Boat, Yacht and Sailling Insurance

 

 

Wouldn't you always like to have the wind in your sails...?

When it comes to insuring your boat, it’s easy to feel a little overwhelmed by the vast variety of products and types of policies on the market nowadays; Obligatory and Voluntary Public Liability, Sea Rescue, Spanish & English Clauses, Total Loss, Breakdowns .. an endless list of covers which can seem rather confusing when looking to insure your vessel! This introduction aims to clarify some of that confusion …

When you take your boat out, you just want to enjoy the waves, the wind in your hair and the endless horizon that awaits you. It’s for this reason, and also because we never stop to think about the dangers that await us that your boat should be well-insured with cover that meets your individual needs and which guarantees your safety at sea.

Although there are many “package” type policies on the market, each boat and each client has his own particular requirements which should be studied on an individual basis: only that way can you guarantee that you have the correct cover and that you aren’t paying for something that you don’t need...

Basically, there are two types of Public Liability: obligatory public liability (only covers damage to a 3rd party up to a limit established by law, in the Royal Decree 607/1999 of 16th April); and voluntary public liability which guarantees damage to your own boat. An excess can be applied to voluntary public liability (i.e. a fixed amount which is payable by the Insured.).

In order to process any possible claim, the captain of the boat must be in possession of the corresponding qualifications needed and the boat must have passed all the inspections required by the governing bodies and have all the relevant paperwork/licenses up to date, stating the authorized sailing radius in which the boat may operate.
In principle, only boats destined for private and recreational use (motor or sail) can be insured and therefore excludes those used for other purposes (professional, such as fishing boats for sales to 3rd parties, sporting, etc..)

Normally a value is assigned to both the hull and the engine (or to the sales, declaring a value per sail). Usually these values coincide with the replacement costs new, of each item).  At the time of taking out the insurance policy it’s very important not to forget any rigging and accessories separate from the hull (unless you decide not to insure these), as the Insurance Company will not pay out for any damages to these items if they are not declared in the policy.

“Spanish Clauses” and “English Clauses"


Furthermore, there is another distinction to take into account regarding which clauses or stipulations are applied: the so-called “Spanish Clauses” and “English Clauses”. Regardless of the origin of the boat, any policies issued in Spain tend to be included in the Spanish Clauses. However, the English Clauses, except in a few circumstances, have a wider range of guarantees and were drawn up by the Institute of Yacht Clauses of London (IYC). The practical difference between the two is that the English ones allow you to state the value of the boat. In the Spanish version, it is the market value of the boat which is declared. If you can choose between the two, it is always advisable to take out insurance with the English Clauses. For example, Zurich Náutica offers the possibility to contract either the Spanish Clauses or the English Clauses (Institute of Yacht Clauses) for all boats whose insured value is more than €20,000 (euros).

Damages caused by the following are usually covered; shipwreck, jettison, running aground, collision with a fixed or floating object, storm, sinking (which is not due to bad maintenance of the boat), theft in a secure and vigil place and malicious acts by third parties. Amongst the exclusions of  cover, it is worth pointing out, amongst others, sails ripped by the wind, detachment of outboard motor, faulty maintenance of the boat, purely mechanical faults of any type, grave negligence, breakdowns produced by leaving the boat anchored in beaches or coves without assistance, etc. ..

With regards to total loss produced by an accident/breakdown covered in the policy, it is the market value which is reimbursed; deducting the value of any items salvaged which will remain with the Insured. If such an incidence occurred abroad, the Insured can get in touch with one of the Loss Adjusting bodies (called Comisarios de Averías – they are the adjusters in the Transport & Boat Branch) who will undertake the valuing of the loss and forward this information to your Insurance Company.

Covers:

Occupants' accidents (including captain)
- Death
- Permanent invalidity
- Health Assistance Expenses

Total write-off
- Fire
- Explosion
- Lightning strike
- Shipwreck
- Bump or collision
- Boarding
- Running aground
- Salvage
- Theft of boat
- Damage from theft
- Towing remains
- Private breakdowns
- Fire
- Explosion
- Lightning strike
- Shipwreck
- Bump or collision
- Contact with dikes
- Running aground
- Salvage
- Vandal acts
- Towing remains
- Assistance at sea
- Personal effects on the boat
- extension of guarantees

Nautical Clubs in the Canaries

REAL CLUB NÁUTICO DE GRAN CANARIA

C/ León y Castillo 308 35006 Las Palmas de Gran Canaria

Tlf: 928 243581 / 928 234566 e-mail: rcngc@rcngc.com web: www.rcngc.com

CLUB NÁUTICO VARADERO

C/ Joaquín Blanco Torrent s/n 35004 Las Palmas de Gran Canaria

Tlf: 928 24 99 19- 920/ 928 244408 e-mail: cmaritimo@terra.es

REAL CLUB VICTORIA LAS PALMAS

Paseo de las Canteras 4 35008 Las Palmas de Gran Canaria

Tlf: 928 46 06 30/ 928 46 64 98 email: escuelarcv@hotmail.com

CLUB NÁUTICO ANFI DEL MAR

Barranco la Verga s/n 27º 47´ N 35120 Mogán 15 º46´ W Tlf: 639 02 12 02 web: www.anfi.com

CLUB NÁUTICO TALIARTE

Muelle de Taliarte 27º59´ N 35214 Telde 15 º22´ W Tlf/Fax: 928 130089 Movil:609 867716

