Cruising area · Lake Como · EU inland waters
Boat insurance for Lake Como
The lake sits in a narrow alpine trough and splits into three arms; at 410 metres it is the deepest in Italy. The wind runs to a clock: the Tivano from the north in the morning, the Breva from the south in the afternoon. Thunderstorms send gusts out of the side valleys that far exceed the background wind. Car ferries cross constantly between Bellagio, Varenna and Menaggio, and a five knot limit applies within 150 metres of the shore.
- Season
- April to October
- Berth
- €€€ upper band
- Winter storage
- ashore storage usual, frost protection needed
- Position
- 46° 0,0' N 009° 15,6' E
On the map
The map shows this area.
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Berths, season and winter storage
The season runs from April to October and berths sit in the upper price band. Permanent moorings are scarce: the larger marinas keep waiting lists and the small village harbours are mostly unattended. Many boats lie on a buoy and come ashore for the winter. If you leave yours on a buoy through the winter, have the chain and shackles checked first.
What this means for your policy
Lake Como falls under the cruising range for the Italian lakes, so a policy written for British coastal or inland waters will not reach it. Two questions for the contract: does it expressly allow a permanent buoy mooring or an unattended village harbour, and does the berth on record still match reality if the boat winters in Italy?
Questions and answers
What owners ask about this area
Is a permanent place on a buoy or in an unattended village harbour provided for?
Yes, the berth is a feature of the contract, not a restriction: we enter what you actually use. For theft there is a requirement ashore that the yard be enclosed and locked; on a buoy in the water it does not apply.
Do I have to report it if the boat stays in Italy over the winter?
Yes. The home port affects the premium, and an unreported change can be treated as an increase in risk; we may then reduce the payment in proportion to the fault. A short message is enough and we amend the schedule.
The gusts from the side valleys are stronger than the base wind: what is covered?
Storm is named in every hull tariff, from force 8, that is 62 kilometres an hour. If the boat breaks loose from the buoy and drifts or runs aground, that is an accident event on top, covered from Basis-Plus. Chain and shackle themselves are wear and insured in no tariff.
Cruising range
In the calculator this area belongs to the cruising range: Gardasee & italienische Seen
And one level down: the individual marinas, anchorages and mooring fields.
