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Sailing boats and yachts: brands, cover and insurance
Rig and sails are the expensive part.
On a sailing yacht the rig claim is the one that matters, and the place where policies build in restrictions. Mast, boom, standing and running rigging and the sails should be part of the hull cover, and the wording should say so.
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What matters for this class of boat
Check that rig, standing and running rigging and sails are in the hull cover, and whether the policy requires the standing rigging to be replaced after a set number of years.
Check whether club regattas and open events are covered, and whether racing carries an extra premium or a higher excess.
Check whether single-handed sailing and unattended anchoring off an open coast are covered or excluded.
Older yachts and boats of modest market value: check whether the insurer accepts them and whether a survey is required.
Brands in this class
66 brandsThese points apply to the whole class; each brand has its own page with models and years.
Sailing boats and yachts: what to check in the insurance conditions
Value: rig and sails count
On a sailing yacht a large part of the value hangs above deck. Mast, boom, standing and running rigging, sails and a furling system add up quickly, and a dismasting takes most of them at once. Put the rig into the sum insured at replacement cost and check that sails are covered for damage in use, not only for theft or fire. A racing wardrobe deserves its own line in the equipment list.
Use: racing, single-handed and at anchor
Sailing brings situations that a policy either names or leaves open: club regattas, open events, single-handed passages and leaving the yacht at anchor while you go ashore. Read what is covered, what is excluded and where a higher excess applies. A wording that says nothing about racing is not the same as one that includes it, and the difference shows on the day a spinnaker pole goes through a competitor.
Age of the rigging
Many insurers link cover for the mast to the age of the standing rigging and refuse a rig claim once the wire has passed a set number of years without replacement. Ask whether such a clause exists, whether a survey by a rigger replaces the requirement, and whether an older yacht needs a full survey before cover starts.
Typical claims
Dismasting, a torn sail in a squall, grounding on the keel, a collision at the start line and storm damage at the berth make up most of the claims. Keel and rudder damage after a grounding is often larger than it looks, so check that the policy pays for a haul-out to inspect the hull even when nothing is visible from the deck.
