Boat insurance for motorsailersBest cover for motorsailer and its accessories
Boat insurance throughout the year
Boat insurance protects your motorsailer not only afloat but also during transportation and storage.
Storm damage without wind velocity limit
We compensate for storm damage to the insured boat regardless of wind velocity.
As an owner-customer, you will get a discount on your policies and also receive OP bonuses.
If you ask a 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 your boating whenever the weather conditions allow.
A motorsailer is a motor boat particularly suited to cruising, with sailing boat rigging and sails. You can take out boat insurance for a motorsailer that is registered in Finland and has an motor that is bigger than 20 horsepower.
Boat insurance for your motorsailer 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 boat use.
What does boat insurance cover?
You can avoid many risks by anticipating them and by being careful, but despite all precautions, accidents do happen both aboard and ashore. The boat’s comprehensive motor vehicle insurance covers if, for example, your motorsailer is stolen or damaged when running aground, in a fire or during transportation.
Medium Motor Insurance for a boat excludes boat losses, such as collisions or running aground, from compensation, but does compensate theft and fire losses, however. Our boat insurance policies always include liability and legal expenses insurance.
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 boat
No matter how careful you are, accidents can happen aboard. Saving a boat that is out of order usually costs if lives are not in danger. The cost price is charged for towing a boat that is not in an emergency; this can run for 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 boat will be saved free of charge. If your journey is interrupted, you will be towed to the nearest port and assisted in finding a repairer. By subscribing to the Trossi service you also support voluntary rescue services at sea and on lakes.
Our boat insurance is valid automatically without any extension
- in the territorial waters and inland waterways of Finland, Sweden and Denmark and the territorial waters of Norway on the coastal areas of the country
- in the Baltic Sea and its bays, on Saimaa and Kiel Canals and Kattegat and Skagerrak
- when storing and transporting the boat/yacht in these countries.
Boat insurance and the territorial scope of the boat’s general liability insurance can be extended against an extra premium to other parts of Europe and also outside Europe.
If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.
- A 40% increase in the sum insured under life insurance
- 200-euro benefit of the deductible under MyHome Insurance
- one-year, free-of-charge life insurance for parents with a child under one year of age
Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for
- savings and investments
- funds in accounts
- purchases you have paid with OP-Visa credit.
OP bonuses are used for the bank’s service charges and insurance premiums.
The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.