Our Sealogy TOP Cover is an All Risk Cover. It offers comprehensive protection by covering a wide range of potential risks - except those explicitly excluded in the policy and/or Terms & Conditions. Unlike our BASIC Cover, which only covers specific risks listed in the policy, our TOP Cover offers much broader protection.
Seeking insurance coverage based on our TOP Cover is the best way to achieve maximum Peace of Mind on your maritime adventures.
| Liability of the skipper and other persons authorized to operate the vessel | |
| Free of charge: Liability of operation of tenders with a drive power of up to: 60hp | |
| Liability of operation of tenders | |
| Liability arising from the towing of water skiers and paragliders | |
| Liability of the water skiers as long as they are being pulled by the vessel (subsidiary cover) | |
| Liability for damage occurring during participation in sailing regattas or during the associated transfer trips | |
| Liability of the insured persons if they are called upon by a boat in distress to render assistance, and damage is caused to the ship in distress as a result of this assistance measure – e.g., a line connection | |
| Liability for financial loss arising from insured events which occurred during the validity of the insurance policy | |
| Liability for direct or indirect consequences of changes in a body of water's physical, chemical, or biological quality, including groundwater (Water Pollution) | |
| Liability of the policyholder and the co-insured persons arising from the driving or operation of third-party watercraft and/or their equipment, inventory, and accessories (subsidiary cover) | |
| Liability claims of co-insured persons against each other for personal injuries that are not occupational accidents in the policyholder's business as well as property damage | |
| Liability arising from damage to rented storage rooms and jetties (up to EUR 200,000) rented for private purposes for the accommodation or storage of the boat | |
| Comprehensive All-Risk Cover – what is not excluded is insured | |
| Insurance cover extends to the yacht, including machinery, equipment, inventory, dinghies, accessories, and personal effects | |
| Including insurance cover for a named trailer in the event of Fire, Explosion, Theft, and total loss as a result of an Accident or Force Majeure | |
| In the event of a total loss: agreed sum insured minus residual value | |
| In the event of partial damage: "new for old" (without deductions) | |
| Non-named personal effects, equipment and accessories up to 2% of the sum insured up to 500 Euro per item | |
| Insurance cover on water and land, including landing and launching | |
| Insurance cover for land transport and the trailered boat by ferry | |
| Expenses for salvage, salvage attempts, and, if necessary, disposal are covered up to 2.000.000 Euro (in addition to the sum insured) | |
| Expenses of the policyholder to avert and mitigate a loss up to an amount of 50 % of the sum insured | |
| Consequential damage to yacht and boat due to rain, snow, heat, oxidation, rodents, wear and tear, construction faults, manufacturing or material defects | |
| Cost of a replacement skipper in case of unforeseen illness of the skipper (up to 1,100 EUR) to the port of departure or destination | |
| Transport costs to the shipyard and back | |
| Including Regatta Risk / Competition Risk for Sailboats at Club Regattas | |
| No deductible in the event of theft of the outboard motor when equipped with a GPS/GSM transponder | |
| No deductible for damage caused by lightning and transport, collision, and fire damage caused solely by third parties | |
| No deductible in the event of a total loss of the yacht, theft of personal effects, equipment, and accessories that are not permanently installed | |
| No deductible in the event of grounding for inspection costs of the yacht | |
| Worldwide cover on board of the insured boat and its tenders as well as chartered yachts | |
| Insured persons: policyholder (owner), skipper, crew members, visitors, and guests | |
| Double disability benefit from 90 % disability | |
| Compensation of up to EUR 3,000 for sea salvage, search and rescue costs | |
| Reimburse medical fees, other operation costs, hospitalization, and denture costs for cosmetic operations up to EUR 3,000 | |