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Motor yachts: brands, cover and insurance
Beyond twelve metres, documentation counts.
With motor yachts it is not the brand that decides the settlement but the value you can prove. Custom fit-out, refits and electronics belong in the agreed value with invoices; without evidence the figure is derived from the year of build.
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What matters for this class of boat
Check whether the policy pays an agreed value or a depreciated value, and whether the sum can be adjusted during the term.
Submit the equipment list, refit records and invoices with the application.
Salvage and wreck removal: check the limit, and whether it sits inside the sum insured or on top of it.
Check the cruising range: some policies work with zones, and a berth outside Europe has to be named.
Brands in this class
84 brandsThese points apply to the whole class; each brand has its own page with models and years.
Linked above are the brands with the most recorded models. Further brands in this class: Ranger Tugs / Cutwater, Rossinavi, Sabre / Back Cove, Sargo, Sasga / Menorquín, Sealegs, Seamaster, Steel displacement boats, Steeler, Super Lauwersmeer, Turquoise Yachts, Van der Heijden, Wally, Weyres / Rhine cruisers. Their pages are listed in the boat brands A to Z.
Motor yachts: what to check in the insurance conditions
Value: what you can prove
A motor yacht is rarely worth what the brochure said. Refits, new electronics, a tender, a passerelle and a custom interior can move the figure a long way from the year of build. Insurers settle on evidence, so keep an equipment list with dates and invoices, and update the sum insured after every refit. A policy on an agreed value only helps if the agreed figure is the real one.
Use: crew, guests and range
Ask who may run the boat. Some policies restrict cover to named skippers, others ask for a licence that matches the length or the cruising area. If a professional skipper or a delivery crew takes the boat, check that they are included. The cruising range should match your plans for the next season, not the last one, and a berth abroad should be named in the contract.
Berth and lay-up
Yachts of this size spend most of the year at a marina berth or in a boatyard. Check what the policy expects there: shore power connections, bilge pumps, fire extinguishers and winterisation are common conditions, and a claim can be cut if one was ignored. Ask whether the yacht is covered while lifted, on the hard and during a boatyard refit.
Typical claims
Fire in the engine room, water ingress through a failed hose, lightning strike on the electronics and a collision in the marina are the large claims in this class. Salvage and wreck removal can cost more than the yacht, so check the limit for it and whether that limit sits inside the sum insured or on top of it.
