water skiers and kite surfers
    • The personal legal liability of the water skier, if and as long as he/she is in the towing of the vehicle (subsidiary).
    • The legal liability for damage occurring during participation in sailing regattas or during the  transfer trips related
    • The legal liability of the persons insured, provided that they are asked to provide assistance for a boat in distress, and a damage at the wracked boat is caused by this aid measure e.g. a rope connection
    • The legal liability for pecuniary damage from claims which occurred during the effective insurance period
    • The legal liability of the person insured for direct or indirect consequences of changes of the physical, chemical or biological nature of a stretch of water including groundwater (water pollution).
  • Facts of the fully comprehensive insurance
    • Worldwide coverage possible
    • Insurance cover extends yacht / boat including machinery, equipment, inventory, dinghies, attachments and personal effects
    • Insurance cover is valid on water and on land, including the landing and launching
    • Insurance coverage for transports by road and for the boat trailered by ferry 
    • Risks insured: collision, grounding, stranding, sinking, fire, explosion, theft, vandalism, acts of God, lightning strike, mast breakage
    • Including insurance cover for trailers in the case of fire, explosion, theft as well as total loss due to an accident of force majeure
    • Expenses for salvaging, salvage attempts and, if so, waste disposal up to the amount of the sum insured (in addition to the sum insured)
    • Expenses of the policyholder for the prevention and reduction of a damage up to a limit of 20% of the sum insured
    • Including regatta risk / race risk for sailing yachts during club regattas
    • In the case of a total damage: replacement of the time value (time value insurance)
    • In the case of a partial damage: acquisition of 100 % of the repair costs, aquisition of transport cost to the shipyard and the way back,
    • Not designated personal effects, equipment and attachments  up to a value of 1% of the sum insured are automatically co-insured
    • Elimination of the deductible in case of theft if the boat or outboard motor are equipped with a GPS / GSM transponder
  • Passenger Accident Insurance
    • Worldwide cover for the yacht insured and its dinghies
    • Persons insured are the policyholder (owner), the skipper, crew members, visitors and guests, ...
    • Double disability benefit up to 200,000 € / person from 90% disability

Optional ...

  • Co-insurance of the charter risk (commercial use)
  • Co-insurance of charter loss in commercial use
  • Co-insurance of the regatta risk (extension of the insurance cover on training cruises and int sailing regattas)
  • Additional machinery coverage (Includes unforeseen disgraces due to operator errors, clumsiness, failures of measurement, the control system or the security equipment due to centrifugal force, over-pressure, vacuum pressure, frost and ice)
  • Co-insurance of seizure, war and strike