SAILING INSURANCE

If you become severely ill due to seasickness and require medical treatment, our policy covers emergency medical expenses and repatriation costs. However, for trip curtailment, you would need to refer to Section 7a (for Sports Travel policy) or 7b (for Activity TopUp policy). These sections cover irrecoverable unused travel and accommodation expenses if you need to cut your trip short due to illness, subject to policy terms and limits.

Our policy provides comprehensive coverage for injuries sustained while sailing. This includes:

• Emergency medical and hospital fees
• Repatriation costs if necessary
• Additional travel and accommodation expenses for a friend or relative to stay with you if required on medical advice.

For Sports Travel policy holders, there’s also a Personal Accident benefit which provides compensation for death or disablement resulting from an injury during the trip.

Our sailing holiday insurance covers loss of or damage to your property up to the limit shown in the Policy Benefits section. To ensure coverage:

• Keep your belongings secure when possible.
• Report the theft to local authorities as soon as possible.
• Obtain a written police report.
• Contact our claims department to initiate the claims process.

Note that there are exclusions for valuables left unattended and for certain types of property. There is also a single item limit and a total limit for valuables.

Our standard insurance does not cover damage to chartered yachts. This is outlined in the personal liability section (Section 4) of our policy document, which specifically excludes liability for loss or damage to property belonging to or in your care, custody, or control.

Yes, we can cover offshore sailing but the underwriters have limited it to the North Sea, Irish Sea, Celtic Sea, English Channel, Bay of Biscay, Straits of Gibraltar, the Mediterranean Sea, between the Caribbean Islands (except in hurricane season), from the west coast of Morocco or south coast of Portugal to the Canary Isles, the Baltic Sea and between the islands off the coast of Norway(excluding the Svalbard Islands).

While our sailing insurance doesn’t typically cover trip cancellation due to unfavourable weather, due to natural disaster or Government directive.

Yes, we can cover participation in organised sailing events and races, provided you’ve selected the appropriate level of coverage and sport group. However, professional sports or activities are excluded from coverage.

In case of an emergency while at sea:

1. Ensure immediate safety of all on board.
2. Contact local coast guard or maritime rescue services if necessary.
3. As soon as possible, call our 24/7 emergency assistance line (provided by International Medical Group – IMG)
4. Follow the instructions provided by our emergency team.

Remember, for medical emergencies, you must contact the Assistance Provider as soon as possible. They must authorise any in-patient treatment, repatriation, or curtailment.

For any other questions about your sailing insurance coverage, please don’t hesitate to contact our customer service team.

Yes, it’s possible to get sailing insurance with a pre-existing medical condition, however you must declare any pre-existing medical conditions to us at the time of purchasing the insurance or at the time of booking your trip, whichever is later.

Our policy may contain restrictions related to certain medical conditions. It’s crucial that you review the full policy wording for details on which conditions you need to declare.