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boat verzekeren & compare premiums

Verzeker uw boot — de WA-Coverage (aansprakelijkheid) is niet verplicht maar sterk aanbevolen en wordt door veel jachthavens geëist. Met casco dekt u ook diefstal, aanvaring, zinken en de motor. Wij vergelijken meer dan 30 Nederlandse verzekeraars. Onafhankelijk advies van Finass Insures — AFM-geregistreerd en Kifid affiliated.

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In 1 minute explained

Watch this short video to see what to look out for and which choices suit your situation.

Prefer to brainstorm directly? Contact us — wij kijken persoonlijk met u mee.

Insure a vessel with Finass Verzekert

What is boat insurance?

A boat insurance (pleasure craft insurance) protects you against liability and damage on the water. The Third-party liability coverage is not legally mandatory, but highly recommended and often a requirement of the marina. With hull insurance, you are also insured against theft, collision, sinking, and the engine.

You choose the coverage based on value, cruising area, and usage. You also insure the inventory, rigging, and (outboard) engine. At Finass Insures we compare more than 30 insurers and look for the coverage that suits your vessel.

What should you look for in boat insurance?

Pay attention to the sailing area, hull coverage, search and recovery on the water, insuring the engine and rigging, and any valuation. We provide independent advice.

More about the pleasure craft insurance

A boat or yacht represents considerable value and can cause damage on the water. pleasure craft insurance covers liability, damage, and theft of your vessel.

What does pleasure craft insurance cover?+
  • ✓Liability for damage to others on the water
  • ✓Damage to and theft of your vessel
  • ✓Fire, storm and sinking
  • ✓Engine, rigging and inventory (optional)
  • ✓Emergency response and recovery
  • ✓Compensation based on value or appraisal

We (Finass Verzekert) independently compare pleasure craft insurance from more than 30 insurers — so you get the best coverage at the most competitive premium.

Why is pleasure craft insurance important?+
  • ✓On the water, you are liable for damage to others.
  • ✓Hull insurance covers theft and damage to a valuable vessel.
  • ✓Recovery and assistance are also insured.
  • ✓Household contents and the motorcycle can be included in the insurance.
Who is pleasure craft insurance suitable for?+
  • ✓Owners of a sloop, sailboat, motorboat or yacht
  • ✓Water sports enthusiasts
  • ✓Owners of a valuable or new vessel
  • ✓Whoever stores the vessel in a marina
Tips for closing+
  • ✓Have a valuable vessel appraised
  • ✓Include engine, rigging, and contents.
  • ✓Pay attention to the sailing area in the terms and conditions.
  • ✓Comply with the storage and security requirements
How do you find the best pleasure craft insurance?+

The premium depends on the type of vessel, its value, and the sailing area. Finass Verzekert independently compares more than 30 insurers for your boat or yacht.

Which coverage suits your boat?

For a boat, you can choose from Third-Party Liability (WA), Third-Party + Limited Hull, and All-Risk. Third-Party Liability is recommended; due to the value, hull or all-risk is often sensible.

BASIC

Third-party liability insurance

Legally required minimum

Een pleasure craft insurance is in Nederland niet wettelijk verplicht, maar de WA-dekking (aansprakelijkheid) is sterk aan te raden en wordt door veel jachthavens geëist. WA dekt schade aan anderen, niet aan uw eigen vaartuig.

What is covered:
  • Damage to other vehicles
  • Injury to persons or third parties
  • Damage to buildings and objects
  • Damage caused by occupants
Bereken WA-Premium →
MOST CHOSEN
EXTENSIVE

Third-Party Liability + Limited Cover

Populair: casco & berging

In addition to third-party liability coverage, also protection against damage to your own car caused by external factors that you cannot prevent.

Extra coverage:
  • Fire and storm damage
  • Theft and burglary
  • Window breakage and glass damage
  • Collision with animals
  • Hail damage
Bereken WA+ Premium →
COMPLETE

All-risk insurance

For a new or expensive boat

The most comprehensive coverage, including for own damage such as collision, sinking, or stranding, often based on replacement value or appraised value.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Comparison of covers for your boat
CoverageWAThird-Party Liability + Limited CoverAll-risk
Damage to others (liability)
Fire, storm and nature
Theft and burglary
Window breakage and glass damage
Collision with animals
Damage to own car due to own fault
Vandalism and unknown perpetrator
Recommended forOlder boatRegular useNew boat

Additional coverages for your boat

Put together your boat insurance completely with these modules and extensions.

Inventaris & uitrusting

Insuring the inventory, equipment, and movable items on board against damage and theft.

Opsporing, berging & hulp

Costs of search, salvage, and assistance on the water following a breakdown or damage.

Accidents involving passengers

Fixed benefit for permanent injury or death of persons on board following an accident.

