Fishing boat insurance: Tight lines. We mind the rest.

Liability starts at 49 euros a year,

hull cover from Basis-Plus insures the boat at an agreed value.

The outboard is covered against theft under full cover if it is locked with a security bolt or

kept in a locked building, sounder, plotter and tackle can be insured as equipment,

and from Basis-Plus the trailer sits in the liability section at no extra premium once it is named

in the application.

From Basis-Plus, rods, reels and handheld electronics count as personal effects,

up to 3 percent of the sum insured (at least 1,000, at most 3,000 euros, 6,000 in Premium),

while they are stowed on board.

In any tariff they can be insured as watersports equipment with a sum of their own.

Gear left lying in an open boat at the pontoon is a different matter,

and the duties for theft from an unlocked boat are set out in the policy wording.

Permanently fitted equipment belongs to the boat, including the sounder,

its transducer and a bow-mounted trolling motor.

The outboard is insured once it is named in the application with its value.

What matters is the declared value:

what was not named in the sum insured does not appear after a loss either.

For hull cover on a fishing 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 a fishing 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 fishing 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 fishing 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 fishing 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 a fishing 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 fishing boat.