How to insure your boat for a round-the-world cruise or a sailing program in Polynesia

Adapting your insurance to your program

The two factors to consider when insuring your boat are the exact coverage you’ll get and the cost of the insurance premium. The main elements of coverage are:

• What incidents are covered: damage, grounding, disappearance, theft, dinghy theft, medical problems or repatriation?
• What are the deductibles for each type of event?
• What are the exclusions to your insurance coverage?
• In what geographical area and season does my insurance cover me?

The insurance premium you pay will of course depend on the level of cover provided. But let’s not forget the other side of the equation: the insurer will try to calculate its risk, i.e. the probability of one of these incidents occurring, and what it will have to pay out if it does. To do this, he will rely on several key elements:

• How much is your boat worth?
• What is its technical condition and level of readiness for the planned voyages?
• What kind of sailing you’re planning, and in what season
• How experienced are you and your crew?

How to choose the right insurance

Our experience in selling dozens of boats, supporting our customers’ projects and our own crossings has given us a good understanding of how insurance works. As a result, we can advise you on how to obtain the best possible insurance cover. Broadly speaking, the better prepared you are not only for sailing, but also for boat maintenance and monitoring when you’re not on board, and for your choice of weather routing, the lower the risk of having to call on your insurance at some point in the future, and the lower the premium you’ll have to pay.

In order to offer you the best possible service through personalized advice in the negotiation of your insurance contract, we have formed a partnership with one of the best brokerage firms, De Lassée.

For our part, we’ll work with you to limit risk factors.

Anticipating weather risks

On a round-the-world program, it’s vital to study the major weather phenomena and sailing seasons so as to sail with peace of mind.

Once you arrive in Polynesia, you need to anticipate and adapt to an area as vast as Europe. Fortunately, the risk of violent weather events such as cyclones or strong tropical depressions is relatively limited in Polynesia, and there are many shelters, whether in Tahiti, the Leeward Islands or the Marquesas.

Discover our full analysis in our article dedicated to the weather in Polynesia>>.