Not every sailor needs every boat insurance. Before signing, first determine your own needs
Sailing is a sport. Even if this is not always immediately apparent with the leisurely Sunday afternoon beat. And yet every boat tour, whether by dinghy or on a thick ship, is associated with a higher accident risk than staying on land.
Not a big one - according to the largest sports insurer in Germany, Arag, there is just one sailor killed for every 15 soccer players injured. But the risk potential for people and material cannot be completely dismissed. According to the Arag statistics, if something happens while sailing, it is often a serious accident. In other words, serious head injuries or collisions with high property damage.
Fortunately, you can insure yourself against almost any kind of risk when sailing. Mind you, it can, doesn't have to. In contrast to car owners, for example, there is no statutory insurance requirement for sailing enthusiasts in Germany.
Nevertheless, no one in this country should cast off completely without protection, regardless of whether they are skippers or crew members. However, it always depends on the individual situation which insurance policy makes sense or not.