Electric boat insurance
On an electric boat the battery is the policy
Half the value of an electric boat sits in cells and power electronics, and that is precisely the part a wording written for petrol engines never mentions. What follows is not a surcharge, it is a different sentence in the conditions.
In short
Is the battery covered on an electric boat?
Yes, batteries and charging equipment are covered in every tariff, including animal bite, short circuit and the clearing and disposal costs after a battery fire. Liability starts at 49 euros a year. Policies written for combustion engines fail exactly here.
Figures from the NAMMERT tariff, August 2026, annual premium including insurance tax.
Partial cover and full cover
Partial covers the boat at rest, full adds what happens under way. The electric parts sit in both.
Six points a petrol wording misses
None of them is exotic. All of them are ordinary on an electric boat.
Cells in every tariff
Not an optional extra and not limited to the entry tariff. The battery is insured with the boat from the first day.
Charging equipment ashore
The charger and the shore installation belong to the risk, because that is where most electrical damage starts.
Animal bite
Rodents in winter storage are the most common electrical claim of all, and many wordings quietly exclude them.
Disposal after a fire
A burnt battery has to be cooled, transported and disposed of as hazardous waste. That cost is inside the cover.
Short circuit and electronics
Consequential damage to controller and drive is covered, not only the component that failed.
Agreed value with the battery
The sum insured includes the battery, so a total loss does not settle on the value of an empty hull.
Plainly said
Where the value really sits
On a ten metre electric launch, the pack can be a third of the purchase price and it ages on its own schedule. Insure the boat and forget the pack, and the sum insured is wrong before the first season is over.
Tell us the capacity in kilowatt hours and the year the pack was fitted. If it was replaced later, that raises the agreed value rather than complicating the claim.
Before you buy
What we need for a quote
Length, motor output, battery capacity and year, value including the pack, and where the boat is charged and stored.
Before you sign
The three questions you actually have
Not “what does it cost”; you can work that out yourself in a minute. These are the three nobody asks an insurer out loud. Here they are, with the answers we can back up.
“Will they actually pay?”
We are an Assekuradeur; a managing general agent that underwrites and settles claims under its own authority. Our own claims department, appointed surveyors, more than 2,000 partner yards. Cover checked within 24 hours, release or a survey appointment within 48. We settle directly with the yard; you pay the deductible and nothing else.
What happens in the first 48 hours →“Who picks up the phone?”
A family firm since 1989, now in its second generation, with three of its own offices: Königs Wusterhausen near Berlin, Salzburg and Palma de Mallorca. No call centre, no franchise. You get a named contact from the first hour; and after office hours, a number somebody answers.
Out of hours: +49 3375 29 28 95 →“And if I choose wrong?”
Find the same cover cheaper elsewhere and we make up the difference. Our comparison sets seven providers against the same criteria; including the segments where somebody else comes out ahead of us, and the one where we are the most expensive in the field.
Price guarantee →When we are not the right fit →