Who pays to build it up again?
A storm washes your fleet ashore. The boathouse is broken into and tools, engines and most of the school equipment disappear. A short circuit sets the store on fire. Events like these hit a sports school in its substance, because without equipment there are no courses and therefore no income.
With our general policy you no longer need three different property contracts for this. It includes store and office cover as well as extended cover for school boats, windsurfing and kitesurfing equipment. Larger charter vessels are excluded, because full cover is usually wanted for those. We insure them separately, see yachts and boats.
Insured items
School boats, catamarans, windsurfing and kitesurfing equipment, rescue boats, sails and rigs, wet suits, teaching material, tools and office and store fixtures and fittings.
Insured risks
- Fire, lightning, explosion
- Mains water
- Force majeure and unforeseeable natural events
- Storm and hail
- Transport accident
- Collision with watercraft
- Burglary
- Theft of boats and accessories ashore and on the water
Storage and sum insured
Cover applies to storage in buildings with solid outside walls and a solid roof, in a steel container, in a steel cage with solid bars or grilles, and in the open and on the water.
For sailing and motor boats the replacement value applies as an agreed incontestable value for as long as the boats are in full use. For the remaining school equipment and fittings the replacement value applies for the first five years and the written down value after that.
Steering the premium
A no claims bonus of up to 60 percent after five years, together with an excess of 500, 1,000, 2,500 or 5,000 euros, brings the premium down considerably. That is how you limit the cover to what would genuinely threaten the survival of your business.
What is sitting in your store?
Tell us what equipment you have and where it is kept. We will work out the rest for you.