Blue water insurance: Sail off the map. We'll keep watch.

With a provider whose cruising area is worldwide without a time limit and whose cover does not pause in hurricane season; that is what this blue water policy is built for. With NAMMERT you get liability and hull cover for a circumnavigation with no surcharge for the worldwide area, single-handed sailing included, yachts over 25 years accepted. Once the boat moves more than 300 nautical miles, the digital log book must be kept; otherwise a hull claim can be reduced by up to 50 per cent. You need either your residence or the flag in Germany, Austria or Spain. Calculate the premium online; for long passages we ask about route and crew first. Your own health needs a separate long-stay travel medical policy.

Yes, as long as the yacht sails under the German, Austrian or Spanish flag. We can underwrite when either your residence or the flag is in one of those three countries; one of the two is enough. Owners who deregister before departure, or who live somewhere else along the way, keep their cover under that flag. Only when neither applies are we not allowed to insure.

We do, the same team that handles a claim in the Baltic. You report it by WhatsApp at any hour or by email; Premium adds an emergency number outside office hours. We check cover and cruising area, arrange a surveyor and a yard locally and settle directly with the yard abroad. We decide the claim under our own claims authority, and Württembergische Versicherung AG pays it as the risk carrier. What takes time in the Pacific or the Caribbean is spare parts and officials, not our assessment.

For most blue water yachts, yes; this is what the cover is built for: worldwide without time limit or surcharge, no hurricane lay-up, single-handed sailing included, yachts over 25 years accepted. Some competitors offer more if you need unlimited salvage costs or personal effects above 6,000 euros, our Premium limit. On premium we came fourth of five for the long-distance yacht in our own survey.

Liability starts at around 39 euros a year; hull cover is priced on the agreed value of your sailing yacht, not on its length. The worldwide cruising area carries no surcharge, and hurricane season costs nothing extra. The binding figure is the quote based on your details; for a world cruise we first ask about route, crew and how rig and engine are maintained.

Yes. Yacht liability includes claims abroad (clause A-7); unlike hull cover it has no cruising area. The limit is shown in your policy schedule and can be chosen up to 50 million euros. Two limits to know: for claims in the USA, its territories and Canada you carry 20 per cent yourself, at least 2,500 euros (A-4). And cover for statutory environmental damage applies abroad only within the scope of the EU Environmental Liability Directive. Many marinas ask for proof; the international certificate of insurance is available in ten languages.

The one whose wording fits your route. Check six points: is the cruising area worldwide without a time limit? Does cover pause in hurricane season? Is single-handed sailing allowed? Is the rig covered on an older yacht? Up to what amount are salvage costs paid? Who handles a claim abroad? Our comparison of seven providers on exactly these features is on this page.