Frequently asked questions (FAQ)

We are happy to answer your questions.

We always strive to answer all your questions quickly and reliably. Our team would be happy to assist you by telephone. Here you can find an overview of frequently asked questions.

All-risk cover:
It is often the case with competitors that only single risk coverage is offered, wherein all insured risks are listed separately. The catch: everything that is not listed in the conditions is also not insured. With BAVARIA all-risk cover, all nautical risks are explicitly covered (apart from the machinery and the trailer), even if they are not specifically listed in the conditions.

Assistance service:
We provide a free service package for all our customers with fully comprehensive yacht insurance. This extends the previous comprehensive insurance cover with numerous services and thus offers more effective cover and service for yacht owners for the same premium.

Our insurance conditions are formulated clearly and understandably. And you can rest assured that we allow for a lot. After all, we are also sailors – and we know everything that can happen.

Best premiums:
We provide the best possible service at the lowest possible premiums. The basis for this is a personal calculation according to your specific needs. For example, we have special rates for certain cruising areas, discounts for well-known manufacturers and boat types, and experience and no claims discounts – even in advance. We adopt your discount from the previous insurer or offer you a special discount for a diesel engine. And after 5 years with no claims, we halve your excess.

Scope of cover:
We provide you with all-risk cover. Everything that is not explicitly excluded is insured – even events which no-one could imagine today. We offer a fixed rate for new and used boats: Your vessel will be covered at a specific insurance value. Our replacement value insurance is also particularly valuable. There are no new for old deductions.
We have compiled all necessary forms, applications and explanations for you. You can find these in our download area.
Liability insurance:
Our coverage concepts provide worldwide liability cover and include financial loss, damage to rented property, dinghies and trailers at no extra charge.

Fully comprehensive insurance:
Our fully comprehensive concepts cover your property in the event of damage or loss, from a broken mast through to your engines, from your dinghy through to the binoculars on-board: Our fully comprehensive insurance thinks of everything. At no extra charge.

In the event of a claim, we will respond to your claim report immediately. For this, please use the forms from our download area. If you have a problem, just call us: 24 hours, 7 days a week. Our employee on site will take care of your needs and our claims department will respond immediately. In case of emergency, you can reach us on the number: +49 (0) 89 - 69 39 23 88

We provide you with a comprehensive service during the term of the contract. From a certain size of vessel, we provide an assistance service throughout Europe. In addition, we have set up a callback service. Just complete the form and we will call you back.

Additional services:
You can always rest assured that our insurance covers all the important services, such as:
  • All-risk cover
  • Material damage
  • Grounding
  • Dinghy and trailer
  • Skipper liability and replacement skipper
  • Transport damage
  • Salvage and wreck removal
  • Slip and cranes
  • Cruising area expansion
  • Winter storage

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+49 (0) 89 - 649 22 33