Yacht-Pool
professional skipper accident insurance
Because, irrespective of one's own or other persons' culpability, it covers the costs of accidents (for disability and the temporary consequences of accidents) in accordance with YACHT-POOL terms and conditions.
Because liability insurance cover is not applicable if there is no culpability.
Because accidents can be extremely costly when you can make practically no use of other persons' liability insurance (foreign countries!).
Because in the event of disability the financial consequences can threaten one's own livelihood.
Because standard accident insurance policies may not cover "forms of sport which are liable to involve danger" (this includes offshore sailing).
Because the private accident insurance is not valid for professional skippers.
Because standard accident insurance policies often only pay out if there has actually been an accident.
- Because the costs of rescue as provided for in standard accident insurance policies, i.e. in the amount of several thousand euros only, are much too low for blue-water sailing. A skipper accident insurance policy covers all accidents to persons which have been sustained by the insured parties when operating a yacht, in compliance with the General Terms and Conditions of Accidents and the Special YACHT-POOL Terms and Conditions.
IMPORTANT NOTE:
The skipper accident insurance policy also pays out even if no persons have been involved in an accident, i.e. when you are in distress at sea and need to call for help to prevent an accident. Rescue costs for distress at sea are reimbursed up to €60,000, depending on the insured sum which has been selected, even if no persons have been injured (unlike standard accident insurance policies).
These gaps in insurance cover are often underestimated. Because who is aware that a rescue helicopter can cost up to € 16,000 per hour and that the rescue costs offered by standard insurance companies (a few thousand euros) may be completely insufficient? Or that there may be no payment if there is no actual accident, for instance because all persons involved have been rescued successfully?
But we pay up – even in cases like that !!
The skipper accident insurance policy is valid worldwide!
Important: This insurance is only valid for the skipper. Crew members have to insure themselves.