Knowledge for your
next trip.
Charter insurance, yacht hull cover, skipper knowledge, and safety on board – explained clearly and sorted by topic.
Topics
Chartering
Everything about booking a charter, handover, and the right insurance for your trip.
1 articleBoats & Yachts
Hull insurance, maintenance, and everything worth knowing about owning a yacht.
1 articleSailing Areas & Countries
Insurance requirements and specifics in the most popular charter destinations.
1 articleSkipper Knowledge
Practical knowledge for skippers – from liability questions to responsibility on board.
2 articlesWeather & Safety
Assessing weather risks correctly and staying safe on board.
1 articleInsurers & Rates
Comparing rates, understanding policy conditions, and finding the right cover.
2 articlesLatest articles
Skipper: meaning, duties, responsibility, and insurance
A skipper is the person who commands a boat or yacht. They take on the nautical command and make the key decisions on navigation, manoeuvres, weather, route, and safety on board. Under German law, the term mostly used for this is **Schiffsführer** (vessel operator). Anyone skippering someone else’s or a chartered yacht should also check how their personal liability is covered.
ADAC Watersports Insurance: Cover, Costs, and Alternatives at a Glance
ADAC watersports insurance isn’t a single policy but three separately available covers: watersports liability for your own boat, watersports hull insurance for damage to your own boat, and skipper and crew liability for chartered or borrowed boats. For the hull cover, it’s worth taking a close look at the "fixed value under Section 76 VVG" – it isn’t automatically incontestable in every case of total loss. According to current information, ADAC members receive a 10% discount on the base premium. The insurer is AIG Europe S.A.; ADAC Versicherung AG arranges the contracts.
Comparing charter insurance rates: what actually matters
When comparing rates, the premium is only one factor – the sum insured, excess, geographical scope, and exclusions matter just as much. Two similarly priced rates can pay out very differently in the event of a claim.
Storm warnings before a charter trip: decide safely instead of risking it
A storm warning shortly before or during a trip is no reason for risky decisions. Weather services, warning levels, and coordination with the charter base help with the assessment. Trip cancellation and curtailment insurance can apply if the trip is cancelled or cut short as a result.
Skipper liability insurance: when you need it and what it covers
Skipper liability insurance protects you against certain personal liability risks when you skipper someone else’s or a chartered boat. It can become especially important when the charter yacht’s own liability insurance does not pay out, or not in full. Depending on the policy, cover can include personal injury, property damage, and financial loss, as well as claims from crew members, damage to the charter yacht caused by gross negligence, loss of charter hire, and security deposits abroad. In Germany, there is generally no legal requirement to take it out.
Chartering in Croatia: which insurance is actually required
Anyone chartering a yacht in Croatia does not have to take out skipper liability, deposit, or trip cancellation insurance themselves. What is required, however, is liability insurance for the chartered boat. For a regularly chartered yacht, this cover is the charter company’s or boat owner’s responsibility. Significant personal risks can still remain for the skipper, which is why additional skipper liability insurance and charter deposit insurance can make sense.