Finance & Insurance / Insurance

Visicover Yacht and Sailing Boat Insurance: An Honest Review

Visicover is an online insurance specialist that offers a wide range of insurance policies for boat owners. The company caters to different types of vessels, from canoes and windsurfers to ocean-going sailing yachts and motor cruisers. With its online platform, Visicover aims to provide a convenient and hassle-free way of purchasing insurance policies for boat owners.

Understanding Visicover’s service is crucial to making an informed decision on whether to purchase insurance from the company. Visicover offers different policy cover options, including comprehensive, third party only, and third party fire and theft. The policies cover different aspects of boat ownership, such as damage and loss coverage, third party liability, benefits and extras, personal coverage, specific risks coverage, and more. Visicover also partners with leading insurance companies to provide its clients with the best possible coverage at competitive prices.

Key Takeaways

  • Visicover offers a wide range of insurance policies for different types of vessels, from canoes to ocean-going sailing yachts and motor cruisers.
  • The company provides different policy cover options, including comprehensive, third party only, and third party fire and theft, which cover different aspects of boat ownership.
  • Visicover partners with leading insurance companies to provide its clients with the best possible coverage at competitive prices.

Understanding Visicover’s Service

Visicover is an online insurance service that offers yacht and sailing boat insurance for UK boat owners. The service caters to a wide range of vessel types, from canoes and windsurfers to ocean-going sailing yachts and motor cruisers. The service is available through their website, which is easy to navigate and provides a simple and straightforward way to purchase insurance policies.

One of the key benefits of Visicover’s service is that it is available online, which means that customers can purchase policies at any time of the day or night. The site is also designed to be user-friendly, with clear and concise information about the policies on offer. Customers can also use the site to manage their policies, making changes and updates as necessary.

In addition to its online service, Visicover also provides a 24-hour claims hotline, which is available to customers in the event of an accident or incident. This means that customers can get the help they need quickly and easily, without having to wait for regular business hours.

Overall, Visicover’s service is designed to be simple, straightforward, and accessible to all UK boat owners. With its online site and 24-hour claims hotline, customers can feel confident that they are getting the support they need when they need it most.

Policy Cover Options

Visicover offers a range of policy cover options for sailing yachts and keelboats. These include comprehensive, third-party, fire and theft, and third-party only policies. The comprehensive policy is the most extensive cover and provides protection for accidental damage, theft, fire, and third-party liability. The third-party policy covers only third-party liability, while the fire and theft policy covers loss or damage due to fire or theft. The third-party only policy provides cover for third-party liability only.

Visicover’s policies also offer a range of additional cover options. These include personal accident cover, which provides financial support in the event of an accident resulting in injury or death. There is also cover for racing risks, which provides protection for damage to the boat during racing events. Other additional covers include cover for masts, spars, and rigging, as well as cover for personal effects and equipment.

Visicover’s policies are tailored to meet the needs of boat owners and provide comprehensive cover options. The policies are flexible and can be customized to suit individual requirements. The company also offers a 24-hour claims service, which ensures that claims are handled quickly and efficiently.

In summary, Visicover offers a range of policy cover options for sailing yachts and keelboats. The policies are tailored to meet the needs of boat owners and provide comprehensive cover options. The company also offers a range of additional cover options, which can be customized to suit individual requirements.

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Financial Aspects

Visicover offers competitive premiums for yacht and sailing boat insurance. The cost of boat insurance can vary depending on the size, type, and value of the vessel. According to Ramsey Solutions, the average cost of boat insurance is between $200 to $500 a year. However, for larger or more expensive boats, such as yachts or sailboats, the cost can range from 1-5% of the boat’s value. Visicover’s premiums are tailored to the specific needs of the boat owner, providing a flexible and affordable option.

Visicover also offers financial benefits to its customers. For example, boat owners can choose to pay their premiums in interest-free instalments, allowing them to spread the cost over the year. This can be particularly beneficial for boat owners who may have other financial commitments to consider.

In addition to affordable premiums and instalment options, Visicover also provides discounts for boat owners who take certain safety measures. For example, if the boat owner has completed a recognised boating course or has installed safety equipment, such as a GPS or fire extinguisher, they may be eligible for a discount on their premium.

It is important to note that the rates for boat insurance can vary depending on the type of boat and the level of coverage required. Visicover offers a range of policies to suit different needs, from third-party liability to comprehensive coverage. Boat owners should carefully consider their options and choose a policy that provides adequate protection for their vessel.

