Third-party liability
Compulsory in some waters, demanded in nearly all of them
There is no single European rule. Germany has no general requirement for pleasure craft, Spain, Croatia and Italy do, and almost every marina asks for a certificate regardless. The practical question is not whether you need one, but whether the one you hold is accepted where you berth.
What the popular cruising countries require
Checked at the slipway and in the harbour office, not at the point of sale.
Figures follow each country’s national rule; check the current version before you sail. Where a minimum depends on boat class or zone, we issue the certificate with the sum your marina asks for.
Six things the cover has to carry
Personal injury and property damage
Up to the agreed sum, €50m in Premium, far above the minimums of the Mediterranean states.
Environmental damage
Spilt fuel and clean-up ordered by an authority. Over protected seagrass the bill climbs quickly.
Whoever is at the helm
Cover attaches to the vessel: any authorised person holding the licence required for those waters, with no crew list.
People being towed
Waterskiing and wakeboarding claims must be included, or the person steering is personally liable.
Tender and trailer
Included at no extra premium, with their own outboard and while uncoupled ashore.
Damage to hired property
A dented pontoon or a damaged finger berth, included from Basis-Plus. It is the commonest claim in a visitors’ harbour.
The line to read twice
A headline sum is not a per-person sum
Many wordings advertise a large overall limit and then cap what any single injured person can receive. In a serious personal-injury claim that sub-limit is what you actually have, not the number on the front page.
Ours carries no sub-limit per person: the agreed sum, €10m, €25m or €50m depending on the tariff; is available for one claimant as much as for twenty.
Certificates
Which sum does your marina ask for?
Tell us the harbour and we issue the certificate with that figure, in the language they want to see.
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 →