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Written from the desk of a German underwriting agency: how claims actually get handled, what the small print in a boat policy is doing, and figures we gathered ourselves, with the source named.
Your host: Theo von Nammert
Theo feels at home on anything that floats: a fast motorboat in the morning, a dinghy in the afternoon, and any cruising yacht with a free berth at the weekend. Planing or beating to windward, as long as there is water under the hull.
He started Bordfunk because he had stood on the pontoon often enough without knowing what the small print said. So he visits the people who deal with it every day, crane operators, boatbuilders, harbour masters, and asks the questions owners ask, wind and engine noise included. The episodes are in German.
Series
Articles that belong together, in the order they are best read.
Insurance checks
One boat model in four parts, seen from the insurance side. Not a test drive: what a policy and its wording look at.
News · Policy and market
Our website now holds up when everyone checks in at once
We load tested nammert.com: it used to fail at 100 simultaneous requests. After one change on the same day it handles 200 without a single error.
16 October 2026New on nammert.com
Magazine · Policy and market
Boatyard hourly rates 2026: what they mean for a repair claim
German boatyards charge 77.75 to 86.02 euros an hour on average in 2026. What the survey means for repair quotes and a hull claim.
16 October 20266 min read
Magazine · Boat and season
Servicing safety equipment over winter: life jackets, liferaft, extinguisher and gas
Life jackets, liferaft, extinguisher and gas: which service intervals apply and what to check in the policy wording while the boat is laid up.
16 October 20267 min read
Magazine · Boat and season
Record low water at Lake Constance: what owners should check in their hull wording
Lake Constance is lower than at any time since 1949. What a grounding at the berth means for hull cover and what boat owners should check now.
15 October 20267 min read
Magazine · Policy and market
Diminished value and loss of use: what hull cover leaves out after a repair
Diminished value, loss of use, racing ability: why hull wordings often exclude consequential loss and where an owner can still claim it.
13 October 20267 min read
Magazine · Waters and sport
Favourite Harbour 2027: what makes a good harbour and why the berth matters for the policy
What turns a marina into a favourite harbour, and where the choice of berth meets the cruising area, winter storage and proof of insurance.
12 October 20267 min read
Magazine · Boat and season
Etap 22 insurance check: what the policy should say about this sailing boat
An insurance check of the Etap 22, not a sailing test: model name, hull number, outboard, who may helm, cruising area and club racing in a policy.
11 October 20267 min read
Magazine · Boat and season
Refitting a boat over winter: when a new engine increases the risk
A new engine, battery bank or drive fitted over winter: when a refit increases the risk, what to tell the insurer first and what to check.
11 October 20267 min read
Magazine · Boat and season
Car in the water at the slipway: which insurance pays for what
When the car follows the trailer down the slipway, four policies are involved: which pays for the car, the pontoon, the trailer and the boat.
11 October 20267 min read
Magazine · Claims
Boat on the beach after a storm: what hull cover pays and what not
A storm has put the boat on the beach. What hull cover pays, who pays to refloat it and which time limit can decide the claim before the storm.
11 October 20268 min read
Magazine · Boat and season
Sea-Doo RXP-XRS 300 insurance check: what the policy should say about the jet ski
Sea-Doo RXP-XRS 300 insurance check, part one: jet ski as boat type, name variants, hull number, riders, cruising area and level of cover.
11 October 20267 min read
Magazine · Boat and season
Sea-Doo RXP-XRS 300 insurance check: setting the insured value of the jet ski
Sea-Doo RXP-XRS 300 insurance check, part two: actual cash value or agreed value, accessories, trailer and modifications on a jet ski.
11 October 20267 min read
Magazine · Boat and season
Sea-Doo RXP-XRS 300 insurance check: trailer, slipway, winter storage and abroad
Sea-Doo RXP-XRS 300 insurance check, part four: trailer, launching, mooring, winter storage, seasonal policies, travel abroad and racing.
11 October 20268 min read
Magazine · Boat and season
Sea-Doo RXP-XRS 300 insurance check: typical jet ski damage and the wording behind it
Sea-Doo RXP-XRS 300 insurance check, part three: collision, grounding, debris in the intake, theft, passengers and liability on a jet ski.
