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Insurance conditions

All offered yachts have Third Part Liability and Casco insurance, i.e. in the event of damage caused to the yacht by third parties and damage to the yacht that was caused by your fault. Your liability is limited to the amount of the deposit paid when you pick up the yacht.

However, yacht insurance does not cover medical expenses, events that may affect crew members, or those that occur while you are ashore. This applies to costs of treatment, rescue and transport of patients. Therefore, take care of such an important matter as crew insurance.

In addition, when booking, you can also conveniently take out insurance in the event of cancellation or interruption of the charter (REFUND) due to unfortunate events.

Cancellation Costs Insurance (REFUND)

You will receive a refund of the amount spent on charter in the event of resignation from the charter or the necessity to interrupt it due to unfortunate events affecting the insured or their relatives. The insurance is offered in two variants: 100% and 100% MAX. Both variants cover the aftermath of COVID-19.

Reasons for travel cancellation or interruption Refund 100% Refund 100% Max
Sudden Illness 1.You or your co-traveler suddenly become ill and the illness is not due to previously diagnosed chronic disease or mental illness and you or your co-traveler are not expected to recover by the start date of the travel or the illness occurs during the travel.
 ✔ ✔
2.Your close relative or your co-traveler’s close relative who is not participating in the travel suddenly becomes ill and the illness is not due to a previously diagnosed chronic disease or mental illness and the person’s condition will result in hospital treatment or hospice stay within maximum 14 days prior to the start of the travel and the person is not expected to recover by the start date of the travel or the illness occurs during the travel.
 ✔ ✔
Accident 3.You or your co-traveler suffer an accident that results in a significant limitation of mobility, i.e. inability to move or self-care without the assistance of others and you or your co-traveler are not expected to recover by the start date of the travel or the accident occurs during the travel.
 ✔ ✔
4. Your close relative or your co-traveler’s close relative who is not participating in the travel suffers an accident that results in hospital treatment or hospice stay within maximum 14 days prior to the start of the travel and the person is not expected to recover by the start date of the travel or the accident occurs during the travel.
 ✔ ✔
Pregnancy 5. There are complications related to your pregnancy, your co-traveler’s pregnancy, your wife’s or partner’s pregnancy, pregnancy of your cotraveler’s wife or partner – if the pregnancy is less than 32 weeks, that is maximum 31st week + 6 days. ✔ ✔
Childbirth 6. You or your co-traveler are set a date of child delivery during the travel – unless this date is determined at the time the travel contract and insurance contract are concluded. ✔ ✔
Death 7. Your death or your co-traveler’s death – including as a result of a chronic disease, mental illness, Covid-19.
 ✔ ✔
8. Up to 45 days prior to the start of the travel or during the travel, your close relative dies or your co-traveler’s close relative who is not a travel participant dies – including as a result of a chronic disease, mental illness and Covid- 19, suicide.
 ✔ ✔
Property loss 9. There will be damage to your property, property of your close relative, cotraveler, co-traveler’s close relative who is not participating in the travel, and you must take legal or administrative actions on the matter, preventing the start of the travel on the scheduled date. The damage must occur as a result of a fortuitous event or burglary within 10 days prior to the start of the travel.
 ✔ ✔
10.There is damage to the property of your employer or your co-traveler’s employer. The insurance applies if the damage occurs as a result of a fortuitous event or burglary and up to 10 days prior to the start of the travel and at the same time you or your co-traveler belong to the employer’s management personnel and must take legal or administrative actions that require you to be present in your country of residence.
 ✔ ✔
Loss of employment 11.You or your co-traveler lose employment. You will find an explanation of the loss of employment in the Glossary in §2 section 22 of the GTC. Our liability applies provided that on the date of the insurance contract conclusion you (you or your cotraveler) are employed under an employment contract for indefinite period of time or have worked for at least 6 months under an employment contract for definite period of time.
 ✔ ✔
Commencement of employment 12. The employer assigns you or your co-traveler to start work during the travel – if you or your co-traveler are registered as unemployed on the date of the insurance contract conclusion.
 ✔ ✔
Theft 13. You or your co-traveler have documents necessary for the travel stolen during the 30-day period immediately preceding the start date of the travel. These documents include: a passport, identity card, visa. You must report such an event to competent authorities.
 ✔ ✔
14. You or your co-traveler have a vehicle stolen that belongs to you and you must take legal or administrative actions about it at your place of permanent residence. The theft must occur within 10 days prior to the start of the travel. Additionally, the police must document the event.
