FAQ

No, in Belgium and the Netherlands, this insurance is not mandatory for all vessels. However, in many marinas, liability insurance (third-party liability) is required in order to enter the harbour.

We always follow the legal requirements of the country whose flag your vessel sails under, as well as those of the waters where you are navigating. However, it is highly recommended to hold a boating licence, even when it is not legally required. Knowing the navigation rules well is essential to correctly assess risks and to respond appropriately in emergency situations.

• Liability

• Hull

• Contents: up to 10% of the boat’s value (can be extended with an additional premium).

• Personal accident insurance for passengers

• Towing costs

• Rescue and recovery

• Legal assistance

• Charter

Yes, provided you have hull  coverage.

This can be done by phone, by email, or by post.

Yes, with an additional premium in case of expansion, or even a discount if you choose a smaller navigation area. Please note: reducing the navigation area is only possible on the policy renewal date.

No, unfortunately we cannot insure houseboats.

The liability coverage compensates this damage without any deductible.

Yes, you can insure these, but you must report them. Both are automatically covered up to a value of €5,000. For higher values, an additional premium will be charged. Please note: the trailer is only covered when not being towed. You must still insure the trailer under the third-party liability insurance of the towing vehicle.

Yes, damage to your boat during transport on public roads within the chosen navigation area is covered.

The exclusions in our policies are clearly and transparently stated in our policy terms and conditions. If you have specific questions about this, you can always contact us. We will be happy to provide you with additional information.

No, what we do offer is a discount on the policy combined with a “laid-up clause.” It is often forgotten that a boat can still suffer damage while not in use. That’s why we recommend keeping your insurance active, even when your vessel is temporarily out of the water or not being used.

• Sailboats may participate in regattas, provided that these take place in the North Sea or on the Lower Scheldt. Participation in a regatta on the Mediterranean Sea is possible upon request.
• Motorboats are not allowed to take part in speed races; this is explicitly excluded in our policy terms and conditions.

There is no single answer to this question, as the premium depends on several factors. That’s why we ask you to complete your quote request via our website. We will then make sure you receive a personalised offer as soon as possible, so you immediately know the correct price and won’t face any surprises.

Yes, provided that you inform us immediately. In that case, we include a charter clause in your policy. Due to the higher risk, an additional premium will be charged. However, bareboat chartering is excluded in our policy terms and conditions.

The deductible, also known as the excess or the franchise, applies only within the Hull coverage. The amount of this deductible can be found in the special terms and conditions of your policy.

You can find the answer to this question in our detailed article.

You can find the answer to this question in our detailed article.

You can report damage in the following ways:

• In case of an emergency: via our emergency number +32 491 76 11 63
  
• In case of non-urgent damage: via our general number +32 3 219 20 02
• By e-mail: info@indumar.be
• Via our website: Indumar | Damage claim

For each claim, we assess which information is required. However, there are a number of standard documents and details that we need in every file:

1. Photos of your own damage and/or damage to third parties
2. The date of the incident
3. The boat’s registration certificate
4. The navigation licence (if mandatory)
5. A clear description of the circumstances (including location, wind speed and direction, current data, sailing direction, and the sail position in the case of a sailing boat)
6. The details of the other party (if applicable)