Other watercraftBoat insurance for water scooter, hydrocopter and other watercraft
Year-round insurance for your watercraft
Boat insurance gives coverage to your water scooter, hovercraft or other special craft both afloat and during transportation and storage.
Cover for boat under construction
Boat insurance also covers a boat still under construction against vandalism, fire, transport damage etc.
Storm damage without wind velocity limit
We compensate for storm damage to the insured boat regardless of wind velocity.
Suitable comprehensive insurance for your watercraft
Pohjola Insurance's Boat insurance covers not only boats but also other watercraft. You can take out insurance for a boat under construction, for a boat previously in professional use but since converted into pleasure boating, and for a wooden boat that is over 25 years old. You can also insure a special boat or other watercraft, such as a water scooter, hydrocopter, hovercraft and multihull boat. You cannot, however, insure a floating sauna, houseboat or a hydrofoil, for example.
Insuring a special boat requires that you are a private customer with insurance policies from three product groups. Corporate customers can insure their special boats provided they use Pohjola Insurance as their primary insurer.
You can select either Medium Motor Insurance or comprehensive motor vehicle insurance for your watercraft. Both provide coverage against theft, vandalism, fire damage, and laying-up and transport damage. General liability and legal expenses insurance policies are also included. Comprehensive motor vehicle insurance gives better coverage of the two, also compensating running aground, collision or damage caused by storm winds. So if you want to get the best coverage, you should choose comprehensive motor vehicle insurance.
Seasonal rating brings flexibility in boating
A bonus is a discount of a certain percentage on the following year’s premiums for a no-claims insurance period. A full year of boating without a claim earns you a higher bonus for your comprehensive motor vehicle insurance for the following year. Following your first year of no claims, your bonus goes up to 10%, and may gradually go up to 60%.
Please note that bonuses go up only if your insurance has been granted with bonus entitlement. This can be achieved by selecting 150, 250 or 335 euros as the deductible.
The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.