Skipper accident insurance
Many insurers exclude hazardous sports!
The solution: SKIPPER ACCIDENT INSURANCE from YACHT-POOL!
“I have accident insurance” you may be thinking. We have developed the special skipper accident insurance for the following reason: Various accident insurers exclude accidents from “risk-prone” sports (increasing trend)
All accident insurance policies cover salvage costs (recovering people from the ship) for only a few thousand euros. In the event that a personal accident has not actually occurred, you will receive nothing. As a skipper, you cannot be sure that all crew members actually have accident insurance. In the event of an accident, a legal dispute may arise between you and the injured crew member to determine whether or not you as the skipper are at fault (and therefore liable).
“My crew members don’t do that, they’re all old friends of mine”, you might think. The reality is that the accident insurance, health insurance, pension insurance or whoever else has to pay for the costs of the accident can take recourse against the skipper if it can be proven that he was at fault. With skipper accident insurance, this risk can be eliminated in addition to skipper liability insurance because the accident insurance department might have to argue about this with the liability department of the same company, which will not happen because it makes no sense.
But that is just as important! The skipper’s accident insurance covers up to € 60,000 in salvage costs. Even if no accident has occurred, but you are in distress at sea and need to call for help. For rescue helicopters in the Mediterranean countries up to € 15 000,- per hour are charged! The skipper accident insurance can be taken out for the skipper and all crew members or just for the skipper alone. Depending on your choice, the sum insured is divided among all crew members in the event of a claim or is only available to the skipper. If the insurance cover for “Skipper & Crew” is selected, all crew members on board with the skipper are automatically insured (it is not necessary to name the crew members)
IMPORTANT:
And they paid even then, if at all there was no personal accident, or if you are in distress at sea and need to call for help to prevent an accident. Depending on the sum insured selected, rescue costs from distress at sea are reimbursed up to EUR 60,000, even if there is no injury to a person (unlike conventional accident insurance). These gaps are often underestimated. After all, who knows that a rescue helicopter can cost up to EUR 16,000 per hour, and that rescue costs of a few thousand euros from conventional insurance companies may be far from sufficient, or that no payment is made at all if there is no accident because, for example, all persons could be successfully rescued.
But we pay – even in this case! – Skipper accident insurance is valid worldwide!
The advantages of YACHT-POOL SKIPPER ACCIDENT INSURANCE at a glance
- YACHT-POOL's SKIPPER ACCIDENT INSURANCE is not only valid for a specific charter, but is unlimited for a whole year!
- 12 months insurance cover! - Pay for an insurance premium and be insured premium-free for 12 months!
- With YACHT-POOL SKIPPER ACCIDENT INSURANCE, you can charter anywhere, as often as you like and with any ship you like!
- Protection for skipper and crew
- Valid worldwide!
- Because it covers accident costs for disability and temporary consequences of accidents, regardless of whether the insured person is at fault or not, in accordance with the YACHT POOL conditions.
- Because liability insurance does not apply if there is no fault.
- Because liability insurance does not apply if the injured party is at fault but is a family member.
- Because accidents can cost a fortune if you are practically unable to claim against the liability of others (abroad!).
- Because the financial consequences of disability can be of existential importance.
- Because conventional accident insurance policies may not cover "hazardous sports" (which include ocean sailing).
- Because conventional accident insurance policies often only pay out if an accident actually happens.
- Because with conventional accident insurance, the planned salvage costs of just a few thousand euros are far too low for blue water sailors. In accordance with the General Accident Conditions and the "Special YACHT-POOL Conditions", it covers all personal accidents suffered by the insured persons while operating a yacht.
Further insurances for charter skippers:
Skipper liability
The skipper is liable for damages that he has culpably caused to others with his present and future assets – without limitation – this is your risk! YACHT-POOL includes gross negligence and defense against unjustified third-party claims
Charter deposit insurance
Every experienced skipper knows how quickly the harmony of the crew is severely disrupted if damage is caused by him or a crew member and everyone is asked to pay. As united as the crew was before the start of the charter,
Charter consequential loss insurance
There is a risk that you will cause damage to the charter vessel and therefore the vessel will no longer be operational in time for the subsequent charter and because you are legally or on the basis of the charter contract responsible for the damage.
Charter Cancellation Insurance
The yacht for your cruise is booked, the crew is complete and the anticipation is already high – nothing can go wrong now, can it? Unfortunately already! What happens if the skipper has an accident shortly before the cruise and is unable to make the trip? If a family member is seriously
