It's a topic that most sailors tend to ignore: Insurance. The subject seems too complex, too dry and too obscure to many boat owners. But anyone who is negligent here exposes themselves and their hobby to uncontrollable risks. This is precisely where the podcast episode comes in, in which Timm Kruse delves into the world of yacht insurance together with Dirk Ammann from Pantaenius.
It all depends on the conditions
Dirk Ammann, who has been working in the industry for many years, describes topics from his own experience in the podcast: Many sailors rely on fine-sounding marketing promises or simply choose the cheapest provider. In his view, this is a fatal mistake, as comparisons are extremely difficult when it comes to insurance. "You should know what you're buying," emphasises the expert and urges you to take a close look at the insurance conditions - especially the often ignored small print.
Case studies in the podcast
Our expert goes through specific case studies: What happens when you buy a second-hand ship? What do you have to watch out for with "standing cargo"? And what does the term "initial unseaworthiness" actually mean in the insurance conditions? The Pantaenius expert not only gives advice on buying a boat. He admits that he is always surprised at how carelessly some people set off with their boat.
DIY harbours risks
The popular do-it-yourself trend is also critically scrutinised. Do-it-yourself repairs on your own boat may be tempting for keen hobbyists, but can become a problem when it comes to claims settlement. Dirk Ammann explains where insurance has its limits and what damage is actually not covered.
The podcast episode not only provides dry specialist knowledge, but also entertaining stories from everyday insurance life - from curious claims to cases on the high seas.
Here you can listen to the YACHT sailing podcast with Dirk Ammann
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This episode is presented by Pantaenius.
