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Er du blevet bådejer og står derfor over for at skulle tegne en bådforsikring? Men kan du ikke finde hoved og hale i hvilke typer bådforsikringer, der findes? Vi giver dig råd og vejledning udi bådforsikringer, så du kan blive klar til at indtage de danske farvande uden bekymringer om skader.
Hvis du er bådejer, er det meget vigtigt, at du har dine forsikringspapirer i orden. En skade på din båd kan nemlig blive en rigtig dyr fornøjelse, hvis den ikke er forsikret. Det samme er tilfældet, hvis din båd på den ene eller anden måde forårsager en skade på en anden båd. Overordnet findes der tre forsikringstyper, når man taler bådforsikring: Ansvarsforsikring, kaskoforsikring og ulykkesforsikring. Nedenfor gennemgås de tre forsikringstyper derfor én efter én.
En ansvarsforsikring til din båd dækker, hvis du på en eller anden måde skader andre personer eller andres ejendele. Med andre ord dækker denne forsikring, hvis du som bådejer bliver erstatningsansvarlig for en skade. Det vil sige, at den dækker, hvis du direkte er skyld i en skade på en anden båd eller andre personer. Du skal være opmærksom på, at en ansvarsforsikring ikke dækker personer, der bliver skadet ved brug af badering, faldskærm eller lignende. Denne forsikring er ikke lovpligtig, men vi anbefaler klart, at du tegner en sådan alligevel.
Kaskoforsikring:
En kaskoforsikring dækker, hvis der sker en skade på din båd. Dette eksempelvis, hvis der sker:
Skader under fortøjning, stranding, grundstødning og kollision.
Skader på båd eller udstyr, hvis båden synker eller kæntrer.
Skader, hvis båden vælter i stativet – også med monteret mast.
Skader ved optagning, søsætning og transport inden for sejladsområdet.
Skader på gummibåd, motor, skibsjolle eller lignende, hvis de hører til båden.
Indbrud eller tyveri.
Skader forårsaget af brand.
Skader på udstyr som mast, bom, sejl, kaleche, rig tovværk, anker, ankerkæder, navigationsinstrumenter og andet fastmonteret udstyr.
Nogle kaskoforsikringer dækker hele året. Andre dækker ikke ved sejlads i vinterhalvåret. Undersøg derfor, hvad der gør sig gældende hos netop dit forsikringsselskab. Sørg dog for, at din kaskoforsikring – ud over at dække hele din sejleperiode – også dækker, mens din båd er på land om vinteren.
Med kaskoforsikringer følger der i mange tilfælde også en retshjælpsforsikring. En sådan forsikring dækker advokatudgifter, hvis du bliver sagsøgt eller sagsøger andre.
Ulykkesforsikring:
En ulykkesforsikring til din båd dækker, hvis du eller andre passagerer kommer til skade. Du har sikkert allerede en almindelig ulykkesforsikring. Hvis dette er tilfældet, skal du blot gøre dit forsikringsselskab opmærksom på, at du også har en båd.
Hvor dækker en bådforsikring?
Ofte dækker en bådforsikring i danske, norske, svenske, finske og tyske farvande. Hvis du skal sejle uden for disse områder, kan du tegne en udvidet bådforsikring (www.sejlsport.dk).
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