Overall, Visicover provides a range of financial options and benefits to its customers, making it a competitive and affordable choice for yacht and sailing boat insurance.

Types of Vessels Covered

Visicover yacht and sailing boat insurance covers a wide range of vessel types, from canoes and windsurfers to superyachts and commercial vessels. The company offers tailored policies to meet the specific needs of each individual customer and their vessel.

Visicover provides coverage for various types of vessels, including:

  • Sailing boats: Visicover provides coverage for all types of sailing boats, including dinghies, keelboats, and yachts. The company provides coverage for both racing and cruising vessels, and all policies are tailored to the specific needs of the customer.
  • Motorboats: Visicover provides coverage for all types of motorboats, including speedboats, RIBs, and cruisers. The company offers policies that cover both pleasure and commercial vessels.
  • Houseboats: Visicover provides coverage for houseboats with or without a motor. The company offers policies that cover both stationary and mobile houseboats.
  • Narrowboats: Visicover provides coverage for narrowboats, which are long, narrow boats designed for use on canals and inland waterways.
  • Superyachts: Visicover provides coverage for superyachts, which are large, luxury vessels. The company offers policies that cover both pleasure and commercial superyachts.

Visicover’s policies are designed to provide comprehensive coverage for all types of vessels, regardless of their size or intended use. The company’s policies cover a wide range of risks, including damage to the vessel, theft, and liability for damage to third-party property or injury to third parties.

Visicover’s policies are underwritten by leading marine insurers, ensuring that customers receive high-quality coverage and excellent customer service. The company also offers a range of additional benefits, including 24/7 claims support and access to a network of trusted repairers and suppliers.

Overall, Visicover yacht and sailing boat insurance provides comprehensive coverage for a wide range of vessel types, making it an excellent choice for anyone looking for high-quality marine insurance.

Damage and Loss Coverage

Visicover yacht and sailing boat insurance provides comprehensive coverage for a range of risks that yacht and sailing boat owners face. One of the most important aspects of any boat insurance policy is the coverage for damage and loss. Visicover’s yacht and sailing boat insurance policy provides coverage for damage, theft, vessel loss or damage, fire, and collision.

In the event of damage to the yacht or sailing boat, Visicover will cover the cost of repairs or replacement. This includes damage caused by accidental collision, grounding, or other accidents. The policy also covers damage caused by fire, lightning, or explosion. In the unfortunate event of theft, Visicover will cover the cost of replacing the stolen items.

The policy also covers vessel loss or damage, which includes damage caused by sinking, stranding, or capsizing. In the event of a total loss of the yacht or sailing boat, Visicover will cover the agreed value of the vessel as stated in the policy.

Visicover’s yacht and sailing boat insurance policy also covers damage caused by collision with other vessels, including damage to other vessels and third-party property. This includes liability coverage for any damage caused to other vessels or property.

Overall, Visicover’s damage and loss coverage provides comprehensive protection for yacht and sailing boat owners. With coverage for a range of risks, yacht and sailing boat owners can have peace of mind knowing that their vessel is protected in the event of an accident, theft, or other unforeseen event.

Third Party Liability

When it comes to yacht and sailing boat insurance, one of the most important coverage types is third party liability. This type of insurance covers the policyholder’s legal liability towards third parties for any damages or injuries caused by the vessel.

Third party liability insurance is essential for yacht and sailing boat owners, as it protects them from potentially costly legal claims. Without this coverage, owners could face significant financial losses in the event of an accident or other incident involving their vessel.

It is important to note that third party liability insurance is often a legal requirement for yacht and sailing boat owners in many countries. In addition, many marinas and harbours require proof of insurance before allowing vessels to dock or moor.

When choosing a third party liability insurance policy, it is important to consider the level of coverage provided. Some policies may offer only basic coverage, while others may provide more comprehensive protection. It is also important to consider any exclusions or limitations in the policy, as these can affect the level of protection provided.

Overall, third party liability insurance is an essential coverage type for yacht and sailing boat owners. By choosing a policy with appropriate coverage levels and carefully reviewing any exclusions or limitations, owners can ensure that they are adequately protected in the event of an accident or other incident involving their vessel.

Benefits and Extras

Visicover offers a range of benefits and extras with their yacht and sailing boat insurance policies. These benefits are designed to provide additional coverage and peace of mind to policyholders.

One of the key benefits of Visicover’s policies is their marina benefits. This includes coverage for marina fees, which can be a significant expense for boat owners. In addition, policyholders can also receive coverage for emergency accommodation if their boat becomes uninhabitable due to damage or other unforeseen circumstances.

