Insured and Assured

What cruisers should know about yacht transport insurance

Crossing an ocean is part of the dream for many blue-water sailors and long-distance cruisers. But the return trip? That’s when yacht transport starts to make a lot of sense.

Whether it’s to avoid wear and tear, unfavourable currents, or rough weather during the return leg, more and more cruisers are choosing to ship their yachts home. While it’s a smart and practical choice, one essential piece of the puzzle deserves extra attention: transport insurance.

Yacht transport insurance isn’t just a technicality, it protects your yacht when it’s out of your hands. Here’s what to look out for, how to ask the right questions, and what to expect from your transport provider.

Why transport insurance matters

Let’s start with the basics. Most regular yacht insurance policies don’t automatically cover transport by cargo ship. Even if your policy includes “all-risk” coverage, it likely excludes shipping unless specified. That’s where marine cargo insurance comes in, a separate policy that specifically covers your yacht while it’s being lifted, secured, shipped, and unloaded.

Transport insurance gives you peace of mind against risks like:

• Damage during loading or discharge
• Shifting or movement during the voyage
• External impacts or severe weather
• Pollution or salvage costs in case of a worst-case scenario

Key terms you should know

Not all insurance policies are created equal. When reviewing your quote, these are the terms that deserve a second look:

 1.  All-risk Transport Insurance

This is the most comprehensive option and usually the best choice. It covers physical damage, theft, general average, salvage, and environmental damage. Always check the small print. What’s included is just as important as what’s excluded.

2. Deductibles

This is the amount you’ll need to pay in case of a claim. It’s often a percentage of the yacht’s value, so make sure you understand how it’s calculated and whether it’s per claim or event.

3. Premiums

Transport premiums vary based on the yacht’s value, dimensions, destination, and time of year. Keep in mind that a higher premium from a reputable insurer might reflect a better claims process or wider coverage.

4. Named Perils vs. All Risk

If your quote says “named perils,” be cautious. This means you’re only covered for the specific risks listed in the policy. All-risk policies are broader and more suitable for transport.

How to vet the Transport Company

Before signing anything, ask your yacht transport company about:

• Who underwrites their transport insurance?
• Do they include coverage in the quote, or do you need to arrange it yourself?
• How do they handle claims?
• Can you speak to a real person when something goes wrong?

Reputable companies will be transparent and help guide you through the process. Some will even connect you with their marine insurance broker or offer policies at group rates.
Also, it helps to know who you’re dealing with. Is it a one-man operation or part of a larger, financially stable group? Do they own their ships or charter them from third parties? These details say a lot about the risk behind the service.

When things don’t go as planned

Let’s be honest. Transport doesn’t always go 100% smoothly. Your yacht might arrive with Sahara dust or salt baked on deck. That can happen. But if there’s real damage, like a stanchion bent during loading or a cracked hull from shifting on deck, that’s when your insurance matters.

It’s also important to know who handles claims. Is there a dedicated claims team? Will a marine surveyor inspect the damage and help you file? The speed and clarity of claims handling are just as important as the policy itself.

Final thought: Partner with a professional

When it comes to yacht transport insurance, your best ally is knowledge and a trustworthy transport partner. Research companies that offer dedicated logistics teams, in-house operations, and access to reputable insurers who understand the cruising life. Reputable companies will want to get your yacht where it needs to be, safely and securely, and to keep the insurance process as straightforward as possible.

So before you set sail on your next big adventure, take the time to ensure your yacht is not just booked, but protected.

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About the Author

Sevenstar Yacht Transport offers full logistics and yacht transport services for yacht owners looking to discover new destinations around the world. With over 35 years of experience, it arranges the transport of around 2,500 yachts annually – serving cruisers to explore new destinations, to cross the Atlantic, or to just go home. It has an experienced team dedicated to providing high-quality services to clients, with worldwide offices and an in-house team of operations, engineers, and loadmasters.

With access to over 140 company-owned vessels, Sevenstar has the resources and expertise to handle any yachting transport needs. They offer the highest standard of equipment with custom-made cradles (Lloyds certified) and lashing systems to ensure safety during loading, transit, and unloading. For yacht transport solutions, contact Sevenstar Yacht Transport today!

For more information or to request a transport quote, visit Sevenstar Yacht Transport.

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Related Links:

• Sevenstar Yacht Transport Instruction Video
• Sevenstar Yacht Transport
• Sevenstar Worldwide Regions and Ports of Operation
• Sevenstar Schedules
• Contact Sevenstar Yacht Transport

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Related Reports:

• Yacht Transport by Carrier Vessel:  A Step by Step Guide
• Long distance cruising with Peace of Mind
• Other Yacht Transport Articles and Links
• How to Prepare Your Boat for Safe Transport by Road

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