Personal Accident Insurance

Some yacht insurance policies include a small amount of cover for Death Benefit and for Personal Accident and associated emergency medical expenses. At Pantaenius we prefer to sell a separate policy that will give you an adequate amount of cover, rather than including a nominal amount under our Hull policy.

For a relatively low annual premium you can cover yourself and anyone else on board with your consent (not paid crew – see separate cover) for accidents resulting in death or disability.

As well as providing realistic sums insured, the policy also includes cover for:

• Accidents that happen during short trips ashore, as well as those onboard
• Up to £20,000 for emergency medical expenses abroad (£40,000 outside Europe) in connection with an accident that is covered by this policy
• Up to £8,000 for cosmetic surgery following an accident that is covered by this policy
• Up to £40,000 for necessary transportation home following an accident, or for treatment in a decompression chamber
• Up to £40,000 for search and rescue costs
• Up to £8,000 for returning your yacht to its home port if the skipper is hospitalized

Further, with the Pantaenius Yacht Personal Accident policy a pre-existing disability will not invalidate your claim! The insurers will look at whether and to what extent the disability contributed to the incident and the degree of increased disability.

You can select the sums insured most appropriate for your needs – remember whatever sums you select will be divided by the number of people actually on board at the time of any Accident to determine the maximum available for each person.

Please download and read the pdf file to get a full picture of this product.