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* Pantaenius UK Limited is authorised and regulated by the Financial Conduct Authority (Authorised No.308688)

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Frequently asked questions

We do everything to keep our products transparent and our service convenient. Sometimes, however, questions remain open. Here, we have put together the most frequently asked ones.

I have sold my boat. What happens with my policies?


If you have sold your boat, please inform us immediately by sending us a purchase agreement or transfer certificate by post or by email. Your policies will then be cancelled and settled upon transfer of ownership.

Can the purchaser take over the policies?


The policies cannot be transferred directly to the new owner but we can provide the new owner with new policies. 

How is my trailer co-insured?


Trailers and bearing blocks that permanently belong to the boat are automatically co-insured under the hull insurance.

My trailer is now automatically included in the insurance cover, do I need to specify an extra sum?


Yes. To ensure that you have sufficient insurance cover in the event of the total loss of the boat and registrated trailer, a separate additionally insured sum should be specified for the trailer.

Can I lend my boat to friends?


Pantaenius hull insurance also covers friends and family, so it is fine to lend your boat on a non-commercial basis.

What are the notice periods?


The policies are valid for one year in each case and are extended automatically by one year at a time unless terminated by email or in writing one running month + 30 days prior to expiry of the relevant period. 

How do I change my bank details?


If you would like to change the bank details we have on file for you, please notify us by telephone or email. 

How do I increase or reduce my sum insured?


If you think that your agreed sum insured is no longer adequate or would like to reduce it, please get in touch with our customer service team. You will then receive a new quote from us and can have the adjusted sum insured included in your policy as an addendum.

One or more owners are leaving my group of co-owners – what do I need to do?


If one or more owners leave the group of co-owners, written notification of this, signed by all co-owners involved, must be sent to Pantaenius. The policy will then be adapted accordingly. If you have named one person as primarily responsible in the policy, the signature of this person alone will suffice.

Are salvage and wreck removal costs covered?


Salvage and wreck removal costs are covered without any cap or deductible.

My boat is kept on land in the winter – can I limit my cover?


Over 50 years of processing claims has shown us that boat owners often underestimate the risks of winter storage in particular. Normal hull insurance cover is provided during winter storage. This insures you against damage caused by theft, fire and even environmental influences such as force majeure.

Do I need to lie my mast down in the winter?


Pantaenius does not stipulate any requirements with regard to lying down your mast in the winter. However, we cannot provide a general answer regarding whether or not your winter storage operator will allow yachts to be stored with their mast raised. When raising and lowering the mast, this is a valuable opportunity to check the mast, shrouds and other parts for damage. It is not possible to perform these checks when the mast is standing.

Is winter storage included in the cover?


Winter storage and the land and river transport of your yacht are covered, as are slipway and crane procedures and shipyard and repair stays.

What is all-risks cover?


The term ‘all-risks cover’ describes a cover principle of insurance policies that covers all conceivable damage – except for any damage explicitly defined as an exclusion. Therefore, anything that is not specified in the exclusions is automatically covered. Compared to insurance based on specific risks -”Named perils” -, this type of insurance cover makes it easier to understand the risks covered because a list of exclusions is generally less extensive than a list of covered risks. 

Can I go outside of my cruising area?


Occasionally, not planned, leaving the cruising area is included in the insurance, but must be reported immediately.

What does ‘agreed fixed value’ mean?


The agreed fixed value is the fixed sum insured for your yacht as agreed between you and Pantaenius. In the event of a total loss, you will receive this sum without any deductions, meaning that you are then able to buy a new boat of equal value. 

When do I need to have my rigging checked or replaced?


We generally recommend an annual visual inspection. This can be performed by a specialist or you can do it yourself. However, the rigging should be checked by a specialist at least every 4–5 years. A complete overhaul should also be performed every 8–10 years, with any worn parts replaced. However, the intervals at which inspections and replacements are required always depend on the nature and duration of use of your yacht. If you have any doubts about the condition of your standing and running rigging or are looking for a suitable specialist, we will be happy to provide you with the details of contacts who can assist.

What maintenance intervals does Pantaenius specify for rigging, gas, seals, valves etc.?


Pantaenius does not generally specify maintenance intervals. However, to ensure that the insurance cover of your yacht is not jeopardised, we recommend that you adhere to the maintenance intervals stipulated by the manufacturer.

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