Motorcycle & tuigage meeverzekerd

Coverage for the (outboard) engine, mast, rigging, and sails against damage and theft.

PREMIUM CALCULATION

What does your boat premium depend on?

The premium for a boat depends on the type and value, the cruising area, the engine power and speed, your berth or storage, and the chosen coverage.

By comparing via Finass Verzekert, you immediately see which insurer insures your boat at the lowest cost.

1
Type & waarde Vessel
Cruising area and engine power
2
Number of claim-free years
The more years, the lower your premium (up to 80% discount)
3
Annual mileage
Berth, storage and no-claims years
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regional theft and collision statistics

Insuring your boat or switching: this is how it works

The best way to insure your boat is with the right coverage that suits your usage. We compare more than 30 insurers. Do you already have a policy? After the initial contract period, you can switch monthly; Finass Verzekert takes care of it, ensuring you are not left uninsured.

The 4 steps to switching

  1. Calculate your premium via our tool with your license plate
  2. Compare the providers and choose the best coverage for your boat
  3. We handle the cancellation with your old insurer
  4. Your new policy takes effect immediately after the notice period

When can you cancel?

When insuring a boat, pay attention to the sailing area, hull coverage, and search and recovery on the water. We find the insurer that offers the most favorable coverage for your vessel and handle the entire switch.

Insure your boat or switch with Finass Verzekert

Frequently asked questions about your boat

All the answers to the most frequently asked questions about your boat, listed together.

Is boat insurance mandatory?

Een pleasure craft insurance is in Nederland niet wettelijk verplicht, maar de WA-dekking (aansprakelijkheid) is sterk aan te raden en wordt door veel jachthavens geëist. Vanwege de waarde is casco vaak verstandig.

Which coverage should I choose for my boat?

You can choose from Third-Party Liability, Third-Party + Limited Cover, and All-Risk. The choice depends on the value, the sailing area, and the usage. We compare the options for you.

Where am I insured with my boat?

You are insured on Dutch inland waterways by default. For wider inland waters, coastal waters, or abroad, you can expand your sailing area. We tailor this to your sailing plans.

Is my motorcycle insured?

Yes, you include the (outboard) motor, mast, rigging, and sails in the insurance against damage and theft. We ensure that everything is listed in the policy.

Is theft of my boat covered?

With limited or full hull insurance, you are insured against theft. An approved lock, security measures, and a secure berth or storage facility are often requirements and reduce the premium.

Will I receive help and salvage on the water?

With the search and recovery module, you receive assistance on the water following a breakdown or damage, including recovery costs. We include this in our advice.

Can I insure my boat at its appraised value?

For a yacht, classic boat, or wooden boat, insuring at appraised value is sensible so that the value is fixed in the event of damage. We arrange a valuation plan.

Can I get insurance without no-claims years?

Yes, that is always possible. We will find the insurer with the most favorable terms for your boat.

Personal advice on your boat at Finass Verzekert
Finass mascot

Why insure your boat via Finass Insures?

As an independent advisor, we compare more than 30 Dutch insurers and know the key considerations for your boat. Not a comparison site, but a real advisor.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Knowledge of vesselssailing area, casco & berging
  • Personal adviceAvailable 6 days a week

What our customers say about their boat

Customers rate Finass Verzekert on average with a 9.5 and the handling of car damage with a 9.8.

9.5
Customer review
9.8
Claims handling

“Mijn boot is nu goed verzekerd, inclusief de buitenboordmotor en berging op het water. Finass koos precies de juiste Coverage.”

W
Haye UC.
All-risk — motorboot

“Fijn dat het sailing area netjes is afgestemd op mijn plannen. Helder advies.”

G
Iede BK.
WA + Casco — boat

“Na A aanvaring snel geholpen en alles vergoed. Prettig en professioneel.”

H
Jelmer CR.
All-risk — boot, berging

“Persoonlijk geholpen bij het verzekeren van mijn boat. Aanrader.”

M
Karsten DZ.
WA + Casco — boot, Motorcycle

Related insurances

View the insurance that suits your vessel.

Sloep →

For the classic recreational sloop.

Zeilboot →

Mast, rigging, and sails included.

Jacht →

For motor and sailing yachts.

Boottrailer →

For the transport of your boat.

Category: Traffic  ·  Vessel  ·  Trailer  ·  Auto

Already insured and damaged?

Report your damage immediately, or consult your insurer's policy conditions and forms. In the event of damage, calling us is the fastest way. 072 - 509 24 56.

Ready to your boat to insure?

Calculate your premium and discover with which insurer your boat is well and affordably insured. Personal and independent advice from Finass Verzekert.

Damage or breakdown on the road? Emergency line 24/7: 06 - 55 20 40 72