Another important benefit is coverage for emergency travel. This can be particularly useful for boat owners who need to travel to their boat in order to make repairs or retrieve personal belongings. Visicover’s policies also provide coverage for emergency breakdowns, ensuring that policyholders can get the help they need when they need it most.

Visicover also offers a courtesy vessel benefit, which provides policyholders with a replacement boat while their vessel is being repaired or replaced. This can be particularly useful for boat owners who depend on their vessel for work or other important activities.

Finally, Visicover offers NCD (No Claims Discount) protection, which allows policyholders to maintain their discount even if they make a claim. This can be a valuable benefit for boat owners who want to maintain their coverage while still being protected in the event of an accident or other unforeseen event.

Overall, Visicover’s benefits and extras provide a comprehensive range of coverage options for yacht and sailing boat owners. Whether you need coverage for marina fees, emergency accommodation, or NCD protection, Visicover has a policy that can meet your needs.

Personal Coverage

Visicover offers a range of personal coverage options to yacht and sailing boat owners. These options include medical expenses coverage, personal accident coverage, personal belongings coverage, bodily injury coverage, and personal effects coverage.

Medical expenses coverage is an important coverage option that provides coverage for medical expenses incurred by the policyholder and their passengers in the event of an accident. This coverage option is particularly important for yacht and sailing boat owners who frequently travel to remote locations where medical facilities may be limited.

Personal accident coverage provides coverage for accidental death or injury to the policyholder and their passengers. This coverage option is important for yacht and sailing boat owners who engage in high-risk activities such as water sports.

Personal belongings coverage provides coverage for loss or damage to personal belongings such as clothing, cameras, and other personal items. This coverage option is particularly important for yacht and sailing boat owners who frequently travel with expensive personal belongings.

Bodily injury coverage provides coverage for bodily injury caused by the policyholder to a third party. This coverage option is important for yacht and sailing boat owners who may be held liable for injuries caused to other individuals while on their boat.

Personal effects coverage provides coverage for loss or damage to personal effects such as laptops, mobile phones, and other electronic devices. This coverage option is particularly important for yacht and sailing boat owners who frequently travel with expensive electronic devices.

In summary, Visicover offers a range of personal coverage options to yacht and sailing boat owners. These coverage options provide protection for medical expenses, personal accident, personal belongings, bodily injury, and personal effects. Yacht and sailing boat owners should carefully consider their personal coverage needs and select the coverage options that best meet their needs.

Specific Risks Coverage

Visicover yacht and sailing boat insurance provides coverage for various specific risks that boat owners may encounter while out on the water. These risks include:

  • War and related risks: Visicover provides coverage for damage or loss caused by war, civil war, revolution, rebellion, insurrection, piracy, and terrorism.
  • Search, rescue, and evacuation: In the event of an emergency, Visicover covers the cost of search, rescue, and evacuation of the insured vessel and its crew.
  • Marine legal protection: Visicover offers legal protection for the insured vessel and its crew in case of legal disputes arising from the use of the vessel.
  • Machinery extension: This coverage includes damage to the insured vessel’s machinery, equipment, and accessories, including the engine, generator, and electrical system.
  • Replacement locks and keys: Visicover provides coverage for the cost of replacing locks and keys if they are lost or stolen.

Visicover’s specific risks coverage is designed to provide boat owners with peace of mind while out on the water. In the event of an unexpected event, boat owners can rest assured that they are covered by Visicover’s comprehensive insurance policy.

Overall, Visicover provides comprehensive coverage for yacht and sailing boat owners, protecting them from a wide range of risks and liabilities. With its competitive pricing and excellent customer service, Visicover is an excellent choice for boat owners looking for reliable and affordable insurance coverage for their vessels.

Insurance Partners

Visicover has partnered with some of the leading insurance providers in the industry to offer a range of policies for yacht and sailing boat owners. One of their main partners is Allianz, a global insurance company that operates in over 70 countries.

Through their partnership with Allianz, Visicover offers comprehensive yacht and sailing boat insurance policies that cover a wide range of risks, including accidental damage, theft, and third-party liability. These policies are designed to provide peace of mind for yacht and sailing boat owners, ensuring that they are protected against unexpected events.

Visicover also works with other marine insurance providers to offer a range of policies that cater to different needs and budgets. These providers include Pantaenius, GJW Direct, and Craftinsure, among others.

