How do I get home if the boat is stranded?

Short answer

The hull claim is one thing, the journey another. Accommodation, repatriation, a replacement vehicle and emergency repair are separate items with their own limits.

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Damage in home waters is an annoyance. Damage 600 kilometres away is a travel plan. Suddenly there are questions that concern the boat only indirectly: where does the crew sleep tonight, how does everyone get home, who fetches the boat later, and may the local yard make it watertight for now so that it does not get worse?

These items sit separately from the hull claim itself in policy wordings, with their own limits and their own conditions. Typical are accommodation costs per person per night for a limited number of nights, travel home, a replacement vehicle for the remaining holiday, repatriation of the boat to its home waters, and emergency repair at the scene. Almost everywhere the benefit requires that it was agreed with, or arranged by, the insurer.

From which follows the practical rule for the day it happens, and it matters more than any limit: call before you instruct or book. An agreed hotel, an agreed emergency repair and an agreed hire car are recoverable; the same invoices without agreement often are not. Our after-hours emergency line is +49 3375 / 29 28 95.

What counts as an emergency repair?

A provisional measure that limits the damage or allows you to continue, such as temporarily sealing a leak. It does not replace the actual repair, it stops the loss growing.

Does it apply abroad?

Within the agreed cruising area, yes. Check beforehand whether your policy carries a separate amount for repatriation to home waters; for a boat in the Mediterranean that is the largest item.

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