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Watercraft insurance from AXA: Get expert advice.

Watercraft insurance

AXA offers a flexible range of insurance solutions for your boat. We would be happy to advise you so that you can enjoy your time on the water care-free.

  • Premium reduction for years with no claims
  • Recovery costs of up to CHF 30,000 are also insured
  • Independent boat experts for damage assessments

Keep your boat on course

As a boat owner, you may be responsible in the event of damage on the water or onshore. You decide yourself what protection you need to feel safe on deck: Choose from AXA's liability, accidental damage, accident, and marine legal protection insurance to create your tailored insurance package.

Third-party liability insurance

Liability insurance is mandatory for the following boats:

  • Boats powered by an engine
  • Sailboats with a sail area exceeding 15 m²
  • Rental boats in general

It covers any damage you and your boat may cause to persons, property, or animals.

Partial accidental damage insurance

With partial accidental damage insurance, your boat is insured against – inter alia – the following:

  • Theft
  • Fire
  • Engine damage caused by seagrass, as well as nets, ropes, or lines
  • Glass breakage and flying objects such as fireworks on August 1
  • Malicious damage and vandalism damage up to CHF 3,000
  • Recovery and transport up to CHF 50,000 

Comprehensive insurance (collision coverage)

With comprehensive insurance, as well as the cover provided by partial accidental damage insurance, you also have collision cover:

  • Damage as a consequence of bent/broken masts and spars, rip damage to standing and running gear
  • Damage from a violent external event
  • Electrical impacts (e.g. short circuit)

Machinery insurance

You can supplement your comprehensive insurance with machinery insurance. This covers damage resulting from the consequences of external influences and internal causes such as:
  • Improper use, carelessness, negligence
  • Insufficient water, oil, fuel, or other operating agents
  • Failure of systems used for measuring, control, or safety

Accident insurance

Accident insurance protects you against the financial consequences arising as a result of 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 amount of insurance you want. You can include:

  • Medical expenses
  • Daily benefits and daily benefits during hospitalization
  • Disability and death lump sum

Marine legal protection insurance

Legal protection insurance covers the financial costs necessary to defend and enforce your legal interests, for example:

  • If you face revocation of your license
  • To enforce your rights in connection with damages and satisfaction
  • On matters relating to tax and contract law in connection with your boat

Amounts of insurance

  • Inland waterways in Europe: max. CHF 300,000
  • Sea trips: max. CHF 150,000

With no deductible for attorney fees if legal advice is provided by an attorney recommended by AXA.

Other ways you benefit

  • Rescue missions, recoveries, transportation of body in the event of death, up to CHF 100,000 per accident
  • Cleaning or replacing damaged clothing up to CHF 2,000 per person
  • Independent experts for damage assessments
  • Comprehensive insurance protection leaves you free to enjoy carefree sailing
  • Premium reduction for claim-free years