By partnering with multiple insurance providers, Visicover is able to offer a wide range of policies that cater to different needs and budgets. This allows yacht and sailing boat owners to choose a policy that best suits their requirements, whether they are looking for comprehensive cover or a more basic policy.

Overall, Visicover’s insurance partners are some of the leading providers in the industry, and their policies are designed to provide comprehensive cover for yacht and sailing boat owners.

Claim Process

Visicover offers a straightforward and efficient claims process for yacht and sailing boat insurance policyholders. In the event of an insurance claim, policyholders can contact the 24-hour claims hotline, which is available seven days a week.

To initiate an insurance claim, policyholders need to provide their policy number, details of the incident, and any supporting documentation such as photographs or witness statements. Once the claim is registered, an insurance claim handler will be assigned to the case, and they will guide the policyholder through the rest of the process.

Visicover aims to resolve insurance claims as quickly as possible, and the claim handler will work with the policyholder to obtain any additional information or evidence required to process the claim. In some cases, a surveyor may be appointed to assess the damage or loss, and the claim handler will arrange this on behalf of the policyholder.

Overall, the claim process with Visicover is straightforward and efficient, and policyholders can expect a knowledgeable and confident approach from the claim handler.

Boat Insurance Comparison

When it comes to boat insurance, it’s important to compare policies from different providers to find the best coverage for your needs. Here is a comparison of some of the top boat insurance providers:

Progressive

Progressive is a well-known insurance company that offers boat insurance policies. They offer a variety of coverage options, including liability, collision, and comprehensive coverage. Progressive also offers a range of discounts, such as a safe boater discount and a multi-policy discount.

Nationwide

Nationwide is another popular insurance company that offers boat insurance policies. They offer a variety of coverage options, including liability, collision, and comprehensive coverage. Nationwide also offers a range of discounts, such as a safe boater discount and a multi-policy discount.

State Farm

State Farm is a well-known insurance company that offers boat insurance policies. They offer a variety of coverage options, including liability, collision, and comprehensive coverage. State Farm also offers a range of discounts, such as a safe boater discount and a multi-policy discount.

Markel

Markel is a specialty insurance company that offers boat insurance policies. They offer a variety of coverage options, including liability, collision, and comprehensive coverage. Markel also offers a range of discounts, such as a safe boater discount and a multi-policy discount.

When comparing boat insurance policies, it’s important to consider factors such as coverage options, discounts, and customer service. It’s also important to compare premiums to find the best value for your money. By comparing policies from different providers, you can find the best coverage for your needs at a price you can afford.

Frequently Asked Questions

What are the benefits of Visicover yacht and sailing boat insurance?

Visicover’s yacht and sailing boat insurance policies offer comprehensive coverage for a range of risks, including accidental damage, theft, and third-party liability. Some of the benefits of Visicover’s policies include flexible coverage options, competitive pricing, and 24/7 emergency assistance.

How does Visicover compare to other yacht and sailing boat insurance providers?

Visicover stands out from other yacht and sailing boat insurance providers due to its competitive pricing, flexible coverage options, and excellent customer service. Visicover’s policies are also underwritten by some of the most reputable insurers in the industry, giving customers peace of mind that they are dealing with a trustworthy provider.

Are there any exclusions in Visicover’s yacht and sailing boat insurance policy?

Like any insurance policy, there are certain exclusions in Visicover’s yacht and sailing boat insurance policy. These may include damage caused by wear and tear, damage caused by improper maintenance, and damage caused by intentional acts. It is important to review the policy documents carefully to understand what is and isn’t covered.

What is the claims process for Visicover yacht and sailing boat insurance?

If you need to make a claim on your Visicover yacht or sailing boat insurance policy, you can do so by contacting the company’s claims team. The process typically involves providing documentation of the incident, such as photographs or police reports, and working with the claims team to assess the damage and determine the appropriate course of action.

Does Visicover offer discounts for experienced sailors?

Visicover offers discounts for a range of factors, including sailing experience, age, and the type of vessel being insured. Experienced sailors may be eligible for lower premiums, as they are considered to be less of a risk than less experienced sailors.

Can I customise my Visicover yacht and sailing boat insurance policy to fit my specific needs?

Yes, Visicover offers a range of coverage options that can be tailored to fit your specific needs. This may include adding additional coverage for equipment or accessories, increasing your liability limits, or adjusting your deductible. Visicover’s team of insurance experts can help you design a policy that meets your specific needs and budget.

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