Motorboat insurance: Full throttle, zero worries.

Liability starts at 49 euros a year and is rated on engine power, not on the value of the boat.

Full cover includes theft of the outboard if it was secured with a locking bolt or similar.

From Basis-Plus the liability covers towing water skiers,

a tender up to 30 hp and the trailer at no extra premium,

the trailer once it is named in the application with its value.

Rated output at the crankshaft in kW, taken from the engine plate or the papers.

If the boat carries two engines, both go in.

An engine damaged by fire, or stolen with the whole boat, is a claim already under partial cover.

Grounding and collision damage come under full cover.

An engine that fails from inside is not a hull claim.

For that there is the machinery cover, available from Basis-Plus for engines up to ten years old.

Usually nobody: frost damage is excluded in every tariff unless a storm caused it.

Proper draining and winterising is therefore your own protection.

Keep the invoices for the lay-up anyway,

because the machinery cover requires maintenance by a specialist firm.

You choose between 500 and 1,000 euros on the hull cover for a motorboat;

the higher figure lowers the premium.

There are no extra deductions 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.

Yes, if the motorboat has full cover.

Then your own mistake at the helm, a grounding or a collision is paid,

and for gross negligence the insurer does not reduce the payment up to 25 percent of the sum

insured in Basis PLUS and up to 50 percent in Premium.

Only intent is excluded.

Partial cover only pays for what comes from outside.

Storm, hail, fire, lightning and theft of the whole motorboat are paid already under partial

cover, sinking after an accident,

theft of single parts down to the outboard and wilful damage under full cover,

in winter storage and on the trailer too; only a seasonal policy pauses in winter.

Salvage costs after an accident come on top: by official order up to the sum insured in Basis,

up to 1 million euros in Basis-Plus and up to 2.5 million in Premium.

It depends on the tariff.

Premium pays the agreed value: the figure fixed at the start, no deduction new for old,

no age limit.

Basis-Plus pays the agreed value while the motorboat is up to five years old,

or older if its current value still reaches half the sum insured,

in both cases once replacement is shown.

Otherwise,

and always in Basis, the current value is paid, what the motorboat was worth just before the loss.

Yes, if the waters belong to the cruising area of the motorboat stated in the policy.

You can choose inland waters, North Sea and Baltic, the Mediterranean or worldwide,

without surcharge for the wider level and without time limit.

Anyone in Premium who goes beyond it once is still covered for six weeks a year.

Under German law, no, apart from the Swiss part of Lake Constance.

Anyone taking a motorboat to Italy, Spain, Greece,

Denmark or Croatia (from 15 kW) needs liability cover there by law.

And almost everywhere the harbour asks for proof before it allocates a berth.