Electric boat insurance: Silent running, loud laughs.

Yes, once the boat is declared as electric, the electric boat clause applies in every tariff.

On top of the named perils it pays consequential damage from animal bite or short circuit (up to

10,000 euros in Basis, 20,000 from Basis-Plus), clean up and disposal after battery damage (1,500,

10,000 or 3,000 euros in Basis, Basis-Plus,

Premium) and your own charging station (1,500 or 3,000 euros).

Liability starts at 49 euros a year.

The charger on board belongs to the boat and is included.

Your own charging station is insured up to 1,500 euros in Basis and 3,000 euros from Basis-Plus;

the charging point on the pontoon belongs to the marina.

If your cable causes damage to someone else's property, that is a liability matter,

and a crushed cable is one of the more common causes.

No.

Capacity loss over the years is ageing and is not covered under any hull policy.

What is covered are the named events of your tariff, such as fire, storm and theft,

from Basis-Plus also accidents.

Then the battery counts as part of the sum insured.

Liability for an electric boat starts at 49 euros a year.

Hull cover is rated on the sum insured,

and battery and charger count towards the value of the boat.

Partial cover starts at 199 euros, full cover at 219 euros a year;

only the quote with your figures is binding.

For hull cover on an electric boat you agree 500 or 1,000 euros, nothing more;

there are no hidden extra deductions and no scales by type of loss.

In Basis PLUS and Premium the deductible does not apply to total loss and theft,

in Premium for theft only if the craft was kept locked away or on enclosed premises.

After five claim-free years it is halved there for the first claim;

in Basis the agreed amount always applies.

With full cover, yes: grounding, collision and handling errors with an electric boat are claims.

Even in cases of gross negligence the insurer waives its defence,

up to 25 percent of the sum insured in Basis PLUS and up to 50 percent in Premium, unless theft,

alcohol or drugs caused the loss.

Only intent is always excluded, and partial cover does not carry your own errors.

Storm, fire, lightning and theft of the whole electric boat are covered already under partial

cover.

Sinking, theft of parts including the outboard and vandalism come with full cover from Basis-Plus.

This applies in winter storage and on the trailer as well, except under a seasonal policy.

Salvage is paid on top when the authority orders it: up to the sum insured in Basis,

up to 1 million euros in Basis-Plus and up to 2.5 million in Premium.

In Premium the agreed value, the amount you and the insurer fixed when the policy started,

with no deduction for the age of the electric boat and no argument after the loss.

In Basis-Plus the same applies up to five years of age,

or later while the current value still reaches half the sum insured, once replacement is shown;

otherwise the current value is paid.

In Basis, the partial cover, the current value is paid,

meaning what the electric boat was worth immediately before the loss,

less a scaled age deduction after three years.

Yes, within the cruising area stated in the policy and on the way there on the trailer or roof

rack.

For an electric boat that is usually Europe including the Mediterranean, worldwide on request.

Premium covers six weeks a year outside the agreed area, the other tariffs only by prior agreement.

Italy, Spain, Croatia (from 15 kW), Greece,

Denmark and Swiss waters require liability cover by law.

Not in Germany, with one exception:

on the Swiss part of Lake Constance liability cover is compulsory, as on all Swiss waters.

Italy, Spain, Croatia from 15 kW, Greece and Denmark require it too.

Regardless of the law, most marinas,

clubs and winter storage yards ask for proof before they let you a berth for the electric boat.