 ✔ ✔
Damage to/destruction of vehicle 15.Your vehicle or your co-traveler’s vehicle is damaged or destroyed in a road accident within 10 days before the start of the travel and you must take legal or administrative actions about it. Additionally, the police must document the event.
 ✔ ✔
Divorce 16.You or your co-traveler receive a summons for a divorce hearing dated during the travel – unless you know the date of the hearing at the time of the insurance contract conclusion.
 ✔ ✔
Summons to court 17. You or your co-traveler receive a summons to court indicating that your attendance at court is mandatory during the period of your scheduled travel. This applies if you do not know the date of the hearing at the time of the insurance contract conclusion.
 ✔ ✔
Resit exam 18.You or your co-traveler have a resit exam at a school or college that you need to pass to continue your education, and the exam date falls during the travel. This applies if you do not know the date of the resit exam at the time of the insurance contract conclusion.
 ✔ ✔
Sanatorium 19.The National Health Fund or Social Insurance Institution set a date for you or your co-traveler to stay in a sanatorium, which date coincides with your travel – if you have been waiting for it and this date was not known at the time of the insurance contract conclusion.
 ✔ ✔
Covid-19 20.You or your co-traveler suddenly become ill due to Covid-19. Contracting Covid-19 must be confirmed by medical documentation and the person is not expected to recover until the date of the travel or the illness occurs during the travel. ✔ ✔
21.Your close relative or your co-traveler’s close relative who is not participating in the travel suddenly contracts Covid-19. Contracting Covid-19 must be confirmed by medical documentation and must result in hospital treatment and the person is not expected to recover until the start of the travel or the illness occurs during the travel.
 ✔ ✔
22.You or your co-traveler, your children or your co-traveler’s children are in mandatory quarantine related to Covid-19. The quarantine must be evidenced by a document issued by an authorized entity that will include the dates of quarantine. See § 2 section 9 for the definition of the quarantine.
 ✔ ✔
Chronic disease, mental illness, setting the date of surgery 23.You or your co-traveler suddenly become ill and the illness is due to a previously diagnosed chronic disease or mental illness and you or your cotraveler are not expected to recover by the start date of the travel or the illness occurs during the travel.
 - ✔
24.Your close relative or your co-traveler’s close relative who is not participating in the travel suddenly becomes ill and the person’s condition results in hospital treatment, and the illness is due to a previously diagnosed chronic disease or mental illness and the person is not expected to recover by the start date of the travel or the illness occurs during the travel.
 ✔
25.You or a co-traveler have a date set for surgery, procedure or hospital treatment that falls during the travel. This applies if you do not know the date of the surgery, procedure or hospital treatment at the time you enter into the insurance contract.
 ✔
Terrorist attack 26.An act of terrorism occurs in the country you are traveling to up to 30 days before your travel starts. For the insurance to apply, the act of terrorism must occur within 250 km from your travel destination. The insurance does not apply if the package travel organizer offers you another package travel – to a country where the act of terrorism does not occur.
You cannot interrupt the travel for this reason.
Regardless of the option, we do not provide coverage if the act of terrorism occurs in: Afghanistan, Algeria, Palestinian Authority and West Bank, Burkina Faso,Democratic Republic of the Congo, Egypt, the Philippines, Honduras, Indonesia, Iraq, Iran, Yemen, Kenya, South Korea, North Korea, Crimea, Lebanon, Libya, Malaysia, Morocco, Nigeria, Pakistan, Russia, Somalia, Gaza Strip, Syria, Tunisia, Turkey, Ukraine, Venezuela.
 - ✔
Adoption of a child 27.You or your co-traveler are offered to adopt a child if you are participating in the child adoption process. This applies if you do not know the adoption date at the time you conclude the insurance contract.
 - ✔
Sporting events 28.You or your co-traveler are assigned to compete in international sporting events that take place during the travel.
 - ✔
  • The general terms and conditions of the insurance can be found at the bottom of the page.
  • You can buy the cancellation insurance (REFUND) before confirming your reservation (paying the first installment) however, no later than 8 days before the start of the charter.
  • When there are more than 30 days to the charter, data of persons covered by insurance should be provided in the Customer Account within 2 days of confirming the reservation.
  • When there are 30 days or less to the charter, data of persons covered by insurance should be provided in the Customer Account no later than on the day of booking confirmation.
  • Up to 12 people can be insured per booking.
  • Detailed conditions for the purchase of insurance can be found in the General Terms and Conditions for Concluding Yacht Charter Agreements
  • The above conditions apply to insurance purchased after 05.06.2024

CREW TRAVEL INSURANCE (TRAVEL WORLD)

