In Belgium, boat insurance is usually not legally required, but marinas, water sports clubs, or foreign regulations may require it.
Solutions
Boat & yacht insurance
Protect your boat, yacht or jet ski against the financial consequences of damage, accidents and liability on the water. We create a tailor-made insurance policy so you can enjoy every trip on the water with peace of mind.
What is a boat & yacht insurance?
A boat & yacht insurance protects you against the financial consequences of damage or liability during the use of your boat, yacht, or jet ski.
Unlike a car, insurance for your pleasure craft is usually not legally required in Belgium. However, many marinas, water sports associations, and event organizers do require you to take out at least a Civil Liability (CL) insurance before you are allowed to dock or use your boat.
In addition to this CL insurance, you can expand your policy with optional cover ages, such as hull insurance for damage to your own vessel, theft, legal assistance, personal accident coverage for passengers, and other additional protections. This way, you can put together an insurance package that fully matches your boat, your sailing area, and your way of boating.
What are the benefits?
Tailored protection
You choose the coverages that match your boat, sailing area, and usage.
Comprehensive coverage
Insure not only your boat, but also your liability, passengers, and legal disputes.
International protection
Even when you sail your boat abroad, we provide an appropriate insurance solution.
Specialized advice
Our experts create a policy that perfectly matches your vessel and your sailing plans.
Who is this insurance for?
This insurance is suitable for private owners of, among others:
- motorboats
- sail boats
- yachts
- launches
- jet skis
Even if you regularly sail abroad or moor your boat in a marina, we provide insurance tailored to your situation.
Are you renting out or chartering your boat? Then we will look together at which additional insurance policies you may need.
What is covered and what is not?
What is covered? Depending on the guarantees you choose, your boat insurance may cover the following risks, among others:
- Civil liability for damage to third parties
- Damage to your boat caused by collision, fire, storm or other unforeseen events
- Theft, burglary and vandalism
- Personal accidents involving those on board
- Legal and contractual disputes covered by legal assistance
What is not covered?
- Damage caused by wilful acts or gross negligence
- Wear and tear, age or poor maintenance
- Rental or charter activities without appropriate insurance
- Damage that is expressly excluded in the policy conditions
How much does this insurance cost?
The premium for a boat & yacht insurance depends on various factors, including:
- the type of boator yacht
- the insured value
- the engine power and dimensions
- the sailing area
- the chosen coverages
- any deductible
Because every boat is unique, we always work with a customized quote.
"Thank you very much for the clear information and the prompt follow-up!"
Family K. from Westerlo
Our promise to you
Personal & committed
a tailor-made partner
Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
Expertise & experience
already 80 years in insurance
With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
Security & peace of mind
protection for today and tomorrow
We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Would you like to take to the water with peace of mind?
Our specialists are happy to determine which insurance best suits your boat, sailing area, and usage. You will receive a clear, tailor-made quote, completely without obligation.
Which insurances complete your package?
Private accident insurance
Lees meerInsights for individuals
16 April 2026
2 min.
9 + 1 tips for completing an accident report form
An accident never happens at a convenient time. It often occurs unexpectedly and requires quick…
11 June 2025
2 min.
New procedure for cancelling license plates: from August 1st, the DIV will…
From 1 August 2025, the way in which license plates are deregistered in Belgium will change. From…
06 June 2025
2 min.
What changes in compensation for personal injury cases?
When an incident results in physical injury, the Indicative Table serves as a crucial guide for…
24 October 2024
3 min.
Well insured on the way to school
More than a million children head to school every day. This leads to considerable traffic…
Need help? Contact us.
Didn't find the answer to your question or would you like to discuss your situation with a specialist? Our colleagues are happy to assist you.
Prefer faster help? Check out our frequently asked questions.
Our experts
