Insurers & Rates
Comparing rates, understanding policy conditions, and finding the right cover.
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.