Watercraft insurance

Whether you own a motorboat or a yacht, watercraft insurance provides comprehensive cover for grounding, storm damage, or accidents. It offers protection in harbours, on rivers and lakes throughout Europe, on the seven seas and even on land.

Image Not Found Optimal security on water and land
Image Not Found Combine coverage as required
Image Not Found Covers damage caused by natural events
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How watercraft insurance works

Our watercraft insurance allows you to take out important basic cover such as third party liability insurance, accidental damage insurance and accident insurance. We also have plenty of supplementary insurance to choose from. Depending on your specific needs, you can also insure your personal effects and ship’s boat as part of your policy.   

Your benefits

Optimal protection

On water and on land

  • Basic and supplementary cover according to your needs
  • Natural hazards are also insured on the water
  • Towed and pushed objects covered
  • No bonus/penalty system for third-party liability

Watercraft insurance at a glance

Coverage types




Our advisors are there for you

Our competent advisor team will find the right solutions for you.

Coverage types in detail

In brief

  • Partial or comprehensive insurance
  • Third-party liability insurance
  • Accident insurance

What basic cover is available?
You can select from three types of basic cover as part of our watercraft insurance: 

  • Third party liability insurance
    Third-party liability insurance is mandatory for many boats and ships. It insures against damage to third parties or their property caused while operating or holding a vessel.
  • Accidental damage insurance

    Partial accidental damage insurance: Insures against damage caused by theft, fire, natural events, glass breakages, vandalism. Both on land and in water.

    Comprehensive accidental damage: Comprehensive accidental damage cover comprises partial accidental damage  and cover for collision damage. 
  • Accident insurance
    If passengers are injured in an accident, benefits are paid immediately, with no bureaucracy and irrespective of liability.

In brief

  • Personal effects
  • Transport for watercraft
  • Cover for a dinghy

What supplementary insurance is available?
You can select the following supplementary cover as part of our watercraft insurance:

  • Personal effects
  • Transport of the watercraft
  • Cover for a dinghy
  • Liability claims made by towed water skiers


In brief

  • Select from 3 zones
  • European inland waters
  • To worldwide coverage

Where does the insurance cover apply?
You select the zone you need coverage for: 

  • Zone A: European inland waters including rivers, channels and their ports up to their outer piers or maritime borders.
  • Zone B: Zone A plus: Bodies of water of the Baltic Sea, Gulf of Finland, Gulf of Bothnia, Kattegat and Skagerrak Straits, North Sea, English Channel, Irish Sea and adjacent Atlantic bodies of water within the connection lines of 6° north  including Bergen, 2° west, 2° north and the Mediterranean including straits and adjacent inland seas.
  • Zone C: Worldwide.

You can request a short-term extension of your policy from Zone A to Zone B at any time. 

Practical example

At the end of a hot summer day, a severe thunderstorm breaks over Lake Zurich. The next day, Mr Miller goes to the harbour where his sailboat is anchored. There, he finds out that his boat was damaged in the storm and sank. Only the top of the mast is visible above the water. Thanks to his partial accidental damage cover, he can rest assured that Generali will assume the costs of the repairs in addition to the costs of recovering and transporting the boat to the dockyard where it will be repaired. A few days later, he's out on the lake again, enjoying the summer weather.

Optimal insurance for your watercraft, on water and land.

Customer opinions

Said Abd El Ham 29.04.2024
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Juha-Pekka P. 28.04.2024
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Gaurav M. 26.04.2024
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Kulyk T. 26.04.2024
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Rogior Maarten 12.04.2024
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Andrea S. 07.04.2024
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Melanie S. 04.04.2024
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Meng-Mei C. 29.03.2024
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Hugo Robert N. 27.03.2024
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Questions and answers

Report a claim

Do you need to report a claim? We are here for you.

0800 881 882

Download documents

Name File Size
General Policy Conditions (in German) PDF 0,2 Mb