11 October 20268 min read
Magazine · Boat and season
Etap 22 insurance check: setting the value of an older sailing boat
Etap 22, part two: what belongs in the sum insured, agreed value or actual cash value, rig, sails, outboard, trailer and a survey for an older boat.
11 October 20267 min read
Magazine · Boat and season
Etap 22 insurance check: typical sailing boat claims and what the wording says
Etap 22, part three: grounding, dismasting, torn sails, water in the boat, wear and tear and liability when racing, and how hull wordings treat them.
11 October 20267 min read
Magazine · Boat and season
Etap 22 insurance check: on the road with trailer, crane and winter storage
Etap 22, part four: trailer, road transport, lowering the mast, craning and slipping, mooring, winter storage, seasonal policies, abroad and racing.
11 October 20267 min read
Magazine · Boat and season
Bayliner Capri 2052 insurance check: what the policy should say about this boat
Not a sea trial: the Bayliner Capri 2052 seen through the paperwork, with model names, hull number, engine, skipper, cruising area and cover level.
11 October 20266 min read
Magazine · Boat and season
Bayliner Capri 2052 insurance check: setting the insured value right
Agreed value or market value, engine, accessories, cover, trailer and electronics: what to check when you set the insured value of a Capri 2052.
11 October 20266 min read
Magazine · Boat and season
Bayliner Capri 2052 insurance check: typical damage and what the wording says
Grounding, propeller, rope, water at the berth, theft and liability: what to look for in a hull and liability wording for a motor boat of this size.
11 October 20267 min read
Magazine · Boat and season
Bayliner Capri 2052 insurance check: on the road, at the ramp and abroad
Trailer, slipway, crane, berth, winter storage, trips abroad and towing a skier: what to check in a policy when a trailer boat is on the move.
11 October 20266 min read
Magazine · Boat and season
Boat damaged at the yard during winter work: hull cover or repair contract
A yard damages your boat during winter work. What hull wordings say, what the repair contract covers and what to record first.
10 October 20267 min read
Magazine · Boat and season
Leaving the boat afloat for winter: ice, storms and the policy wording
Keeping the boat afloat over winter: where ice, frost, storms, long absences and seasonal contracts show up in a hull wording.
9 October 20267 min read
Magazine · Waters and sport
Whale strike on passage: what decides the payout after a total loss
A yacht sank after a whale strike in the South Pacific. What decides a total loss claim: agreed value, proof of value and papers kept ashore.
7 October 20267 min read
Magazine · Policy and market
New for old: what a partial loss on a boat really pays out
New for old in boat hull insurance: how age deductions work, when VAT and surveyor fees are paid and why the residual value counts.
6 October 20267 min read
Magazine · Boat and season
Boat fallen off its stands: winter storage ashore and the claim
A boat falls off its stands in winter storage. What hull wordings say about storm, accident, upkeep and seasonal cover, and what to record.
5 October 20267 min read
Magazine · Boat and season
Leaves in the cockpit drain: when rainwater fills a moored boat
Leaves block the cockpit drain, rain fills the boat. What a hull wording usually says about weather and upkeep, and where the exceptions lie.
4 October 20267 min read
Magazine · Boat and season
The delivery trip to winter storage: four clauses to read before you cast off
In October many boats make their own way to the winter yard. Which parts of a hull policy decide a loss on that trip: area, condition, lights, stops.
3 October 20267 min read
Magazine · Waters and sport
Insurance for bluewater sailors: six clauses to read before you leave
A checklist for bluewater sailors: navigational limits, hurricane season, salvage, bail, single-handed sailing and health. What to read before a voyage.
2 October 20268 min read
Magazine · Waters and sport
Lake Garda's cleaning rule for visiting boats: what to check in your insurance before 2027
From 2027, boats arriving at Lake Garda from other waters must be cleaned first. Which policy clauses this touches, and why autumn is the time to act.
2 October 20267 min read
Magazine · Policy and market
Bought a second boat? How far provisional liability cover really goes
Some liability wordings take in new risks from day one. Why a boat needing a licence or compulsory cover usually falls outside, and which deadlines run.
