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Recreational craft insurance

If you own a motorboat, rowboat, sailboat, yacht, or any other small craft for leisurely outings or sailing sports, you know how valuable a smooth, hassle-free experience on the water can be. To protect against unexpected events — whether at sea or in the harbor — recreational craft insurance is a smart choice.

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A dog wearing a life jacket sits at the bow of a boat, enjoying a ride on the sea.
What's covered? Frequently asked questions Had an incident? Report a claim

What types of watercraft can be insured?

Wind and/or motor-powered watercrafts

You can insure recreational craft powered by wind and/or motor that are used for personal leisure — such as sailboats, yachts, sailing vessels, motor sailers, motorboats, and speedboats.

Wind-powered watercrafts

We insure wind-powered craft, including those used in competitive sailing — such as dinghies, keelboats, racing yachts, and other types of sailboats.

Human-powered craft (no sail or motor)

We also insure boats that rely solely on oars for movement — such as rowboats. If your craft doesn’t have a sail or motor, it can still be covered.

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You can choose between all-risk coverage and partial coverage when insuring your small craft, boat, or sailboat. All-risk coverage applies both on water and on land, offering comprehensive protection. Partial coverage, on the other hand, is valid only on land and is a suitable option if your boat is stored ashore and you don’t plan to use it for a while.

What's covered? All-risk coverage Partial coverage
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Terms & Conditions

Each insurance policy includes specific insurance terms that we rely on when indemnifying damages when an insurance event occurs. Please make sure you have read the risks, exceptions, insurance events, etc. in the insurance terms.

Recreational craft insurance terms and conditions

  • Recreational craft insurance conditions (in Estonian) TB-20181
  • Conditions of liability insurance of the possessor of recreational craft TPV-20181
  • General insurance conditions TG-20211
  • General insurance conditions (for policies, issued before 01.12.2021) TG-20181 

Liability coverage for damage caused to others

Recreational craft liability insurance

If you accidentally cause an incident with your recreational craft that results in damage to someone else’s property or injury to a person, you may be held liable for compensating the loss.

In such cases, recreational craft liability insurance — commonly known as third-party liability insurance — can help cover both property damage and personal injury (such as medical expenses or loss of income). The insurance also covers legal and court-related expenses.

Liability insurance is often required by regatta organizers, but we recommend it for all recreational craft owners — accidents can happen unexpectedly, and while they can’t always be prevented, you can be prepared for the consequences.

 

Please note:
  • The insured person is the legal owner of the recreational craft as stated in the policy.
  • The recreational craft must be properly registered and must have passed inspection in accordance with applicable regulations and within the required time frame.
  • An insured event is defined as a sudden and unforeseen accident.
 Read the terms and conditions of recreational craft liability insurance

Situations where boat insurance has your back

Collisions and underwater obstacles

Lake and sea bottoms can be rocky, and floating logs — often lost during cargo transport — can appear out of nowhere. In such cases, even skilled skippers may find it impossible to avoid impact. This is especially risky for boats with outboard motors.

Storms and fire

Weather can be unpredictable. Sudden storms or severe lightning can strike while you're out at sea. Fires may also break out due to faulty wiring, leaking fuel, or cooking gas. With all-risk coverage, your insurance protects against fire and lightning damage, as well as storm-related damage to sails and the vessel itself.

Theft, robbery or unlawful use

Unfortunately, boats do get stolen. Outboard motors and other equipment are common targets. Sometimes the stolen items are never recovered, or they’re returned damaged. In these cases, your recreational craft insurance helps cover the loss or damage.

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Helpful tips

How to stay safe on the water and on shore

  • What to keep in mind on shore

    • Before winter storage, remove all electronic and other valuable equipment from the boat, including the outboard motor. A removed outboard motor remains insured if stored in a locked space.
    • If your boat is on a trailer, make sure the trailer is locked in a way that prevents it from being moved, and also secure the boat to the trailer.
    • In case of theft, the chances of recovering your boat, engine, or equipment are much higher if the insurance application includes the ID and serial numbers of each item.
    • An ignition lock (such as an immobilizer or a hidden switch) is a small and simple device that can make a big difference by preventing theft.
    • The smell of fuel may indicate a leak or evaporated fuel — always check fuel and gas lines.

    If your boat is equipped with an ignition lock, you’ll get a 10% discount on your insurance!

  • Before you leave the harbor – and while at sea

    • Make sure your boat is in good working condition before heading out.
    • Always have the required safety equipment on board. Wear a life jacket both at sea and on the dock.
    • Don’t go offshore if your boat isn’t designed for it.
    • Let someone close to you know your destination and schedule — and inform them if your plans change.
    • It’s your responsibility to know and follow all maritime rules.
    • Alcohol and boating don’t mix.
    • Don’t overload your boat beyond its allowed capacity.
    • Always stay aware of your surroundings at sea. Be cautious with speed.
    • Always check the weather forecast. If bad weather is expected, stay ashore. If you’re already at sea, head to the nearest harbor or sheltered area.
    • If your boat is at risk of sinking, call for help and stay near the accident site. That’s where rescuers will look for you first.
    • Don’t throw waste, oil residues, or toilet contents into the sea or on land. Take your trash home or dispose of it in a marina bin.

Recreational craft insurance FAQ

How long is the insurance period? Can I insure my boat for only three months or just for the navigation season?

The standard insurance period is usually one year. Since unexpected accidents can happen at any time — whether your boat is on the water or stored on land — we recommend choosing all-risk coverage for the full year. This ensures continuous protection and makes renewing your policy for the next period smoother and faster. However, if you only need coverage for a shorter time, we can also offer customized solutions.

Partial coverage is a good option if your boat is stored on land and not in use. It covers only incidents that occur while the boat is ashore. So if you’re not planning to use your craft for an extended period, partial coverage may be sufficient.

Can I insure the boat just for the duration of race or regatta?

Yes, it’s possible to take out insurance specifically for the duration of a race or regatta. If you need this kind of coverage, simply get in touch with one of our insurance advisors. You can insure both the recreational craft (e.g. yacht) and the owner’s liability — in case you accidentally cause damage to someone else during the event.

Where does recreational craft insurance apply?

You can choose the geographical area of coverage based on your needs when submitting your insurance request. The available coverage areas are:

  • Inland waters of Estonia, excluding border waters with Russia (e.g. Lake Peipus and Lake Pskov)
  • Inland waters of Estonia and the Baltic Sea
  • Inland waters of Estonia, the Baltic Sea, and more distant waters
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What else can you do to protect yourself from unexpected costs, if something happens to your property or you get injured in an accident? Protect your peace of mind with insurance — it helps you cope with the aftermath of accidents.

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