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Key points at a glance
- Protection for all boat types: Boat insurance offers coverage for motor boats, sail boats, or yachts.
- As much protection as you need: Depending on your needs, you can choose between all-risk or accidental damage coverage without collision.
- Additional coverage: With the supplementary insurance for roadside assistance, machinery, accident, and boat legal protection insurance, you are equipped against all eventualities.
Your boat insurance with AXA
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.
Examples of boat damage
Binoculars leave marks
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.
- Cost breakdown with all-risk
- Repair costs to table CHF 1,600
- Sabrina’s deductible CHF 500
- AXA benefits CHF 1,100
Damage when heaving up the anchor
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.
- Cost breakdown with all-risk
- Repair costs to the bow CHF 4,800
- Peter's deductible CHF 500
- AXA benefits CHF 4,300
Collision with a tree trunk
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.
- Cost breakdown with all-risk
- Recovery and transport to the nearest boatyard (with insured accidental damage event up to 100,000). CHF 48,500
- Total cost of damage (purchase price) CHF 40,000
- Collision – deductible CHF 1,000
- AXA benefits CHF 87,500
Frequently asked questions about boat insurance
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When do I need liability insurance for my boat?
You must always have liability insurance for the following boats:
- Boats powered by an engine
- Sailboats with a sail area exceeding 15 m²
- Rental boats in general
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What does all-risk mean and what is the benefit of all-risk insurance?
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.
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Where is boat insurance or watercraft insurance valid?
Boat insurance is essentially valid as follows:
- European inland waters including rivers, canals and their connecting harbors
- On land in Europe (exception: : Russian Federation, Estonia, Latvia, Lithuania, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan, and Kazakhstan)
- European coastal waters (in sight of coast and within six nautical miles of the coast)
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.
- in the waters of the Baltic Sea;
- in the Kattegat;
- in the Skagerrak;
- in the North Sea;
- in the English Channel;
- in the Irish Sea;
- in the waters connecting to the Atlantic Ocean within 60° north, including Bergen, 20° west, and 25° north;
- in the Mediterranean Sea including the straits and connecting inland seas.
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.
