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Theft of parts and equipment

Boat insurance term, area: Theft

Theft of individual items rather than the whole boat: outboard engine, electronics, tender, liferaft. Restricted hull covers regularly exclude it and insure only the theft of the entire vessel. Outboards and portable electronics are quick to remove and easy to sell, which makes them attractive on moorings and in boatyards.

What to check: Is theft of parts insured, including outboards, tenders and removable electronics? Are there extra conditions, such as the outboard being locked to the transom or taken ashore when the boat is left?

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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.

A hooded thief tampers with the outboard of a motorboat on a pontoon at night

Theft at the berth

Locks help. So does cover.

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