Calculating your swinging circle, clearance from your neighbour at anchor

Boats swing in different ways: keelboats sit deep and lie to the current, while motor boats and catamarans are turned far more by the wind. In a mixed anchorage two neighbours can therefore lie in quite different directions once the wind shifts, and the clearance that looked right in the evening has gone by four in the morning.

If two boats do touch, liability follows fault. Whoever anchored too close, or whose anchor drags, is liable. If you were properly anchored and a boat that anchored later hits you, you have a liability claim against her owner, which is of little use if the party responsible carries no insurance.

That is exactly what cover for irrecoverable claims is for, and it is included from Basis-Plus upwards. It puts you in the position you would be in if the party responsible held a policy like your own: from 2.500 euros of damage, with an enforceable title and after an unsuccessful attempt at enforcement. Lying at anchor unattended is covered from Basis-Plus upwards as well, overnight and off an open coast.