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Seasonal policy: limit cover to the season, lower the premium
Cover applies from 1 April to 31 October only, that is the limit; in return the premium is lower,
the policy term stays one year.
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A seasonal policy is not an added benefit but a restriction: cover applies from 1 April to 31 October and not outside those months. The policy term stays one year. If you do not use the boat in that time anyway, you pay less for it. The slider above gives an idea of the saving: on a boat worth sixty thousand euros it comes to around one hundred and thirty euros a year.
What matters is what applies over the winter: from 1 November to 31 March a seasonal policy gives no cover, not even during the lay-up ashore or afloat. Fire in the storage shed, storm damage out in the open yard and theft from the premises are not covered in that period; protecting against them takes a year-round policy.
What stays uncovered is what is never covered: frost damage from failing to drain the systems counts as maintenance. Winterising the boat remains your job, seasonal policy or not.
Frequently asked questions
Am I insured over the winter with a seasonal policy?
No.
From 1 November to 31 March a seasonal policy gives no cover, not even in winter storage.
When does a seasonal policy pay off?
From four to six months on the water a year.
Worked out for your type of boat
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