CLUB DE REGATAS SUROESTE MOGÁN

C/ Olimpicos Doreste y Molina s/n 35130 Puerto Rico - Gran Canaria Fax: 928 755121 Movil:609 450688

CLUB DE REGATAS CUATRO PUERTOS

Urb. Nueva Isleta 5 35009 Las Palmas de Gran Canaria Fax: 928 437855

REAL CLUB NÁUTICO DE TENERIFE

Avda. Francisco La Roche s/n.38001 S/C de Tenerife 15º 14´31 W Tlf: 922 27 37 00 Fax: 922 27 31 17 e-mail: rcnt@arrakis.es web: www.rcnt.es

CLUB NÁUTICO DE GÜÍMAR

Las Bajas s/n. Apartado Correos 19 Puertito de Güímar 38508 S/C de Tenerife Tlf: 922 52 89 00 Fax: 922 528720

CLUB DE MAR RADAZUL

Urbanización Radazul 38109 El Rosario - S/C Tenerife Tlf: 922 681099/ 922 681272 Fax: 922 682244 email: nautica@clubmradazul.com
web: www. clubmradazul.com

C. DEPORTIVO NAUTICO LA BAJITA

Pabellón Municipal Miguel Díaz Molina Avda. Melchor Luz - 38400 Puerto de la Cruz Horarios: Martes y Jueves 18:00 a 20:30 hr.Tlf: 922 380513 / 607 594098 web: www.labajita.es

CLUB DE VELA EOLO

Crta. Gral. San Andrés s/n Antiguas naves Carboneras, Valleseco 38150 S/C Tenerife Tlf / Fax: 922 597891 / 607 594098 16 email: eolocv@gmail.com web: www.clubdevelaeolo.com

CLUB DE VELA NAVEGANTES DE ARONA

C/ Hierro nº 9, Los Cristianos. 38612 Arona, S/C Tenerife Móvil: 610 801200 Fax: 922 750943 email: manuelinfante2004@hotmail.com

MARE CLUB DEPORTIVO DE VELA

José de Zárate y Penichet 11, 10-A 38001 , S/C Tenerife Móvil: 639 213057 email: armadores@mare-clubdevela.org web: www.mare-clubdevela.org

CASINO CLUB NÁUTICO DE ARRECIFE

Avda. Rafael González Negrín, 1 35500 Arrecife de Lanzarote Tlf: 928 814961 / 928 811850 Fax: 928 815456 e-mail: info@casinoclubnauticoarrecife.com web: www.casinoclubnauticoarrecife.com

CLUB DE MAR - PUERTO CALERO

Edif. Antiguo Varadero,2ª Planta Urb.Puerto Calero 35570 Yaiza Lanzarote Tlf: 928 510850 Fax: 928 511462 e-mail: cristina@puertocalero.com web: www.puertocalero.com

CLUB NÁUTICO CASTILLO DEL AGUILA MARINA RUBICÓN

Urb. Castillo del Aguila s/n, Puerto Deportívo Rubicón 35570 Playa Blanca, Lanzarote Tlf: 928 519012 Fax: 928 519035 e-mail: info@marinarubicon.com web: www.marinarubicon.com

CLUB ESQUÍ NÁUTICO FARIONES

C/ Huertas Viejas nº 1 35572 Tías- LanzaroteTlf: 928 833257

CLUB DE REGATAS FUERTEVENTURA ISLA DEL VIENTO

Avda. Constitución nº 4 35600 Puerto del Rosario Tlf: 928 852013 email: deportes@cabildofuer.es

CLUB DEPORTIVO NÁUTICO FUERTEVENTURA

Vela latina 10 35600 Puerto del Rosario Móvil: 616 423680 Fax : 928 866524 email: puertodecorralejo@telefonica.net

CLUB DEPORTIVO DE VELA PUJAMEN

C/ Bocinegro 15 35600 La Oliva, Fuerteventura Móvil: 646599174 Fax: 928 868862 email: velapujamen@hotmail.com

REAL CLUB NÁUTICO DE LA PALMA

Avda.Los Indianos s/n 38700 S/C de la Palma Tlf: 922 41 19 35 Fax: 922 41 13 46 e-mail: vela@rcnlapalma.com web: www.rcnlapalma.com

CLUB DE VELA ALMIRANTE DÍAZ PIMIENTA

Puerto Pesquero, Santa Cruz de la Palma Tlf: 922 416495 / 609 621 346 e-mail: clubmaritimo@clubmaritimo.org web: www.clubmaritimo.org

CLUB NÁUTICO SAN BORONDÓN

PUERTO DE TAZACORTE,S/N Cp: 38770- Villa y Puerto de Tazacorte APARTADO DE CORREOS Nº59 Tlf/fax:922.480.402 Móvil: 646 159 109 e-mail: info@cnsanborondon.com web: www.cnsanborondon.com

CENTRO INSULAR DE DEPORTES NÁUTICOS LA PALMA

C/ San Sebastián nº 17, 2º Cp: 38700- S/C de la Palma Fax:922 418 902 Móvil: 619 141 604 e-mail:cidlapalma@hotmail.com

CLUB NÁUTICO DE SAN SEBASTIAN DE LA GOMERA

C/ Playa de la cueva s/b 38800 San Sebastián de la Gomera Tlf: 922 871053 Fax: 922 871053 e-mail: clubnauticogomera@hotmail.com

CLUB DE VELA JUNONIA LA GOMERA

C/ San Cristobal 16 38800 San Sebastián de la Gomera Móvil: 629 593976