With our flexible watercraft insurance you determine the direction you take. Put together your boat insurance according to your own wishes and get insurance coverage tailored to your needs with regard to safety, affordability and transparency.
Compare for yourself and choose the version of our watercraft insurance that best suits you.
Mandatory liability insurance (for machine-driven ships and sailing boats with a sail area of more than 15 m2) covers the insured person against property damage or bodily injury to third parties caused by the insured watercraft. Since the Helvetia liability boat insurance does not apply a bonus/surcharge system, you need not worry about premium increases in case of a claim.
Your boat is insured against damage caused by external factors such as theft, fire, natural forces (storm, hail, flooding), glass breakage and wilful damage.
In addition to partially comprehensive cover, comprehensive cover insures you in the event of collision damage to the vehicle for which you are to blame. Since the Helvetia fully comprehensive boat insurance does not apply a bonus/surcharge system, you need not worry about premium increases in case of a claim. Personal effects and loose accessories are included at no extra cost up to a value of CHF 2,000.
The accident insurance for passengers covers bodily injury to the driver and passengers within the scope of the agreed benefits. Dogs and cats transported in the boat are also insured in the event of an accident.
You have the option of insuring yourself against claims filed by water-skiers you have been towing.
You can insure personal items including sports and fishing equipment up to a value of CHF 5,000. In the comprehensive insurance, CHF 2,000 is already covered by the basic coverage.
A severe storm damages Mr Summer’s motorboat. Although it was expertly moored, the boat was pushed against the harbour wall by the strong waves and sustained some damage. Natural forces like storms (winds of at least 75 km/h) are covered by the watercraft partially comprehensive cover insurance. For Mr Summer the storm damage therefore has no financial repercussions, as Helvetia pays for the repairs to the boat.