Boat insurance

Liability insurance protects you financially if your boat causes damage to other people or their boats. The statutory liability insurance applies both during and outside the sailing period: During the sailing period, the insurance covers your liability for damages that occur when using the boat - both while sailing and while the boat is on land. Outside the sailing period, the insurance only covers damage that occurs while the boat is on land.

Comprehensive insurance protects your boat, its equipment and personal belongings against a wide range of damages. With this cover, you are protected against, among other things:

• Fire
• Lightning strike
• Explosion
• Electrical damage
• Theft or burglary
• Vandalism
• Storm damage

Sailing damage: For example, if the boat sinks, capsizes, runs aground, beaches or collides.Sudden damage: Damage that happens unexpectedly and immediately, not damage that develops over time.‍Legal assistance included in the comprehensive cover

‍The comprehensive cover also includes legal expenses cover. It covers legal costs in certain private legal disputes involving you as the owner or user of the insured vessel. The cover applies up to DKK 125,000 (incl. VAT) per insured event.

Click here to see existing conditions for legal expenses cover here.

Coverage of personal effectsPersonal effects are included in the comprehensive cover and include items belonging to the policyholder or the persons on board. These can be items that are taken home outside the sailing period, such as:

• Clothing and sailing clothes
• Wetsuits, sea boots and shoes
• Fishing tackle and binoculars
• Tools and equipment
• Portable electronic equipment

Yes, boat insurance covers damage that occurs during winter storage, provided the boat is properly stored and secured against weather damage. The comprehensive cover also applies outside the sailing period, but only for damage that occurs while the boat is on land.

Legal expenses cover helps cover legal costs if you, as a boat owner, become involved in a private legal dispute related to the use or ownership of the boat. The insurance covers up to DKK 125,000 (incl. VAT) per insurance event, and the 10% excess can be covered if you are granted legal aid.

Yes, but only within the designated geographical area.

The insurance covers sailing and docking in Danish, Swedish, Norwegian, Finnish, German, and Polish waters, but not west of the line at 7 degrees east longitude, the line at 61 degrees north latitude, or the inner German waterways south of the line at 52 degrees north latitude, as well as in the Baltic Sea. Sailing to Russia, Estonia, Latvia, and Lithuania is not covered by the insurance.

If the Danish Maritime Authority has assigned the vessel a specific sailing area, coverage is conditional on not exceeding this area.

A wide range of boats, including sailboats and motorboats. For specific information about your boat type, it is recommended to contact Fælles Forsikring directly.

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The deductible depends on the chosen insurance cover. For legal expenses cover, the deductible is typically 10% of the total legal costs, but at least DKK 2,500. Contact Fælles Forsikring for precise information about the deductible for your insurance.

The price of boat insurance depends on several factors, such as the type of boat, value, engine size and use. You can get an accurate price by contacting Fælles Forsikring with information about your boat.

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