You have fulfilled your dream of owning your own boat, but are you still looking for the right insurance? AXA is your reliable guide: we offer you the best insurance cover with solutions flexibly customized to your needs.
Choose liability insurance and accidental damage insurance (without collision or all-risk) and also take out machinery insurance as protection against damage to the engine or electrics and assistance insurance to cover towing costs if you break down. Use our overview to quickly and easily find the right watercraft insurance for you.
Still not sure what type of insurance is right for your motorboat, sailboat or yacht? Then take a detailed look at the boat insurance options and find the best insurance cover for you.
Liability insurance is mandatory for the following boats:
It covers damage you may cause with your boat to another person, such as a water skier, wakeboarder, or another boat. It pays for damage to property and accidents involving animals.
With AXA all-risk, you’re covered against anything that isn’t explicitly excluded. For example, you’re also insured if, in the rush ahead of a gathering storm, you forget to heave up the anchor and its steel chain becomes snagged as a result . Or if your binoculars accidentally fall onto your beloved wooden table and leave a deep groove in the wood. You don’t have to worry with AXA all-risk, as you benefit from all-round protection against the following financial risks:
With partial accidental damage insurance, your boat is insured for the following types of loss or damage, among others:
Regardless of whether you break down in the water, whether you accidentally engage reverse gear while at full speed or whether you have an accident while using your boat - with AXA, you can also be optimally insured against such risks.
Broken down on the lake? No problem with our supplementary assistance module. If your boat has broken down and is unable to return to harbor or a repair boatyard unaided, AXA covers the cost of recovery by the water police, rescue service or boatyard.
You can supplement your all risks cover by adding machinery insurance. This module covers loss or damage due to external effects and internal causes such as:
Accident insurance protects you against the financial consequences arising from accidents relating to the use of your boat as well as due to sunstroke, heatstroke, hypothermia, freezing, drowning, etc. You are free to choose the sum insured. The insurance can include:
Legal protection insurance covers the financial costs necessary to defend and enforce your legal interests, for example:
The sum insured is limited to CHF 300,000 in European inland waters. You are insured for a maximum of CHF 150,000 on sea voyages.
You pay no deductible for lawyer fees if legal advice is provided by a lawyer recommended by AXA.
Sabrina likes action and sails close to the wind. When the boat lists heavily, the binoculars fall from the side shelf onto the precious wooden table and leave a deep groove in the wood.
Peter’s boat is anchored in a bay when a storm is suddenly forecast. The boat begins to rock due to the increasing wind and strong swell. He hurries so that he can try and reach the next harbor as quickly as possible. When heaving up the anchor, the bow is damaged by the swaying anchor before it can be securely stowed.
Beni bought himself a motorboat a year ago. When sailing on Lake Zurich, he collides with a tree trunk that’s drifting just below the surface of the water. The collision rips a large hole in the boat’s hull and the boat sinks within minutes. Beni is lucky as he’s rescued from the water by a passing fisherman. After the boat has been recovered, it is deemed to be a write-off.
You must always have liability insurance for the following boats:
All-risk means that all risks are insured unless they are explicitly excluded. With traditional insurance options, the scope of insurance is defined in a list of risks; exclusions can also be listed. This can sometimes lead to uncertainty for the policyholder about what is actually insured and what is not. With all-risk however, you always know what is insured – precisely anything that isn’t excluded.
High seas Zone B: Provided that the construction and equipment of the boat as well as the operator’s license meet the requirements of the Swiss Maritime Authority, the insurance is valid – in addition to its validity on the inland waters of Western Europe – on the high seas of Western Europe, i.e.
High seas Zone C: Provided that the construction and equipment of the boat as well as the operator’s license meet the requirements of the Swiss Maritime Authority, the insurance is valid worldwide.