1 October 20267 min read
Magazine · Claims
Damaged at the berth and nobody saw it: collision, vandalism or wear
A dent in the hull or a slashed cockpit cover, and no one saw a thing. What to check in a hull policy and why the line between damage and wear decides.
30 September 20267 min read
Magazine · Waters and sport
Renting a small boat in Spain from October: the licence question
From 1 October 2026 anyone renting a small motor boat in Spain needs a licence. What to look for in a liability wording and what remains unclear.
29 September 20267 min read
Magazine · Boat and season
Mice and mould in winter storage: why a gnawed cable is rarely a hull claim
Mice nest and mould grows under the winter cover. Why hull wordings usually exclude both, and where electric boats and fires can be treated differently.
28 September 20267 min read
Magazine · Claims
Collision with a working vessel: what matters while fault is still unclear
A tug, a sailing yacht and two versions over the radio: what to check in liability, hull and legal expenses cover before anyone knows who was at fault.
27 September 20268 min read
Magazine · Policy and market
Diesel in the marina: the two exceptions in a water pollution clause
Diesel from the tank vent, oily bilge water pumped overboard: the two exceptions that decide a water pollution clause, and what to check.
26 September 20267 min read
Magazine · Claims
Fire on board in winter: when a scorched cushion is not yet a fire
A fan heater keeps the cabin dry until the cushion chars. How hull wordings define fire, why scorching can fall outside it, and what matters afterwards.
25 September 20267 min read
Magazine · Boat and season
Unstepping the mast: where the rig stands once it leaves the boat
An unstepped spar spends the winter beside the boat. What to look for in a hull wording about rigging ashore, theft of loose parts and wear.
24 September 20269 min read
Magazine · Waters and sport
A customs deadline moves the route, and the route touches the cruising limits
New Zealand has shortened the duty free stay for visiting yachts. Why a changed route is a contract question and not only a passage plan.
23 September 20268 min read
Magazine · Waters and sport
Runner-up in Marbella, and three questions every race contract has to answer
Laureen Thellin Deprez finishes second in Marbella. What racing, training and air freight mean for a jet board contract.
23 September 20268 min read
Magazine · Waters and sport
Blaues Band der Warnow: what is actually insured at a junior regatta
A junior sailor's double win in Rostock: what a club policy covers at a youth regatta, and what families still need to arrange themselves.
22 September 20266 min read
Magazine · Policy and market
Gross negligence in hull insurance: the clause that decides how much is paid
A serious mistake need not cost the whole hull claim. How reduction for gross negligence works, and what a waiver clause and its exceptions change.
22 September 20267 min read
Magazine · Waters and sport
German jet ski champion races number 94 in the NAMMERT Ranking
The 2026 German Runabout GP2 champion races as number 94 with the NAMMERT logo in 2027. What the ranking offers and what racers should check.
21 September 20265 min read
Magazine · Claims
Lightning at the berth: when dead electronics are a lightning loss
After a thunderstorm the chartplotter stays dark. Whether a hull claim succeeds depends on proving lightning was the cause, and on evidence kept early.
21 September 20267 min read
Magazine · Boat and season
October at the berth: when a gust counts as a storm in the wording
In October the boat is still afloat and the owner is at home. Three clauses in a hull wording decide who pays for an autumn gale at the berth.
20 September 20268 min read
Magazine · Waters and sport
Entry fees back: why we support water sports athletes directly
The NAMMERT Ranking 2027: entry fees back for athletes wearing our logo, six sports, twelve Kings and up to €15,000. What is behind it and how it works.
19 September 20265 min read
Magazine · Waters and sport
Towed in by Spain's rescue service: who now pays the bill
Since 1 September 2026 Spain's sea rescue service charges for a tow after engine failure. What to check in a hull policy before the next passage.
19 September 20267 min read
Magazine · Policy and market
Selling a boat: why hull cover may follow the boat and liability may not
When a boat changes hands, hull and liability cover can end very differently. Which sale clauses to find and what buyer and seller should do.
