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Comprehensive hull cover, in the boat insurance glossary
Boat insurance term, area: Hull
Owners usually sort hull cover into two levels. The narrow one is limited to listed events such as storm, lightning, fire and the theft of the whole boat. The wider one adds accidental damage to the boat itself, the part that answers when the helm, and nobody else, caused the loss: a grounding, a knock against the pontoon, a broken mast, a capsize. Comprehensive is the word brokers use for that wider level, and it is the level most owners assume they hold. It never means everything, though. Wear, corrosion and osmosis sit on the exclusion list of every wording.
What to check: Two questions for your own policy: does the hull section name accidental damage to the boat itself, or only storm, fire and theft? And what happens to survey costs after a reported grounding when the lift out shows no damage at all?
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A general explanation in our own words.
What applies to you is set only by the wording of your own policy.
