The Bodies Policy is the true “Kasko” of marine insurance. Here’s how it works

After years of commitment and sacrifice, from the apprenticeship made as “guests” aboard the boats of other sailing friends to renting or chartering for summer vacations, finally the dream of owning a sailboat became a reality. However, for this dream not to turn into a nightmare, it is essential to take proper care of the boat. To do so, one must certainly maintain and protect the boat to the best of one’s ability, such as from the standpoint of maintenance and care, whether it is a large new boat or a small used boat. One aspect that is often overlooked is that of insurance, and in particular the importance of having comprehensive insurance coverage, which not only covers damages to third parties, but also those we may suffer under various circumstances, from the most obvious to the most unlikely.

David Insurance’s Bodies Policy, comprehensive insurance coverage for your boat

David Insurance has experience of 10 years of specific convention in the field of boat policies, it is one of the insurance brokers that has proven over the years to have a solid expertise in boating, and most importantly to offer truly comprehensive insurance policies and solutions. Let’s imagine, for example, that we are sailing and receive an alarm for an engine overheating due to a plastic bag, a situation that is unfortunately becoming more and more frequent given the degree of pollution reached by the sea: who will cover the intervention, even for partial damage? Only a comprehensive policy-with a guarantee against occlusion of sea intakes-can provide peace of mind in such situations, preventing the shipowner from having to pay for damages resulting from the accident. Liability insurance-which, moreover, is compulsory-covered only for third-party liability, i.e., damage to third parties.

From maneuvering in port to the risk of damage during maintenance or storage ashore, for which a waiver of recourse clause-often required by many shipyards-is essential, to damage resulting from impact with a shoal and weather events; there are many situations in which basic insurance coverage does not cover damage, so a comprehensive policy is essential to protect one’s “jewel” in every situation.

• To get more information about David Insurance’s policies and learn about their offerings, you can visit www.davidassicurazioni.it or type in a little information about your boat at www.assicuralatuabarca.it to get a quote right away.