Scope of insurance Standard
Europe only 		Standard Plus The Best
Insurance of medical, rescue and transport expenses (KL) up to 30.000 EUR up to 50.000 EUR up to 500.000 EUR
Costs of hospital stay up to the amount of the sum insured under the KL policy
Costs of outpatient treatment in countries other than the USA, Canada, Japan and Australia up to the amount of the sum insured under the KL policy
Costs of outpatient treatment in the USA, Canada, Japan and Australia up to 2.000 EUR up to 2.000 EUR up to the amount of the sum insured under the KL policy
Rescue expenses up to the amount of the sum insured under the KL policy
Costs of preterm labor up to the amount of the sum insured under the KL policy
Costs of dental treatment up to 300 EUR
Costs of repairing or purchasing eyeglasses, dental prostheses and aids up to 250 EUR
Decompression chamber after diving to a depth of 18 m - - up to the amount of the sum insured under the KL policy
Transport expenses from the accident site or accommodation to an outpatient clinic or hospital up to the amount of the sum insured under the KL policy
Transport expenses between medical facilities up to the amount of the sum insured under the KL policy
Transport expenses to the accommodation during the travel up to the amount of the sum insured under the KL policy
Return transportation expenses to Poland or a medical facility in Poland or to the country of permanent residence up to the amount of the sum insured under the KL policy
 up to 500.000 EUR, regardless of the sum insured under KL
Transport expenses of the body to the place of burial in Poland or the country of permanent residence or burial at the place of travel up to the amount of the sum insured under the KL policy
 up to 500.000 EUR, regardless of the sum insured under KL
24-h operation of the Emergency Call Center ✔
Organization of medical care up to the amount of the sum insured under the KL policy
Guaranteeing coverage of outpatient treatment or hospital stay costs up to the amount of the sum insured under the KL policy
Coverage extension in emergencies up to 5 days
Travel expenses of the accompanying person up to 1.000 EUR
Costs of accommodation and meals for the accompanying person 7 days, up to EUR 100 per day
Costs of accommodation, meals and return transport to Poland or the country of residence in case of compulsory quarantine or isolation related to Covid- 19, recommended and organized by the medical services of the country of travel - up to 2.000 EUR
Costs of a visit of the person called to accompany up to 2.000 EUR
Delivery of any required medications ✔
Additional costs of accommodation and meals abroad for convalescence purposes 7 days, up to EUR 100 per day
Transport expenses to continue the travel after the end of treatment up to 500 EUR
Costs of a substitute driver - up to 500 EUR
Acting as an intermediary in the submission of bail -
 ✔
Transport expenses for underage children - up to EUR 2,000
Travel interruption costs -
 up to 1.200 EUR
Transport expenses for close relatives - up to 2.500 EUR
Costs associated with flight delay of more than 5 hours -
 up to 200 EUR
Accident insurance – health detriment benefit up to 3.000 EUR up to 15.000 EUR
Accident insurance – death benefit up to 1.800 EUR up to 9.000 EUR
Travel luggage insurance up to 300 EUR up to 1.500 EUR
Insurance of the delayed delivery of luggage -
 up to 150 EUR
Third party liability insurance – personal injury - up to 50.000 EUR up to 200.000 EUR
Third party liability insurance – property damage -
 up to 10.000 EUR up to 40.000 EUR
Treatment in Poland after a travel accident - up to 10.000 EUR
Insurance of sports equipment -
 up to 1.000 EUR
Insurance of sports equipment rental costs - EUR 25 per day / person max 10 days
Chronic disease consequences (with regard to insurance of medical, rescue and transport expenses, travel assistance) up to the sum insured for the particular insurance
Mental illness consequences (with regard to insurance of medical, rescue and transport expenses, travel assistance) up to the sum insured for the particular insurance
Coverage for persons under the influence of alcohol (with regard to insurance of medical, rescue and transport expenses, travel assistance, accidents, treatment in Poland after a travel accident) up to the sum insured for the particular insurance
Contracting Covid-19 (with regard to insurance of medical, rescue and transport expenses, travel assistance) up to the sum insured for the particular insurance
Recreational sport practice (with regard to insurance of medical, rescue and transport expenses, travel assistance, accidents, third party liability and treatment in Poland after a travel accident) up to the sum insured for the particular insurance
  • The insurance also covers the time to get on place of yacht takeover and return (the day before and the day after).
  • The insurance covers navigation up to 20mm (approximately 36km) from the shore, which is sufficient for most charter cruises.
  • All insurance sum per person.
  • You decide to take out the insurance at the reservation. We encourage you to read the insurance conditions now. You can find them at the bottom of the page.
  • The insurer is Towarzystwo Ubezpieczeniowe Europa SA.
  • You can decide to purchase crew insurance before the booking is fully paid (balance payment).
  • All persons on the crew list provided by you in the customer account will be covered by the insurance.
  • Detailed conditions for the purchase of insurance can be found in the General Terms and Conditions for Concluding Yacht Charter Agreements
  • The above conditions apply to insurance purchased after 05.06.2024.

YACHTIC SP. Z O. O. HAVE THE FOLLOWING GENERAL POLICIES

a) Tourist Insurance Warranty No. GT 76/2016 issued by Towarzystwo Ubezpieczeń Europa S.A.

b) Traveller Insurance Policy World Travel No. 9/Z/2015 issued by Towarzystwo Ubezpieczeń Europa S.A.

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