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Regardless of whether on water or land, as a boat owner, you're responsible if there's a claim. As well as liability insurance which is mandatory for certain boat categories in Switzerland, you can insure your watercraft with partial or comprehensive accidental damage and accident insurance.
As the owner of several watercraft, you have two options to choose from:
Liability insurance covers damage or loss that you inflict on a person (e.g. waterskiers or wakeboard riders) with your watercraft. It pays for damage to property and accidents involving animals. Liability insurance is mandatory for:
With partial accidental damage insurance from AXA, the following damage to your boat is insured:
In addition to the losses covered by partial accidental damage insurance, comprehensive accidental damage insurance covers collisions:
You can supplement your comprehensive accidental damage insurance by adding machinery insurance to the coverage. This module covers loss or damage due to external effects and internal causes such as:
Accident insurance protects you against the financial consequences arising from accidents relating to the use of your boat as well as due to sunstroke, heatstroke, hypothermia, freezing, drowning, etc. In these instances, you can choose your own sum insured. The following can be insured:
Legal protection insurance covers the financial costs necessary to defend and enforce your legal interests, for example:
The sum insured is limited to a maximum of CHF 300,000 in European inland waters. You are insured for a maximum of CHF 150,000 on sea voyages. If legal advice is provided by a lawyer recommended by AXA, you do not pay any deductible for legal costs.
