Ensure your semi-rigid boat: full guide
Navigating crystalline waters with your semi-rigid boat offers an unrivaled experience, but this adventure requires more than simple navigation skills. The tranquility you are looking for also requires adequate protection!
This is where boat insurance comes into play. In this article, Orca Retail invites you to answer your questions concerning the world of insurance for semi-rigid boats, by exploring obligations, costs, guys available insurance, and more!
Is boat insurance mandatory for semi-rigid boats?
For individuals
Sailboat, motor boat or semi-rigid boat, You have no obligation to ensure your pleasure boat. It is still preferable to take out insurance for your semi-rigid in particular to be sure to benefit from financial care in the event of an accident. Failure, shipwreck, hits with a rock, storm, sea navigation is not without risk when you go out for a walk with your semi-rigid boat.
For professionals
If you use your boat on a professional basis, You must subscribe to boat insurance, unlike boaters. You must at least be covered under the Professional civil liability guarantee. You are supported for all bodily and material damage caused to a third party.
The same goes if you practice sports navigation. For competitions, you must be covered for civil liability. In the event of damage to an opponent's boat, for example, your insurance supports repairs. Moving a semi-rigid in a port also requires a certificate of civil liability insurance.
What are the costs of insurance for semi-rigid boat?
As a rule, the cost of an insurance subscription is generally estimated around 1% of the value of the boat.
On average, the price of insurance for a semi-rigid is Around € 100 per year with the minimum of guarantees. For all -risk insurance, prices go up to € 400/year.
However, several factors can influence the price of your contract. Indeed, the amount of the insurance premium depends on specific criteria, in particular:
- The age of your boat
- Its market value
- Its dimensions
- The number of guarantees selected
- Engine power
- Your maritime accident history
What types of boat insurance are possible?
If you wish to ensure your semi -rigid boat for your outings at sea and river, there are three types of coverage: third -party insurance, multi -risk insurance, temporary insurance.
- Civil liability insurance You cover for damage (materials or body) caused to a third party.
- All risks pleasure boats cover the total loss of the semi-rigid, the material damage to it, but also the body accidents on board in addition to the damage caused to a third party.
- Temporary insurance Guarantees a boat over a short period, for example if you rent a zodiac during the day.
What is the best insurance for semi-rigid?
Difficult to determine the best boat insurance for your tire. The guarantees depend on your needs (boat rentals, sports practice, etc.). Do you prefer minimum guarantees? Good coverage for your sea trips? A cover for your passengers? For some, the best insurance is the cheapest. For others, it will be the one offering the best coverage in the event of a disaster.
Insurance comparison for semi-rigid boat:
- MAAF: Civil liability, individual marine, assistance to people, boat assistance, legal assistance.
- Allianz: Civil liability, damage and land losses for the boat, total or partial flight (including accessories), damage and theft of the trailer, assistance and rescue costs, individual marine in the event of death, temporary incapacity or permanent pilot and passengers.
- Groupama: Civil liability, defense and appeal, assistance for boats and people on board.
- Maif: Compensation following a climate event if your boat is under 5 years old and your engine under 3 years old, damage to the boat and its equipment following a climate event, loan of your boat, assistance for your boat And your passengers, legal information on the Internet, defense.
- MMA: Civil liability, crew protection, criminal legal defense and appeals, sea research costs, individual marine (medical costs, permanent disability, death), withdrawal fees.
- Macif: Civil liability, defense and criminal appeal, legal protection, general assistance, assistance at quay.
What guarantees for a semi-rigid boat?
Like any boat, guarantees for semi-rigid boat insurance are varied. Here is a non -exhaustive list of the guarantees offered by insurers as part of a multi -risk contract.
The guarantees covering the boat
- Ship body insurance for repairs to damage suffered during navigation.
- Total or partial flight guarantee.
- The losses and damage guarantee.
- The hidden defect warranty if the boat has anomalies.
- The management of assistance and towing costs at sea.
- Corporation of the cost of bailing or removal of wreckage.
Guarantees covering the equipment
- The engine flight guarantee.
- The flight guarantee of personal property of passengers.
- The flight guarantee or damage to navigation and safety equipment.
Guarantees for on -board people
- The management of medical costs due to an accident.
- The repatriation guarantee for people injured.
- Sea search and rescue costs.
- The payment of capital in the event of death, disability or total or partial inability.
Additional guarantees
- Legal protection for criminal defense and appeals following a disaster.
FAQ on semi-rigid boats insurance
Do you need a boat license for a semi-rigid?
Driving a boat with An engine with a power greater than 4.5 kW requires a boat license. For more information on the subject, please refer to our article: "What boat license go for semi-rigid?".
What insurance for a semi-rigid boat rental?
If you rent a pneumatic boat, you have several possibilities to ensure it, you can subscribe to the insurance proposed by the rental company or an insurance contract temporary.
How to ensure your boat online?
More and more insurance companies offer the subscription of online boat insurance. To do this, you will have to complete the administrative information and answer a few questions about the boat to be insured. You will also need the traffic map of your pneumatic boat or the deed of francization, L'Signed sale deed, your boat license, as well as a RIB for contributions.
What to do in the event of a claim with my semi-rigid boat?
In the event of a claim, it is essential to act quickly to guarantee optimal management by your semi-rigid boat insurance. Here are the steps to follow:
- Contact your insurance: Immediately inform your insurance company of the claim and help it assess responsibilities if a third party is involved.
- Make a detailed statement: During your declaration, make sure to include the following information: place of the claim, date of the incident, type of claim (accident, theft, vandalism, climatic damage, etc.), and a detailed description of the damage observed.
- Join the necessary supporting documents: Such as purchase and repair invoices, photos of damage, a medical certificate in the event of injury, etc.
In the event of a flight, also file a complaint with the competent authorities and provide the complaint to your insurer.
Conclusion
Ensuring your semi-rigid boat is not only a formality, but a crucial warranty for sailing serenely. Whether you are a passionate bucket or a sea professional, understanding the nuances of boat insurance is essential to protect your investment and ensure your safety as well as that of your passengers. An undersigned navigation begins with a judicious provident!
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