Cruising range: where your policy actually covers you

Short answer

Most claims that get declined are not declined because of an exclusion. They are declined because the boat was outside the agreed cruising range.

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Every hull policy defines a geographical area. Outside it there is no cover, and no exclusion needs to be invoked; the contract simply does not reach that far. This is the single most common reason a passage claim fails, and it is entirely avoidable.

Read the exact wording rather than the summary. "European coastal waters" does not include an Atlantic crossing. "Mediterranean" often stops at Gibraltar. "Within 12 nautical miles of the coast" rules out any offshore passage, including the direct route from Mallorca to the Balearic mainland in some readings.

We agree the range with you rather than assigning one. Worldwide cover is available, including ocean passages, and extending the range for a single season is straightforward if you tell us in advance. What cannot be done is extending it retrospectively, which is why we would rather have the conversation in February than in June.

Is worldwide cover available?

Yes. We write worldwide cruising ranges including ocean passages. The premium reflects it, and there are conditions on crew and equipment for long passages.

Can I extend the range for one trip?

Yes, for a defined period. Tell us before you leave.

Is there a hurricane exclusion?

Not in our standard wording, which is unusual in this market. Several competitors exclude the Caribbean hurricane season or require the boat to be north or south of a stated latitude.

Can I insure with you? Claims in English Flag and registration