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

** Pantaenius America Ltd. is a licensed insurance agent licensed in all 50 states. It is an independent corporation incorporated under the laws of New York and is a separate and distinct entity from any entity of the Pantaenius Group.

Welcome to Pantaenius
  • View and download your Policy Schedule(s)
  • Check and change your personal details
  • Pay your premiums

Whilst the Pantaenius Skipper Third Party Liability policy is a personal insurance, crew members are also protected under this policy and are considered co-insureds. The legal liabilities arising from the use of water sports equipment are also covered for both skipper and crew as is legal liability for accidental water pollution.

The cover is available online to both private and commercial skippers who are UK residents. Buy online below.

Private Use: Please choose the cover that meets your requirements

Vessels up to
17 m length

Sum insured

(Personal injury/Property damage)

£6,000,000

Annual Premium

£94.11

Buy now

Vessels up to
17 m length

Sum insured

(Personal injury/Property damage)

£10,000,000

Annual Premium

£136.47

Buy now

Vessels over
17 m length

Sum insured

(Personal injury/Property damage)

£6,000,000

Annual Premium

£141.18

Buy now

Vessels over
17 m length

Sum insured

(Personal injury/Property damage)

£10,000,000

Annual Premium

£169.41

Buy now

COMMERCIAL USE: CHOOSE THE COVER THAT MEETS YOUR REQUIREMENTS

Vessels up to
17 m length

Sum insured

(Personal injury/Property damage)

£6,000,000

Annual Premium

£277.65

Buy now

Vessels up to
17 m length

Sum insured

(Personal injury/Property damage)

£10,000,000

Annual Premium

£414.12

Buy now

Vessels over
17 m length

Sum insured

(Personal injury/Property damage)

£6,000,000

Annual Premium

£922.35

Buy now

Vessels over
17 m length

Sum insured

(Personal injury/Property damage)

£10,000,000

Annual Premium

£1,388.24

Buy now

Please be aware the annual premium shown includes UK Insurance Premium Tax. The Pantaenius Skipper Third Party Liability Policy is an annual policy. We will contact you before your renewal date to confirm your renewal terms. Policyholders can only be persons resident in the United Kingdom.

Your Benefits
more detailsless details
Liability Cover for everyone
Damage caused by additional sports equipment is covered
Defence of unjustified claims
Water pollution is insured
Impound fees will be paid
Worldwide insurance cover

LIABILITY COVER FOR EVERYONE

Legal liability cover for property damage, death and injury including the liabilities of your crew.

DEFENSE OF UNJUSTIFIED CLAIMS

Defending against unjustified  claims made against you for damages by a third party.

IMPOUNDED VESSEL

A security deposit of up to £100,000 if a yacht, used by you, is arrested as a result of a liability claim.

WATER POLLUTION

Your legal liability for accidental water pollution.

WATERSPORTS (INCLUDING DIVING)

Your legal liability arising out the use of water sports equipment including the towing of water-skiers and parasailers.

WORLDWIDE COVER

Insurance cover is Worldwide or Worldwide excluding the USA.

Frequently Asked Questions

Does this insurance cover me for damage I cause to the yacht I am skippering?

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No.

If this insurance does not cover me for damage I cause to the yacht I am skippering, then what is it for?

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It is important to note that the Skipper Third Party Liability policy is a contingent liability cover only, designed to cover those personal liabilities a skipper may incur through use of a yacht they do not own and for which the yacht’s own liability insurance somehow fails to respond.  It does not cover damage caused to the yacht you are skippering and it is not a skipper’s Professional Indemnity policy. In layman’s terms think of it as a yachting equivalent of a “driving other cars extension” that you might sometimes find on a motor insurance policy, i.e., under a driving other cars extension you would have third party liability cover while driving another car that you did not own, but there would be no cover for loss or damage to the driven vehicle, nor any liability you may face to the car’s owner for loss or damage to their vehicle.  Where our Skipper Third Party Liability policy comes into play is; if the yacht’s third party liability policy somehow fails to respond when a third party pursues a liability claim against you as the skipper of the yacht, or if you are uncertain as to the existence or suitability of the yacht’s third party liability insurance.

I am a commercial skipper and I have been asked to deliver a yacht for a private client. I only need the insurance for 1 week. Do you have a policy that will insure me, the crew and the yacht?

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Unfortunately, we do not offer Professional Indemnity cover for delivery skippers, nor offer cover for short term risks or one off voyages and we do not have a policy that covers delivery skippers for loss or damage to a skippered yacht that they do not own.

Normal practice when a yacht owner uses a delivery skipper is that the yacht owner would have the delivery skipper approved by their insurers. In doing so, any loss or damage to the yacht whilst in the care of a delivery skipper would be paid for by the yacht owner’s hull insurers in the usual manner under the terms of the hull policy, as if the yacht owner had been on board at the time of the incident.

The yacht owner’s third party liability policy should likewise respond for third party liabilities incurred whilst the yacht is in the hands of a delivery skipper. Where the Pantaenius Skipper Third Party Liability policy comes into play is; if the yacht’s third party liability policy somehow fails to respond when a third party pursues a liability claim against you as the skipper of the yacht, or if you are uncertain as to the existence or suitability of the yacht’s third party liability insurance.  You might like to discuss with your prospective yacht owning client the possibility of having your delivery voyage covered under the owner’s yacht insurance in the customary manner.  However, purchasing the Pantaenius Skipper Third Party liability policy will provide an additional layer of personal protection and serve as a safety net should you personally incur a third party liability, whilst skippering, that is not covered by the yacht’s policies.

I am a commercial skipper and I use yachts that I do not own to conduct courses or undertake paid work such as deliveries or running charters. Can you insure me?

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Yes, if you select the commercial use option the cover can be available to you, in accordance with the Terms and Conditions of the policy. Please read the policy details carefully to ensure you understand what the insurance is and what it covers.

If I take out a Commercial Skipper Liability Insurance would it cover me also for private use or would I need a Private Skipper Liability policy in addition?

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The standard Skipper Liability insurance policy is for private use only and excludes commercial use, unless commercial use has been agreed by insurers.  The commercial Skipper Liability policy is an extension of the standard private use only policy, to also include commercial use. Private use is therefore included within the commercial policy and you do not need to buy two policies.

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Participating underwriters

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Allianz Global Corporate & Specialty SE

Chubb European Group SE

Berkshire Hathaway International Insurance Limited, Germany

AIG Europe S.A.

HDI Global Specialty SE

PANTAENIUS - a reliable partner
Enjoy the great feeling of being in safe hands...
Over 50
years

of experience guarantee an exclusive service approach and the most efficient claims management when you need it most.

100,000
customers

already place their trust in us and make Pantaenius the leading yacht insurance provider in Europe.

35,000
specialists

in our network help us deliver true local service and support you with advice and expertise all over the world.