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Calculating sail area, tariff class and premium for sailing boats
When calculating, what counts is the upwind sail area: mainsail plus the largest headsail.
Spinnakers and gennakers are not included.
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On motor boats the premium follows engine power; on sailing boats it follows the sail area. Insurers count the upwind sail area, mainsail plus the largest headsail. Downwind sails such as a spinnaker or gennaker are left out, because they are only flown in certain conditions.
The area determines the tariff class. The bands range from twelve square metres and under for dinghies to more than 120 square metres for large cruising yachts. Only once you know your own area can you compare quotations at all; where the figure is vague, insurers each work it out their own way.
Two further points worth checking if you sail: whether club regattas and open events are included, and whether that also covers the associated training sessions. Check too whether the policy sets a fixed age limit for the mast and rigging or assesses a dismasting on its cause rather than on the age of the rig.
Frequently asked questions
Does the spinnaker count towards the sail area?
No.
What matters is the upwind sail area, that is, the mainsail plus the largest headsail.
Are regattas covered?
That depends on the policy; check whether club regattas,
open events and training sessions are named.
Worked out for your type of boat
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