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Safety gear on board, equipment per person and personal accident cover
One lifejacket per person, plus safety harnesses, a lifebuoy, hand flares and a first aid kit;
what is required depends on the waters and the flag state.
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The quantities given here are recommendations for coastal waters, not a legal requirement. What is actually prescribed depends on the waters you sail and on the flag state; Croatia, Italy and Spain each have their own equipment lists, and those lists are checked on site. Automatic lifejackets also need their firing heads serviced at regular intervals.
The most important gap lies elsewhere: third-party liability pays only if somebody is liable. If someone on board is injured through a handling error and nobody else is at fault, nobody is liable, and so no liability cover pays either. That is precisely where personal accident cover for those on board comes in.
In Premium it applies to all authorised persons on board, from the moment they step on board until they leave the boat, and it covers disability and death regardless of who was at fault. On a jet ski, the helmet bonus also rewards wearing one. Whether claims between crew members are covered depends on the policy, so check the wording before a longer passage.
Frequently asked questions
Does third-party liability pay when someone on board is injured?
Only if somebody is liable.
After a handling error with nobody else at fault,
it is the personal accident cover for those on board that responds, not the liability cover.
Does the personal accident cover apply to guests?
In Premium yes, all authorised persons on board are insured there,
from the moment they step on board until they leave the boat.
Basis insures only the owner, Basis-Plus also the family of the owner.
Worked out for your type of boat
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