Sailing Travel Insurance Guide

Oh Buoy! It’s easy to sea why more and more New Zealander's are choosing to sail on their holidays. Sailing or yachting can be a spectacular way to experience and explore the scenic waters of your surrounding area.

if you are planning on setting sail in open waters it's important to know that cover varies a lot between providers.

Most travel insurance policies in New Zealand exclude sailing unless it is within a short distance of the coastline. However, with a growing demand for policies to cover sailing in international waters and amateur competitive sailing a few insurers have updated their policies! (Aboat time too)!

Don't wreck your trip!

Make sure your chosen insurer covers your watery trip by comparing sailing travel insurance cover below:

 

Insurer	Underwriter	Do they cover sailing?	Sailiing Conditions	Buy Now
1Cover BUY	Certain Underwriters of Lloyds		Cover for 10 nautical miles or less off ​any land mass	Go To Insurer
Aon	Chubb Insurance New Zealand Limited		Organised with yachtingnz.org.nz covers sailing and racing overseas
AA Travel	Allianz Australia Insurance Limited		Cover for 25 nautical miles or less from the mainland.
Amex BUY	Chubb Insurance New Zealand Ltd		No specific cover for sailing mentioned in PDS	Go To Insurer
Columbus Direct BUY	Certain Underwriters of Lloyds		Cover for in-shore sailing (within 20 km) with the Sports & Adventure Pack A add-on.	Go To Insurer
Cover-more	Zurich Insurance Group		No cover for sailing in international waters in a private sailing vessel or a privately registered vessel.
DUinsure BUY	Certain Underwriters of Lloyds		Cover for 10 nautical miles or less off any land mass.	Go To Insurer
NZ Travel Insurance BUY	Allianz Australia Insurance Limited		Cover for 25 nautical miles or less from the mainland.	Go To Insurer
STA Travel	Allianz Australia Insurance Limited		No cover for sailing in international waters in a private sailing vessel or a privately registered vessel
Southern Cross Travel Insurance	Southern Cross Benefits Limited Trading		Cover for sailing up to 12 nautical miles or 22.2km away from populated land.
TINZ BUY	Certain Underwriters of Lloyds		Cover for 10 nautical miles or less off any land mass, as long as you are not racing and within territorial waters	Go To Insurer
Travel Insurance Direct	Certain Underwriters of Lloyds		No specific cover for sailing mentioned in PDS
Webjet BUY	Allianz Australia Insurance Limited		Cover for 15 nautical miles or less off any land mass with the Adventure Pack add on.	Go To Insurer
World Nomads	Certain Underwriters of Lloyds		Level 1: inland or coastal waters within 3 nautical miles. Level 2: beyond 3 nautical miles.
Worldcare	Allianz Australia Insurance Limited		Cover for 25 nautical miles or less from the mainland.
Zoom Travel Insurance BUY	Certain Underwriters of Lloyds		Cover for 15 nautical miles off any land mass, but not racing. With the Adventure Pack add on.	Go To Insurer

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances. 

Don't Rock The Boat Baby

Remember that what each policy does and does not cover varies hugely between insurers so it is important to read the policy document before purchasing if you’re unsure.  If you have a watery activity planned that didn’t get a mention, it may have slipped under their radar or it may not be covered.  Be sure to contact your insurer to check if all your planned activities are covered.

So Water You Waiting For?

Whether you’re a cadet eager to make your first serious trip into the big blue beyond or an experienced sailor venturing out of New Zealand waters on a regular basis, smart sailers will always spend time doing a travel insurance comparison. Our site compares a platoon of reputable insurers with policies that cover you whilst on a cruising the seas. Water you waiting for? Compare sailing travel insurance today!