18 September 20267 min read
Magazine · Claims
Rope round the propeller: proving the engine damage was an accident
A rope round the shaft, and weeks later the seal leaks: the claim turns on accident or mechanical breakdown. Why the rope is the evidence worth keeping.
17 September 20267 min read
Magazine · Policy and market
After ELEMENT: act earlier than a guarantee fund
A German brokers' association replied to my piece on ELEMENT. Why a guarantee fund only acts after the loss, and three steps that would help earlier.
17 September 20264 min read
Magazine · Policy and market
3.6 million Germans go boating, only one in eight on their own boat
A survey for Germany's ADAC shows most boaters charter or borrow. What that means for liability, hull cover and deposits when the boat is not yours.
17 September 20264 min read
Magazine · Policy and market
The ELEMENT insolvency: why I will not stay silent
More than 25,000 claims filed, nothing paid out: Norman Nammert on the collapse of the German insurer ELEMENT and what it says about small insurers.
16 September 20266 min read
Magazine · Boat and season
Lifting out: the three minutes when the whole boat is visible
Autumn lift out is the one hour when keel, rudder and shaft are exposed. What to read in a hull wording before the slings go on, and what to photograph.
16 September 20268 min read
Magazine · Boat and season
Laying up: what actually matters in October
The order to work in when laying a boat up, and the three omissions that turn out most expensive in spring.
15 September 20266 min read
Magazine · Boat and season
Charging through the winter: the electric boat clauses behind a battery claim
A lithium pack laid up for winter has to be charged, and charged properly. Which electric boat clauses decide a battery fire or deep discharge claim.
15 September 20268 min read
Magazine · Policy and market
Locked or not: the security conditions that decide a theft claim ashore
When an outboard, trailer or trailer boat is stolen ashore, the first question is how it was secured. Which clauses to find and what they ask.
14 September 20267 min read
Magazine · Boat and season
Water in the boat at the berth: keep the hose that failed
When a boat floods at her berth, the claim turns on one question: sudden event or gradual wear. Why the failed part and the maintenance records matter.
13 September 20267 min read
News · Policy and market
The toolbox: what each calculator result means for a contract
The toolbox holds sixty calculators. This post is about the second half of each page: what the result means when a contract is read later.
30 July 2026New on nammert.com
News · Policy and market
Bordfunk: a podcast about the small print, in German
A daily podcast on one question from claims practice. It started in September 2026 and it is recorded in German.
29 July 2026New on nammert.com
News · Policy and market
Six providers, two jet skis: what a market survey shows
We asked six providers for the same two craft and compared 23 coverage points. What the survey shows about price, and about the wording.
1 July 2026Market survey
Magazine · Claims
Reporting damage: the first three hours decide
What to do in the first hours after boat damage: make safe, document, report, and the three mistakes that make settlement harder.
12 June 20267 min read
Magazine · Policy and market
Reading your own policy: seven sentences that count
Which seven entries in a boat policy decide what happens after a loss, and how to judge any contract, your own or an offer, in ten minutes.
20 May 20268 min read
Magazine · Policy and market
Underwriting agency, broker, insurer: who does what
Agency, broker, insurer: three roles that decide everything after a loss. Who underwrites, who settles, who carries the risk.
8 April 20266 min read
Magazine · Boat and season
Trailering and launching: the underrated hours
Plenty of damage happens between the yard and the water. What decides it on the road and on the ramp, and who is liable when.
18 March 20266 min read
Magazine · Waters and sport
Chartering: the deposit, the skipper, the handover
What a charter deposit actually covers, what a skipper is personally liable for, and why the handover is the most important half hour of the trip.
11 February 20267 min read
News · Claims
German "yacht insurance" injunction lifted, appeal pending
A German court barred a competitor from using the word insurance in its name in January 2026. The order has been lifted; the rule behind it remains.
22 January 2026Law
News · Policy and market
Who carries the risk, and why you should ask
After the insolvency of the previous risk carrier ELEMENT, Wuerttembergische Versicherung AG carries the risk on NAMMERT contracts.
1 March 2025Company
Not ours, but about our trade
This page carries what we write ourselves. What happens in the boating industry, at yards, associations, courts and shows, we collect separately, with a named source under every item.
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