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Catamarans and multihulls: brands, cover and insurance
Two hulls, twice the parts.
A twelve-metre catamaran has two drives, two steering systems and twice the component count of a monohull the same length; with repair costs to match. The sum insured has to reflect that.
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What matters for this class of boat
Both drives and steering systems belong in the sum insured.
Ask for an agreed value based on purchase price or a valuation, not an estimate from the year of build.
Keep charter use and your own use apart: the charter operator insures their operation, not your ownership interest.
Check the cruising range and look for hurricane or cyclone clauses: many policies exclude named regions in the storm season.
Brands in this class
17 brandsThese points apply to the whole class; each brand has its own page with models and years.
Catamarans and multihulls: what to check in the insurance conditions
Value: two of everything
A catamaran carries two engines, two saildrives, two rudders and two steering systems, and often a large solar and battery installation on top. Add each of them to the sum insured as a line of its own. Beam and bridge deck also make a multihull more expensive to haul out and repair, and a policy that estimates the value from the year of build alone will usually come out too low.
Use: charter, ownership and long passages
Many multihulls are bought for charter management or for a long cruise. Keep the two apart in the contract: the charter operator insures the operation, the owner insures the boat. If you plan an ocean crossing, check the cruising range, the crew requirements and any clause about storm seasons in named regions. A policy written for the Baltic will not carry you across the Atlantic without an endorsement.
Berth and haul-out
Wide boats do not fit every berth and every travel lift. Ask whether the policy covers the yacht on the hard, in a cradle and during a lift, and whether a yard outside Europe is acceptable. Storage on the hard during a hurricane season is often a condition, not a choice, and the policy should say where and how.
Typical claims
Bridge deck slamming, a saildrive hit by a mooring line, lightning strike on the electronics, capsize in strong wind and collision with a dock are the claims that recur. Lightning deserves a close look: with two hulls the damage can spread across two complete electrical systems, and the policy should pay for both.
