Water sports liability insurance
The water sports liability insurance or boat insurance is a liability insurance that covers personal, property and financial damage in water sports , which arise from the use of water sports equipment (for example boats or yachts ).
Damage caused to a third party in connection with the possession or use of one's own water sports equipment is not covered by regular private liability insurance, as this excludes damage in connection with (motorized) water sports equipment. Private liability insurance usually only covers damage caused by paddle boats, row boats and pedal boats.
The insurance cover not only applies to the owner, but also extends to those who are authorized or responsible for operating the device.
A flat rate of at least 5 million euros should be agreed as the sum insured. In the case of expensive boats, hull insurance can also be useful. The hull covers damage to your own boat, for example after a mast break or if it has capsized.
In Germany, liability insurance for the boat or yacht is not mandatory. In countries such as Italy , Switzerland or Spain, however, water sports liability insurance is one of the compulsory insurances with different minimum amounts of cover for the insured water sports equipment. If water sports equipment is used in these countries, proof of insurance must sometimes be carried on board. Around 50,000 water sports accidents occur every year in the EU.
Web links
- 2008 annual statistics on accidents and serious incidents at sea from the Federal Bureau of Maritime Casualty Investigation
- Statistics of injuries in the EU between 2005 and 2007 of the European Association for Injury Prevention and Safety Promotion (EuroSafe) (PDF; 1.8 MB)
- Country-specific information from the German Motor Yacht Association
Individual evidence
- ↑ Safety on the Water - A Guide for Water Sports enthusiasts . Retrieved April 1, 2018 . Information from the Federal Ministry for Transport, Building and Urban Development
- ↑ Insurance for water sports enthusiasts: Well protected on the water , test.de from June 30, 2014, accessed on October 10, 2014
- ↑ Boat insurance: cheap comprehensive and liability insurance , test.de from March 19, 2013, accessed on October 10, 2014
- ↑ Water sports liability insurance contribution from FinanceScout24
- ↑ The most beautiful season has its pitfalls! European Commission on: Safety in Summer