Do you have a motorboat?

Motorboat insurance

Are you looking for the best insurance solution?

Then you've come to the right place at HKVA - Hanseatische Kasko Versicherungsagentur. Motorboat insurance is a “must have” for anyone who wants to protect themselves against financial risks. We, at HKVA, offer you comprehensive coverage in various areas:

Get the proper coverage in case of damage and enjoy the benefits of our services. We will answer your questions and be happy to advise you.

Motorboat liability insurance

Motorboat Liability insurance is one of the most important insurances for recreational boat users. It provides you with basic coverage against financial risks arising from damage caused to third parties at your own fault while operating your boat. It also offers extremely valuable support in defending against unjustified claims made against you or your crew. We offer a coverage amount for personal injury, property damage, and financial loss of up to €15 million. Insurance coverage is worldwide.

Advantages of our motorboat liability insurance

Fixed coverage amounts up to 15M EUR for personal injury, property damage, and financial loss
Worldwide insurance coverage
Dinghy included free of charge
24-hour claims hotline
Bad debt coverage kicks in if your own boat is damaged by a third party who is unable to pay (in accordance with Section 6 of the special conditions).
Skipperhaftpflichtversicherung:
- Skipper Liability insurance:
  - For chartered Houseboats: The policy also covers the statutory liability of the policyholder and his/her spouse arising from the private use of a chartered houseboat with up to 500 HP, provided that the total duration of the charter does not exceed 6 weeks per insurance year. Damage to the rented watercraft itself is excluded. No insurance cover exists if insurer is primarily liable to indemnify the policyholder and his/her spouse, e.g. the liability insurer of the chartered houseboat.
Trailer Liability insurance
etc.

Typical claim examples include:

A collision with a jetty during a mooring maneuver
An accident involving your houseboat with a diver or a swimmer
A fire originating from your houseboat and igniting other objects
etc.

Motorboat Hull Insurance

Do I also need Motorboat Hull Insurance?

Yes, to cover damage to your own motorboat. The Hull insurance protects you and your sailboat against damage caused by your own fault and/or the fault of others. We offer you all-risk coverage. This means that everything is insured unless it is specifically excluded in our terms and conditions. On top of that, we cover other costs, like wreck removal, salvage, and towing.

Fixed value

The fixed value is the current value of the items to be insured at the time of contract conclusion. For new boats, this corresponds to the purchase value. The amount of the sum insured is considered an “uncontestable value”. The objection of underinsurance is therefore excluded.

Advantages of our hull insurance

Uncontestable fixed value
No “new for old” deduction
Trailer can be included in the insurance
Customized sailing areas
No deductible for many types of damage
Salvage/wreck removal/disposal/towing costs are covered up to EUR 5.000.000,00
24-hour claims hotline
Search/rescue/recovery operations in the event of an accident involving a crew member up to EUR 20,000
Personal effects up to EUR 5,000 free of charge
etc.

Our insurance coverage protects the costs of your motorboat against the following events, for example:

Fire, lightning strike, explosions
Storm damage, force majeure
Theft, burglary
Accidents, collisions
Damage to the trailer
Vandalism
Osmosis damage (within the first 24 months)
etc.

Individual coverage areas

We offer different sailing areas, within which we provide you with insurance cover.

Find our map with the different sailing areas here (Map)

On all standing European waters
On all inland waters in Europe; excluding the waters of Russia, Belarus, Ukraine, Moldova, and Georgia
North and Baltic Sea: On the Baltic Sea without restriction—excluding the waters of Russia, Belarus, Ukraine, Moldova, and Georgia; On the North Sea, with the border from the northern Scottish town of Thurso along the Orkney and Shetland Islands on the western side (three-mile zone) and continuing in a straight line to the entrance of Trondheim Fjord, whereby trips in Trondheim Fjord are also insured; the boundary in the southern part, at the mouth of the English Channel, is formed by a straight line from Land's End in southern England to the French island of Ouessant and on to Brest
Mediterranean + Atlantic coast
A worldwide sailing area can also be agreed with us

Newbuild discount for hull insurance

Have you purchased a brand-new sailboat and are still looking for the right boat insurance? Then you've come to the right place! We are happy to offer you the newbuild discount, which reduces the hull premium in the first year by an additional 50% for a minimum term of two years.

Accident insurance

Insurance that protects everyone!

When sailing across the sea, accidents can happen at any time, whether at your own fault or that of others. This can have serious consequences for boat owners. In such cases, Passenger accident insurance can help. It protects boat owners and their passengers from financial ruin and protects all eligible passengers on board.

Legal expenses insurance

Is legal protection necessary for pleasure boating?

Legal disputes are a nightmare for every boat owner. They are not only expensive, but also time-consuming and nerve-wracking. With Legal protection insurance, we and our lawyers are there to support you in such cases.