Boat insurance for a sailing boat
Best cover for your sailing boat and accessoriesCover for the boat year round
Boat insurance covers losses to your sailing boat afloat and during transportation and storage.
Storm damage without wind velocity limit
We compensate for storm damage to the insured boat regardless of wind velocity.
New policies have an initial bonus of 40%
You get a 40% initial bonus when purchasing boat damage cover as part of comprehensive motor vehicle in-surance with no-claims bonus.
Owner-customer benefits
As an owner-customer, you will get a discount on your policies and also receive OP bonuses.
Anchors aweigh, freedom awaits
If you ask a sailing boat owner, the best thing about spring and summer is that you can get out on your boat. Your boat insurance is valid throughout the year, so you can enjoy sailing whenever the weather conditions allow.
It is easy to enjoy a sense of leisure and freedom when you boat insurance is up to date. So please remember to tell us if you get any new equipment for your boat. The boat’s sum insured must always cover both the boat and its accessories.
Boat insurance for your sailing boat covers, for example, the
- hull, rigging and sails
- dinghy (up to 3.5 m)
- laying-up blocks and covers
- motor, navigation equipment and other machines related to use.
What does the boat insurance for a sailing boat cover?
A sailing boat’s comprehensive motor vehicle insurance covers if, for example, your sailing boat is stolen, burns down or is damaged as a result of running aground or colliding, a fire or during transportation. Medium Motor Insurance for a sailing boat covers theft and fire losses, but excludes boat losses, such as collisions or running aground, from compensation.
A boat insurance for a sailing boat is also valid in sailing competitions and always includes the boat’s liability and legal expenses insurance policies. General liability insurance provides compensation if you cause a loss with your boat to another boat or boater to others for which you are liable by law. If necessary, you can increase the general liability insurance compensation amounts for free for sailing competitions.
The commonest loss is running aground, but losses can occur also when the boat is not being used.
Trossi service ensures free assistance for your sailing boat
No matter how careful you are, accidents can happen aboard. If lives are not in danger, saving a sailing boat that is disabled is usually subject to a charge. A cost price is charged for towing a sailing boat that is not in an emergency, and it can run to up to hundreds of euros, depending on the size of the rescue boat and the duration of the operation.
If you subscribe to the Trossi service of the Finnish Lifeboat Institution, your sailing boat will be saved free of charge. If your journey is interrupted, you will be towed to the nearest port and receive assistance in finding a repairer. When you subscribe to the service, you will also support voluntary rescue services at sea and on lakes.
The insurance is issued by Pohjola Insurance Ltd.
