We are always surprised when we hear that people are relying on their bank account, credit card, or ‘off the shelf’ style travel insurance policies whilst aboard a boat.
We tend to find that these types of policies can be restrictive…if they provide cover you whilst on the water at all! Generally, sailing in excess of 12 nautical miles offshore is excluded and often these types of policies require confirmation of ‘pre booked accommodation’ in the event of a claim. We would strongly recommend that you check your insurance policy covers you fully before you set sail.
At Topsail we offer a number of specialist travel insurance policies designed specifically for sailors; whether you are cruising locally or planning a circumnavigation there is a travel policy available to suit your needs. Our policies can cover you worldwide, and most importantly to the boating community, have no restrictions as to how far offshore you can sail.
We offer 3 types of annual, travel insurance covering you for anything from a weekend away to a full 12 months away - renewable thereafter. Our Gold, Silver and Bronze policies have varying levels of cover and offer different maximum durations away, they also provide cover for your general holidays – not just whilst you’re on the water. Bronze annual cover starts at just £75.00, with single trip policies starting from as little as £20.00.
Our policies offer cover up to £5,000,000 for medical and repatriation expenses and in the event that you become unwell, our claims assistance team are on hand 24/7 to give you advice and assist you, ensuring that you get the best care and help available. The policy will even cover airlift from the boat in the event of a medical emergency. Also covered are cancellation and disruption costs, personal accident, personal liability, plus your baggage and personal effects, amongst various other things. For full details of the cover available please visit our website: www.topsailinsurance.com/travel-insurance.html